Moped and Scooter Insurance
Get specialist cover for your scooter or moped through Principal (part of Howden). Protect your daily commute or weekend rides with insurance tailored to how you really use your bike.
Why choose us for your moped and scooter insurance?
Scooters and mopeds are one of the most convenient ways to get around Ireland because they are affordable to run, easy to park and ideal for city or commuter travel. When you come to Howden, you get support from people who understand how these bikes are used every day and what cover makes sense for your routine.
Your policy is arranged through Principal (part of Howden), who have years of specialist experience helping riders protect everything from 50cc mopeds to classic and modern scooters. Their deep knowledge of the two-wheel market means you get advice shaped around real riding, not generic assumptions.
We focus on keeping things simple by explaining your options clearly, helping you compare insurers and making sure your cover reflects how you ride. With a personal, friendly service at the centre of every conversation, you always know where you stand and what your policy protects.
Benefits of moped and scooter insurance cover
- Cover that reflects real everyday use whether you commute, ride socially or use your scooter for errands.
- Clear guidance from people who understand Irish roads, riders and local insurance needs.
- Options for young riders, first time riders and returning riders.
- Breakdown assistance, legal cover and support for declared modifications.
What’s included in moped & scooter insurance:
Tailored moped and scooter insurance cover with benefits such as:
- Cover for modern and classic scooters – protection for everything from 50cc mopeds to retro models.
- Breakdown included – our policies come with roadside and home‑start assistance.
- Flexible payment options – instalment plans available (provider terms apply).
- Commuter‑friendly cover – suitable for riders travelling to work or college.
- Young rider support – specialist options available for riders aged 20+.
- Legal expenses included – up to €100,000 cover for non‑fault incidents.
- Great discount options – including owners’ club, limited mileage, and approved security savings.
- Modification‑friendly – road‑legal mods are covered on policies but our team would need to know about them to get them approved.
Whether you ride a 50cc city scooter or a retro weekend moped, you get cover designed around real everyday use.
Which cover is the best?
The best type of cover depends on the value of your scooter or moped and how you use it day to day.
- Comprehensive cover is often chosen for newer or regularly used scooters because it protects your own bike as well as others.
- Third Party, Fire and Theft can suit riders who want protection against fire or theft without the full cost of comprehensive cover.
- Third Party Only meets the legal requirement for road use but gives the least protection.
Our advisors can explain the differences clearly and help you choose the level of cover that gives you the right balance of protection and price.
Who is moped & scooter insurance for?
Moped and scooter insurance in Ireland is suitable for many types of riders and bikes, including:
- First time and returning riders
- Young riders aged 20 and over
- Daily commuters travelling to work or college
- Leisure and weekend riders
- Classic and retro scooter enthusiasts
- Riders with road legal modifications or accessories
- People using 50cc, 125cc or modern automatic scooters
If your scooter or moped is road legal and you ride it regularly, we can help you find cover that fits your use.
Potential scenarios where a moped cover can prove handy
1. Theft or attempted theft
Scooters and mopeds are lightweight and easier for thieves to target. Insurance can help cover the cost of damage, stolen parts or a full replacement depending on your policy.
2. Low speed collisions in traffic
City riding often involves filtering through busy roads. If a driver changes lanes without checking, insurance can help cover repair costs and roadside recovery.
3. Mechanical issues during a commute
If your scooter cuts out due to an electrical or mechanical fault, breakdown assistance can help get you recovered and taken to a garage quickly.
Why choose a broker for your insurance?
A broker helps you make sense of your choices, so you know exactly what your policy includes. At Principal (part of Howden), we compare insurers for you and explain your options in plain English so you can make confident decisions without the confusion.
Because your cover is arranged through Principal, part of Howden, you get specialist support for scooters and mopeds along with clear, local guidance. Whether you need to update your details or handle a claim, you have real people to talk to throughout your policy.
*Note: This is a marketing article from Howden Insurance. The information in this guide is accurate at time of publication. This content is provided for general information only and does not constitute financial or insurance advice.
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Company Car Insurance FAQs
Do I need insurance for my moped or scooter in Ireland?
Yes, all road‑legal mopeds and scooters must be insured before being ridden on public roads. At minimum, you need Third Party Only cover to meet Irish legal requirements.
Is commuting covered?
Yes. Many moped and scooter insurance policies include the option to add commuting cover - just let your broker know you use your scooter for work or college so it’s included when we quote your premium.
Can young riders get a policy?
Yes - insurers often offer cover for younger riders, typically starting from around age 20, depending on the insurer’s criteria and the engine size of the scooter.
Do you cover customised scooters?
Yes. Many insurers are happy to cover road‑legal customisations, including cosmetic or performance modifications, as long as they are declared upfront.
Is breakdown cover included?
Often, yes. Many scooter policies include roadside assistance, and some even offer home‑start breakdown support. Your broker can confirm what’s included.
Do I get legal expenses cover?
Many policies offer legal expenses cover - sometimes up to €100,000 - to help with costs after a non‑fault incident. This varies by insurer, so it’s always worth checking.
Do I need to tell you if I commute?
Yes. If you ride to work or college regularly, you need to make sure commuting is included on your policy, so you’re properly covered.
What types of bikes can you insure?
Most insurers cover a wide range of mopeds and scooters - including 50cc models, 125cc scooters, retro styles, classic scooters, and modified or custom builds.
Can I pay monthly?
Yes - most insurers offer monthly instalment options through their finance partners, though these may include interest or setup fees.
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