Much like motorcycles, scooters and mopeds have inherent risks. With the right safety apparel, driving habits, and insurance coverage, you can ride your scooter or moped with confidence. We've been insuring two-wheeled rides since 1966, and that experience has shaped our affordable scooter and moped insurance coverage options detailed below.
With our money-saving scooter and moped insurance discounts, you can have affordable coverage in case something happens to you or your scooter or moped. Get a quote today and let’s ride—together.
Scooter/moped insurance coverages
Collision
If you hit something—like another vehicle, a curb, or debris on the road—collision insurance coverage can help you pay the repair bill for your vehicle. You choose your deductible amount.
Comprehensive
Two-wheeled rides are easier to steal than four-wheeled vehicles. Protect your scooter or moped against theft with comprehensive insurance coverage. Comprehensive also covers vandalism, fire, and some weather-related incidents.
Bodily injury liability
Bodily injury liability coverage can help you if you cause an accident where someone gets hurt—or worse—by paying for the victim’s lost wages, medical bills, and other expenses.
Medical expense
Medical bills can be expensive. Medical expense coverage can help pay medical bills if you’re hurt while riding.
Personal injury protection
Personal injury protection can help cover medical costs for you and any other eligible person regardless of who’s at fault. This coverage may be limited in some states, so inquire about the details before purchasing.
Property damage liability
If you jump the curb and take out a fence or mailbox, property damage liability insurance coverage can help cover the costs to repair or replace someone else’s property. Reminder: This doesn’t cover damage to your own property.
Physical Damage Plus
When you have Physical Damage Plus insurance coverage paired with your scooter and moped insurance, you’ll receive only genuine, original manufacturer replacement parts during the repair process.
Optional/special equipment
No matter what we ride, we like to make it our own. That might include optional or special equipment outfitted for your scooter or moped. Protect that investment with optional/special equipment coverage.
Underinsured motorist bodily injury (UIMBI)
If you’re in an accident and the other operator is at fault but doesn’t have enough insurance to cover the cost of your injuries, underinsured motorist bodily injury coverage may kick in up to your coverage limits.
Underinsured motorist property damage (UIMPD)
Underinsured motorist Property Damage coverage can help pay for damage to your scooter or moped that the other rider or driver’s insurance doesn’t cover—up to your coverage limits.
Rental reimbursement
Rental reimbursement can help foot the bill if you need to rent a scooter or moped because your usual two-wheeler is the shop for repairs due to a covered loss.
Roadside assistance
Roadside assistance is great to have when the unexpected happens, such as a dead battery, empty gas tank, flat tire, or even a lost ignition key. We’ll help you no matter the time of day.
