Buying scooter insurance is as important as buying car insurance or home insurance. It protects you from any unforeseeable problems and prevents you from paying out any hefty fines due to an accident. Many new riders and owners of scooters underestimate the importance of purchasing scooter insurance, as they feel they are unlikely to cause any accidents or be involved with any problematic road situations.
The fact remains you cannot predict the future. Therefore, instead of risking the prospect of losing thousands of pounds in court fines and medical expenses, be prepared for the worst and get yourself a good insurance policy.
In the UK, riding a scooter is not as popular as the motorbike, however, they are widely used by the younger generation as a starting point to riding a motorbike. This is why it is important to have all of your scooter insurance policies in place, before going out on the road with it. Unfortunately first time riders will be charged more on a first time insurance policy and age does play an important part in how much you have to pay. It all depends upon how much experience you have had on the road.
The less experienced you are in riding a scooter the more likely you are to be quoted a higher price, than someone who has had ten years more experience than you have. The fact of the matter is that people with less experience are more likely to cause an accident than an experienced person. If you are a new rider, looking for scooter insurance can be a confusing and time-consuming activity. There are no two ways about it; you have to endure the long hours of finding the right insurance for yourself. The less you know about insurance policies the more likely you are of finding a policy that will overcharge you.
Scooters are generally low maintenance and do not cost as much to ride on the road as a normal automobile would. However, some scooters are not strong enough to travel long distances with, maxi scooters (which are larger) are good to travel further distances. Smaller scooters are good for local travel and smaller distances, because they use up less fuel. Filling up the scooter with fuel does not cost as much as filling up a motorbike; this is why scooters are more popular to use in certain parts of the world such as Asia and many parts of Europe.
For many people scooters are the only means of transportation until they are able to afford suitable vehicles later on. In Taiwan, scooters are preferred over cars due to their cost effective fuel prices, space saving parking, size, cheaper insurance and lightweight riding.
Scooter insurance itself is slightly cheaper to pay for and offer a fair amount in services similar if not the same as a motorbike insurance policy would. There are however, some problems to avoid when buying a scooter, especially if it is a second-hand scooter. In recent years transportation trading standards have seen that some scooters are not roadworthy, however, the owners are not aware of it because this is the first scooter they have purchased.
It is always important to remember that when buying a second-hand scooter to check that it has been serviced, including whether it is roadworthy. Always make sure that the right documentation has been checked through by you and by someone experienced with scooters. Above all, make sure you know how old the scooter is and if in doubt have it checked yourself. You may find that it is much cheaper than buying a new scooter; however, you may end up paying a lot more on modifications and improvements.
Anna Stenning is an expert on scooter insurance having helped people select the right policy for themselves in the past.