Piaggio insurance
Compare Piaggio insurance
Piaggio is an iconic Italian brand, synonymous with style. The group has been producing two and three-wheel vehicles for over 100 years, with its scooters and mopeds leading the way in urban mobility.
Whether you ride the light, zippy Piaggio Liberty. Or the stable, comfortable Piaggio MP3 three-wheeler, you'll want to compare Piaggio insurance to find the right deal for your bike. Here we'll look at what you need to know, and how to save.
What factors affect scooter insurance premiums?
A few factors affect scooter insurance premiums. Scooters and mopeds are classed as motorbikes for insurance purposes. But with engines between 50cc and 150cc, the cost to insure a scooter is usually lower than a motorbike
So engine size - and therefore power - is one factor. But numerous other factors influence how much you can expect to pay for premiums:
- Your age
- Where you live
- Your annual mileage
- Your riding history, including whether you've made any claims in the last five years
- The make and model of your bike
- Its value
Whether it has any modifications.
Top Tips for reducing insurance costs
If you're looking to reduce the cost of cover, check out our guide on how to get cheaper motorbike insurance. But here are some quick and handy tips:
- Shop around. Don't settle for the first policy you find, and don't let your policy auto-renew. Always compare from a range of providers to find the cover that's right for you.
- Take a motorbike course. Insurance providers could offer you cheaper insurance if you have an advanced riding course under your belt. Consider upgrading your skills with additional training.
- Increase security measures. If your bike's locked in a garage overnight, this is likely to mean cheaper premiums. Likewise if you've installed any anti-theft security features.
- Pay annually. If you can afford it, paying for your policy in one whack upfront will work out cheaper than paying monthly. This is because monthly instalments come with interest attached.
- Increase your voluntary excess. Excess is the amount you have to pay first if you make a claim. Increasing your voluntary excess means you shoulder more of the risk, which is likely to mean cheaper premiums. Don't set it at a level you couldn't afford to pay if you need to make a claim though.
- Assess optional extras. Don't pay for any add-ons if you're not going to use them.
Types of Piaggio motorcycle insurance
When you buy insurance for your bike or scooter, there are 3 levels of cover to choose from:
Third-party
Third-party, fire and theft
Comprehensive
What optional extras can I get with my insurance?
Motorbike insurance providers may well offer optional add-ons to your cover. While these are sometimes included as standard, you generally have to add these to your policy for a fee.
Breakdown Cover
Breakdown cover provides you with roadside assistance if your bike or scooter breaks down. You can usually choose between different levels, including roadside recovery, onward journey to get you to your destination, and home start if you break down on your driveway.
Personal accident cover
Otherwise known as personal injury cover, this add-on provides financial support if you're injured in an accident, or to your loved ones if you die. Cover levels vary between insurers, so check the policy specifics before you commit.
Legal protection
This covers your legal fees if you need to make a compensation claim against someone. Such as for personal injury or loss of earnings if you're hurt in an accident that wasn't your fault. It can also cover your legal expenses if someone makes a claim against you.
No claim bonus protection
This is an extra which stops you from losing all the years of no-claims bonus (NCB) you've built up if you need to make a claim. Policies vary between providers. Make sure you check to see how many years of no claims you lose if you do have to claim. And the number of claims it allows you to make.
Pillion cover
Pillion cover insures you for carrying a passenger on your Piaggio. This will cover them if they get injured while riding pillion. Note that you need the right kind of licence for this, and you can't carry passengers if you have a provisional licence.
Piaggio history and facts
The company was founded in 1884 by Rinaldo Piaggio in Italy, originally producing locomotives and railway carriages. Piaggio shifted its focus to affordable personal transport after the Second World War. In 1946 it produced the Vespa scooter, which has become a global icon.
The Piaggio Group now exclusively produces stylish, compact two and three-wheel vehicles under a few brands: Piaggio, Vespa, Aprilia, Moto Guzzi and Derbi. Popular models include the Piaggio MP3, Piaggio Ape and Piaggio Liberty.
Fun fact: The popularity of the Vespa skyrocketed after its appearance in the 1953 film Roman Holiday, starring Audrey Hepburn and Gregory Peck.
Bonus fact: The name 'Vespa' means 'wasp' in Italian, inspired by the scooter's shape and buzzing sound.
FAQs
Can you get classic moped insurance?
Yes, you should be able to get classic moped insurance.
You can usually get classic cover on any kind of motorbike, so long as it meets the insurance company’s criteria for it to be a ‘classic’.
If you’ve any concerns get in touch with the motorbike insurance company and check if they offer classic cover for mopeds.
Can I get multi-bike cover?
Yes, you can insure your Piaggio on a multi-bike policy. When you put multiple bikes on a policy, this cuts down on admin as there's only one renewal date to remember. Plus it might save you money.
Can I get coverage for international trips?
Yes, although it's not often included as standard on motorbike policies. When you compare bike insurance, check to see if you can add riding abroad to your chosen policy. You may need to pay a fee, but it tends to be affordable.There is sometimes a 30-day allowance to drive abroad included with some policies. Find out more about touring Europe on a motorcycle.
What should I do if my Piaggio is stolen or damaged?
You can find out everything you need to know about making a claim on your motorbike insurance here. But in short, here are the important steps to take:
- Take photos and document what happened
- Get eyewitness details if you can
- Get the details of any other road users involved
- If it's stolen, report it to the police and get a crime reference number
- Get in touch with your motorbike insurance provider to make a claim
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