How to insure a scooter (50 or 125 cc)?
Insurance for a 50 cc scooter
A 50 cc scooter (moped category) requires at least one civil liability insuranceobligatory to travel. The AM license (ex-BSR) is required for people born after 1988. The bonus-malus does not apply to 50 cc. Insurers require the registration certificate (registration certificate), an identity document and proof of address.
You can subscribe in agency or online. The formulas vary: simple third party, extended third party (theft, fire), or all risks. Driver equipment can be included as an option. Check deductibles, compensation limits and assistance (0 km or not).
Insurance for a 125 cc scooter
A 125 cc scooter is subject to bonus-malus. You need an A1 license or a B license with seven hours of additional training. Insurers require the registration document, the appropriate license and the information statement to evaluate your coefficient. The guarantees offered are similar to those for motorcycles: third party, third party plus, all risks.
Pricing criteria include age, experience, parking location and use (private or professional journeys). Compare the exclusions and the compensation value (new value or obsolescence deducted).
Electric scooter insurance
Insurance is mandatory for an electric scooterdepending on its equivalent power (50 or 125 cc). The same permit and bonus-malus rules apply depending on the category. Insurers ask for the registration document and the usual supporting documents. Some specific warranties may cover the battery, particularly in the event of theft or electrical damage.
Which scooter insurance to choose?
Civil liability
Civil liability is a legal obligation for any scooterin circulation or parked. It compensates for material and bodily damage caused to third parties, including the passenger. It does not cover your scooter or your own injuries. This is the minimum base imposed by the Insurance Code. All other guarantees are optional.
Third party formula (the basis)
The “third party” formula includes civil liability. It includes a guarantee “ criminal defense and appeals » and sometimes a assistance (towing and support after breakdown or accident). It does not compensate for damage suffered by your scooter. This formula is especially suitable for old or low-value vehicles.
Intermediate formula (the extended third)
This formula adds third-party guarantees against theft, fire and broken glass. Compensation is most often provided in deducted obsolescence value, sometimes with a replacement value option. It can include natural and technological disasters if damage coverage is taken out. Adapted to recent, but not new, scooters, it offers a good compromise.
Collision damage coverage
Less common, this formula covers damage to the scooter in the event of a collision with an identified third party. She does not apply in the event of an accident alone or vandalism. It constitutes an economical alternative to the all-risk formula, particularly for a used scooter that still has a significant value.
All risks formula (all accidents)
The “all risks” formula covers damage to your scootereven in the event of a responsible accident or without an identified third party. It includes climate events, vandalism and technological disasters. Accessories, c or equipment can be guaranteed according to the contract. It is recommended for a new or recent scooter.
Driver Guarantee
Standard formulas often exclude bodily injury to the at-fault driver. Driver coverage compensates for your injuries (medical expenses, disability, loss of income). The amounts vary greatly depending on the contracts. It is essential to check the ceilings compensation and intervention thresholds.
What is the best insurance for scooters?
The best scooter insurance depends on your situation: use, type of scooter, age, driver profile and budget. No company is best for everyone: you have to compare them to find the one that meets your real needs/
Recommended insurers and contracts: AMV, April, Macif, AXA, etc.
Several companies are regularly cited for their offers dedicated to two-wheelers. Some are specialized, others general, but all offer packages adapted to scooters:
- AMV Insurance : this is specialized insurance for scooters/motorcycles with wide ranges of formulas and possible customization. It allows for quick online subscription.
- April Moto : April offers dedicated two-wheeler contracts, often well rated on comparison sites.
- Macif : it has large agency networks, offers packages adapted to all types of scooters and additional options.
- Bikers Mutual : it is a mutualist specializing in two-wheelers, which offers extensive coverage, 24-hour assistance and varied options.
- AXA And Allianz : these are large general insurers offering personalized scooter/motorcycle contracts.
Criteria for determining the best offer
Before subscribing, examine carefully the following to avoid insufficient protection or unexpected costs:
- Level of guarantees (third party, intermediary, all risks).
- Amount of deductibles.
- Driver compensation limit.
- Flight conditions (approved anti-theft device required).
- 0 km assistance or not.
An attractive premium is not enough to choose your scooter insurance: the contract must really protect your scooter and your personal situation. Do not hesitate to ask for quotes for your scooter insurance
Role of online comparators
Using a scooter insurance comparator allows you to quickly identify contracts offering the best coverage/price ratio for your profile and your needs before subscribing. In just a few minutes, you get several personalized quotes based on information about your scooter, your driving experience and your parking location.
How much does scooter insurance cost?
The price of scooter insurance varies depending on the driver’s profile, the characteristics of the vehicle and the level of protection chosen. There is no standard rate that applies to everyone. Two policyholders with an identical scooter can pay very different amounts.
Criteria linked to the scooter
The scooter insurance premium is calculated based on the vehicle. There displacement plays a determining role: a 125 cc in principle costs more to insure than a 50 cc. There brand, THE model, there power and the age of the scooter are taken into account. A new or high value vehicle results in a higher contribution.
Criteria related to the driver
L’age and theseniority of the permit strongly influence the price. Young drivers often experience an increase during their first years of insurance. The history of claims and the bonus-malus coefficient, applicable to 125 cc, also weigh in the calculation. A suspension or withdrawal of your license can result in a significant additional premium.
The guarantees chosen
The level of coverage determines the amount of the contribution. A third-party formula remains the least expensive, because it only covers civil liability. An intermediate formula including theft and fire increases the price. The all-risk guarantee, which also protects the scooter, is the most expensive.
Use and location of parking
The use of the scooter constitutes a other essential factor. Strictly private use is generally less expensive than professional or delivery use. The geographical area also influences the price, particularly in terms of the risk of theft. Parking in a closed garage often reduces the premium compared to parking on public roads.
Indicative price range for scooter insurance
It is difficult to indicate a precise price as there are so many variables. As an indication in 2026, a 50 cc scooter insured by a third party can cost around 150 to 250 euros per year for an experienced driver. In all risks, the contribution frequently exceeds 400 euros and can reach or exceed 1,000 euros for a young driver or in a dense urban area.
Get quotes made
The only way to get a reliable price is to request several personalized quotes. Online comparators offer a quick estimate based on your real criteria. However, it is essential to carefully examine the guarantees, deductibles and exclusions, because a low rate does not guarantee sufficient protection in the event of a claim.
How to cancel scooter insurance?
Termination at the annual maturity
You can cancel your scooter insurance on its annual expiry date. Since the Chatel law, the insurer must inform you of the possibility of cancel before automatic renewal. Simply send a registered letter or a written request within the deadline indicated on the notice of expiry. Compliance with the notice period conditions the validity of the termination.
Cancellation at any time after one year
After one year of commitment, you can cancel at any time, without fees or penalties. This possibility results from the Hamon law, applicable to compulsory insurance, including scooter insurance. Termination takes effect one month after receipt of the request by the insurer. This flexibility makes it easier to change insurer if you find a more suitable offer.
Termination in the event of sale of the scooter
If the scooter is sold, the contract is automatically suspended the day after the transfer at midnight. You must inform the insurer by mail or formal declaration, attaching a copy of the transfer certificate. Termination becomes effective after notification. It is advisable to keep proof of postage.
Termination for change of situation
A change of domicile, profession, marital regime or personal situation may justify termination if this change modifies the insured risk. You must send your request within three months following the event, with supporting documentation. The insurer may propose an adaptation of the contract rather than termination.
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