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Scooter Insurance

  • Wide acceptance of riders both provisional & mature – starting with provisional license holders aged 14+ on 50cc
  • Available for younger drivers in conjunction our Family Fleet policy
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I'm nearly 14 and want to purchase a scooter and get it insured. What do I do now?

Getting your first scooter is part of Guernsey life for many of us. It’s the first step on the road to independence. Usually, the hardest part is convincing your parents to let you have a scooter in the first place!

Our Family Fleet policies can provide insurance for you and there are many benefits for the family too – please see our Family Fleet policies.

We have many years experience in providing first time riders with insurance from the age of 14 onwards. There is even a good chance we insured your parents when they had their first scooter / bike.

If you already have a Family Fleet policy with us, we can simply add you and your scooter to this policy. Otherwise, we can set up a Family Fleet which can accommodate all the family’s vehicles and drivers including you and your scooter.

What is the process for getting on the road?

Your first stop is Bulwer avenue and the States Driver & Vehicle Licensing Department. 

If you are just turning 14, you will be entitled to apply for a Category “P” licnese. This entitles you to ride / drive “any 2 or 3 wheeled vehicle with an engine not exceeding 50cc or electric engine having a maximum continuous rated power not exceeding 4kw.”

Having received your provisional license, you then need to book on a CBT course. Just having the license does not mean you can ride the bike until the CBT has been completed, but at this point the bike can be insured.

Compulsory Basic Training (CBT) certificate

If you hold a provisional licence in categories P (also A1, or A) then you cannot legally drive or ride your motorcycle or scooter on a public highway unless you have successfully completed a training course for motorcyclists (CBT) & have been issued with a certificate of completion.

But in order to apply for the CBT, you must have a valid provisional license, the correct safety gear and most importantly – a live insurance policy in order to sit the CBT.

What type of cover is available

Scooters can be covered on a Comprehensive, Third Party, Fire & Theft and Third party only basis.

Comprehensive covers you for the damage to your bike, subject to an excess applied to the policy.

The next level of cover, Third Party, Fire & Theft covers you for repair or replacement of your Motorcycle if it is damaged by fire, theft or if it is stolen.

And third party liability covers you for the damage you cause to others and the costs for injury to other people or damage to their property.

I'm not a 14 year old looking for scooter insurance - is it still available?

Absolutely! We offer a range of policies and cover options for riders. This includes:

  • 50cc / 125cc and other types of scooters
  • Scooters insured in isolation or for specific purposes, e.g. Scooters used from motor homes
  • Scooters used for commuting
  • Mature learners & those on provisional licenses
  • High value scooters
  • Occasional use scooters
  • Multiple driver options
  • Other vehicles can be added to a Family Fleet policy and a policy can start with as little as one scooter and you can add vans, cars and multiple other vehicles to the policy
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What our clients say

Discover what our clients are saying on the most trusted review platforms

  • We have a  4.47 Rating on 1084 Reviews

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James weightman 

I’ve left a review before but I must say Imogen Clegg has been absolutely amazing with me through the whole process. It’s my first traders policy so I’ve been very lost at what I’m doing. But the customer service I’ve received from Imogen is outstanding. And also because I have bad mental health issues she’s been supportive and checking on me. Fantastic service all round but she has been a life saver

Posted 5 hours ago

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Tahlil 

Great service by Tom Merritt

Posted 2 weeks ago

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Iain Martin 

Great service

Posted 3 weeks ago

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Ainars Aleksanders 

Imogen has helped me through my renewal was great service and pleasure to speak to thanks again!

Posted 1 month ago

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G Marchant 

I sent Serena an email at 23.30, asking for a car to be added to MID. She replied at 06.30! That’s what I call service.

Posted 1 month ago

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Donald Campbell 

Always had a great service with clegg Gifford and especially with the help from Serena who is an asset to this company

Posted 1 month ago

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Laurent Harper 

Joanne is the most pleasant and efficient insurance agent I have ever known in all my years of driving since 1985. Super quick, detailed, easy to understand responses to calls and emails . She's great!

Posted 1 month ago

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Alan 

Always sorted promptly, I mean within minutes, 10 out of 10 Serena.

Posted 1 month ago

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Ahmadzai manzoor 

I'm so pleased to inform that I'm happy the service I received today and things move to easily and smoothly with my insurance

Posted 1 month ago

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M khan 

Kelly was excellent she dealt with everything smoothly

Posted 1 month ago

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Michael Smith 

I have just renewed my taxi insurance with Clegg Gifford. Everything went very well with no issues at all. Many thanks to Rebecca Ross for assisting me with my renewal

Posted 2 months ago

Why use Clegg Gifford?

  • Local office with friendly, helpful staff

    Unlike online insurers or UK-based call centres, you can pop in to speak to a human at our offices in Admiral House. Our staff are always happy to help with any enquiries you might have and guide you through the insurance-buying process. We are proud to support the local community and invest in local services for your convenience.

  • We use flexible insurers and aim to cater for unique circumstances

    Every risk is different and every person has unique circumstances to accommodate. Try us for those complicated or hard to place policies. Equally for those without insurance history, or with claims, we will strive to find a suitable policy that caters for your specific requirements.

  • You can place your commercial and personal insurance under one roof

    It’s far easier to deal with one broker for all your insurance needs. With a wide range of products available from different insurers, we can be your one-stop-shop for all your insurance needs either for yourself our wider family or your business. For instance – our family fleet policy enables you to place all of your household’s vehicles including cars, vans and bikes under one flexible policy.

  • The local factor – Guernsey expertise counts!

    One of the benefits of having been in the island for so long is that we can feedback the unique needs of islanders back to insurer partners. This counts when it comes to claims arrangements and for instance fighting for local choice on repair networks. It also means working with insurers to create flexible products such as our unique family fleet policy, which makes arranging insurance for your whole family that much less stressful – one premium, one renewal date, one policy.

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