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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  4.46 Rating on 1063 Reviews

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Anonymous 

Ery helpful

Posted 1 week ago

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Rhys Evans 

Kelly Kendall many thanks for your prompt attention.

Posted 2 weeks ago

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John Stokes 

Very happy with this company been with him for several years. Very reliable.

Posted 3 weeks ago

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Anonymous 

Maisey was really helpful and advised me well enough to take out the policy, I would use Maisey again x

Posted 3 weeks ago

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James Weightman 

I have to say to huge thank you the company as this is my first time having a traders policy due to my lack of knowledge of how it works, if it hadn’t of been for Imogen Gibson I think I’d of probably lost the plot. Apart from health issues I’ve had while setting up the policy, nearly causing me to loose the policy but she explained my health and mental health situation. Thanks to Imogen I now have a policy that I understand sort of. I’m still reading everything as it’s not my quality at all. But I hope that I can carry this policy on moving forward. My initial plans of the policy weren’t going to be of any use to me for my id taken the policy out. But again Imogen has been amazing absolutely above and beyond what I’ve ever experienced from these sort of decisions. By that is I could have easily have lost everything and it would have made no difference to Imogen whether I kept it or not. But after her patients and listening ear. And empathy. I think she should be used for future training purposes for future employees and possibly current ones. I can thank everyone enough who have had any part to play in my policy. But due to my mental health she doesn’t realise that if she hadn’t been able to explain my situation to the right person at the right time. I don’t think the financial loss I’d of received from losing the policy. I would have taken my own life. Because I’ve taken this to benefit my own knowledge on car maintenance to save myself a fortune. Please make sure Imogen gets the recognition she deserves for her customer service and just amazing support. Though out getting it sorted.

Posted 4 weeks ago

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Ghazanfar zaman 

I am leaving tradex this year I have been a loyal customer for more than 15 years at the Romford office I renewed last year I was I paid tradex four hundred pounds more to renew I was getting it a lot cheaper else were the only reason I stayed was because of a lady called Kelly Kendall who has being dealing with me over the last twenty years wen I was at central cab care as the owner back in 2003. This year I have been quoted over £1.000 more by tradex I am getting it it £1301.84 else were I will be sending the proof to yourself once I renew before the 15th March. Once again like to thank Kelly Kendall for the way she been dealing with myself a true professional thanks

Posted 1 month ago

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Anonymous 

All Good, Been with them for may years

Posted 1 month ago

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Darren Moore 

excellent service, very speedy response for my PL policy, i was dealing with kirsty highly recommend, very competative prices

Posted 1 month ago

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Jessica Morris 

Excellent Team in Sheffield, helped sort my GP business insurance out no problems! thanks Scott for your help and patience.

Posted 2 months ago

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Abdul 

The service is fabulous, a special thanks to Joanne, she has been very helpful, her responses are very prompt, shes a big asset to the company.

Posted 2 months ago

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Henry 

I had problems getting on to the MID database and I needed a car registered for the weekend. Serena Horsewell sorted the whole problem out and made sure the car had insurance for that weekend. In addition she emailed me to tell me that it was all sorted so I had piece of mind that it was done. This is the type of service I rarely get these days and I appreciate the effort she made. Score10/10

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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