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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  4.34 Rating on 730 Reviews

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Shezad 

Taylor is an absolute legend does not like to waste any time gets the job done and likes to help all customers

Posted 2 weeks ago

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DAVID GILLEY

usual high standard of service and you can speak to a human being!!

Posted 2 weeks ago

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Gus of M&R Coleman

With help from Serena updated details of schedule regarding removal and addition of vehicles on policy.

Posted 3 weeks ago

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Sam Forsythe

Amazing company for trade insurance everything I have needed I asked for and it’s been done. An amazing team at Portsmouth Tyler has done everything I have asked for plus a lot more very responsive couldn’t ask for any better

Posted 4 weeks ago

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Abdelilah Elhameri

Spoke to a agent named Jason was brilliant help from the start to end .

Posted 1 month ago

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Donald Hines

Always helpful and prompt with my request.

Posted 1 month ago

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Anonymous 

I have used Clegg Gifford as supplier of my Motor Trade policies for many years now and never had a problem. Easy transactions, prompt MID updates and good communications. I can recommend them to anybody considering them for their Motor Trade policy...

Posted 1 month ago

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York 

Renewed my trade policy today, Was dealt with by a gentleman by the name of John Coleman, He made the whole experience painless and easy. Thank you John.

Posted 1 month ago

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Chris Curry

All ways helpful I would recommended them highly for your insurance needs. Thank You

Posted 1 month ago

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Kevin 

Doing my renewal was so easy, Rebecca Ross sorted it slick and smoothly 👏👏

Posted 1 month ago

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Bill Ryding

Excellent service! Great staff! Been with them for years and never had an issue. Always good to speak to people who know what they are doing ! Well done Tracy Bulloch for assisting me with my renewal. Policies offer great value for money. They do their best to fit the policy around your needs. Lots of people agree with that. It's a fact!

Posted 1 month 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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