| Scooters, also known as mopeds, are becoming an | | | | Third party,, third party, fire and theft and |
| increasing mode of transportation. They are | | | | comprehensive coverage are basic and separate |
| economical for people living in densely populated | | | | vehicle policies. Now let's look at what you might |
| communities, university and college students. In some | | | | need to purchase these policies. |
| parts of the world, like in Asian communities, | | | | Driving Record |
| scooters are used more than cars. Scooters consume | | | | South African law requires the operator of a scooter |
| little fuel, if any, take up literally very little space, and | | | | or moped to be licensed to operate it, and they have |
| are inexpensive to insure. And insuring your scooter is | | | | minimum age requirements. You need to be eighteen |
| what this article is about. | | | | for a full driver's license and seventeen to get a |
| Scooters Are Motor Vehicles | | | | learners permit. |
| Although scooters and mopeds are perhaps the | | | | Mileage |
| smaller of the two wheeled vehicles, with the | | | | The insurance company may need to know how |
| exception of the bicycle, they are still considered to | | | | much your scooter will be on the road. The way |
| be motor vehicles because they operate from some | | | | they get an idea of this is to ask you how much you |
| form of power train, be it gas or electric motors. | | | | plan on driving around on your scooter. The amount |
| Because they are powered by a motor many | | | | you tell them can affect how much you pay. |
| communities want them insured when they are | | | | Security |
| traveling about on their public roads. | | | | If you are considering buying a comprehensive policy |
| What Coverage Is Needed? | | | | the insurance company will nearly insist that you |
| The most basic coverage, for any vehicle, is third | | | | purchase an approved locking device to keep your |
| party insurance. If your scooter hits someone and | | | | scooter secured whenever you are not riding it. The |
| causes injury to that person your third party | | | | insurance company can actually make this request |
| insurance will pay the medical bills for that person. If | | | | before insuring you if they want to. Their thinking is |
| you run into something and damage it, your third | | | | that if your scooter is appropriately secured there is |
| party insurance will pay for the damage your scooter | | | | less chance of it being stolen. If you scooter is stolen |
| did. | | | | and was not properly secured you will have a very |
| Fully comprehensive insurance is another type of | | | | difficult time getting the insurance to pay for it. |
| vehicle coverage. This coverage not only pays for | | | | Shopping For Scooter Insurance Coverage |
| everything that the third party insurance pays for | | | | There are many automobile and motorcycle insurance |
| damage done to you and/or your scooter. If you ride | | | | companies to choose from in South Africa today, but |
| a scooter in a highly populated area it may be a good | | | | not all will insure scooters or mopeds. Honestly |
| idea to have this type of coverage for your | | | | speaking, it is not very lucrative for them to do so. |
| protection should another vehicle not see you and hit | | | | The money they make from such coverage is |
| you. This coverage can also pay if your scooter is | | | | minimal at best. But there are some insurance |
| stolen, for example. Or if for some reason your | | | | companies out there that would like to provide |
| scooter catches on fire the insurance company will | | | | insurance coverage for your scooter. |
| pay for the damage done and, in some instances, | | | | After finding a few insurance companies that do |
| pay for the purchase of another scooter. | | | | insure scooters and mopeds call each one and get a |
| In between these two levels of coverage is third | | | | quote from them. You should find that coverage for |
| party, fire and theft insurance. This is fairly | | | | a scooter is relatively inexpensive and affordable. |
| self-explanatory in what it covers. | | | | |