Electric moped insurance explained
Third-party cover, what a subscription includes, and the optional extras worth knowing about.
Is insurance included with an electric moped subscription?
Yes. Every Moon Fleets subscription includes third-party insurance as standard, so you’re covered for liability to others from the moment you collect the vehicle — there’s nothing separate to arrange. Optional theft and damage cover is available on top for extra peace of mind.
This is different from buying a moped, where you arrange and pay for your own policy. With a subscription, insurance is bundled into the one monthly price alongside servicing, GPS tracking and an anti-theft lock.
What does third-party insurance cover?
Third-party insurance covers your liability for injury or damage you cause to other people or their property — the legal minimum to ride on UK roads. It does not, on its own, cover damage to your own vehicle or theft of it.
That’s why Moon Fleets offers optional theft and damage cover on top: it extends protection to the vehicle itself, so you’re covered if it’s stolen or damaged.
What happens if it’s stolen — GPS and your responsibility?
Every vehicle includes GPS tracking and an anti-theft lock. If a vehicle is stolen, you must notify the police immediately; Moon Fleets then uses the GPS to help recover it, and handles claims in-house.
Note that the person who signs the subscription remains responsible for the vehicle at all times, regardless of who is using it — so keep it locked and don’t lend it without thinking.