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Moped insurance is an insurance policy designed to protect a moped owner from the risk of damage or loss of a moped. Some jurisdictions require that if you operate a moped on a public road, the owners must carry insurance. In other places, moped insurance is optional. The insurance policy can provide medical care to all injured parties in the event of a major accident, or it can be simple to insure against theft or weather-related damage. Even if motor insurance is required, there are still many options for car owners when setting up insurance policies.
In many ways, a moped is nothing more than a low-powered motorcycle. Mopeds are often similar to motorcycles but are less expensive and typically have lower power output. The engine displacement on a motorcycle makes the bicycle no more than 50 miles (80 kilometers) per hour. Although the design of a moped may be similar to a motorcycle, a moped is not a motorcycle type, and motorcycle insurance requirements generally do not apply to a moped.