I was buying insurance for my 16 year old twins for their new motor scooters. Beware of the advertising and the exclusions - they cause a substantial increase to advertised 'best' price. The amount of excess and then voluntary excess can render a policy just meaningless in terms of compensation to the value of the scooter. Watch the 'littlle' sums to, like legal protection, breakdown cover and accessories such as the crash helmets and specialist clothing. I am not sure why the cover is so expensive - it appears as though insurance companies are exploting the supposed reputation of young new riders.........we live in a very low risk area, the bilkes are kept garaged in a secure and alarmed garage, they have massive security locks and alarms, plus they have very expensive trackers fitted yet the insurance cost 450 pounds per bike. The cost shot up when I confirmed that the scooter would be used to go to school - not worth not revealing this rather obvious fact. Why cant insurance companies provide incentives to these learners? Pass your test and get some discount on your next years insurance? No claim in the course of the year then they could provide meaningful discount the following year. Reality? Just keep hiking the costs. The most bitter pill are the quotes - there should be legislation to avoid misrepresentation and to avoid the additional costs associated with the required bolt-ons.