Moped for commuting

[DemonDriverDan]

Does anyone use a moped for commuting in London? I currently live south-east (Beckenham) and work over in west (Hammersmith) so either get the train or cycle to work. I've slightly fallen out of love with my bike so wondered about selling it to fund a moped and using that solely as running costs will be a lot cheaper than the train.

My main issue is insurance, it's crazy! I'm 24, been driving since I was 17 with no accidents and I had a 50cc bike when I was 16 and yet insurance companies want a minimum of £600 a year for a £1k bike. I know I've not been riding for a while but that seems like a lot of money to me?

Does that seem right?

[DemonDriverDan]

I can understand why, high chance of being nicked but still, that's more than my car insurance!

[DemonDriverDan]

Haha, true! I've seen plenty of dodgy behaviour when I'm out on the push bike. It's one of the reasons I want to switch to a scooter rather than a bicycle, I think I might be a little safer or at least feel safer even if statistics say I'm more likely to have a crash.

I'm getting more sold on the scooter idea now. I've had an insurance quote for £450 which is more reasonable but the excess is £750, however I'm not sure what the best option is here. The quote was from MCE who I know from BSB and comes with additional cover like breakdown etc., the next best quote was ~£200 more expensive and came with no extras (although the excess was only £400 or so).

Currently just working through the maths of whether it makes sense to get one.