Scootering Magazine online

Insurance Advice

The Lex-Man

Have you got a question regarding scooter insurance that you need answering?

Whilst we at Scootering always try our best, we thought it easier to give a few column inches to an expert in such matters. Andy Goodson of Lexham Insurance Consultants owns an electric start Lambretta LD and a Vespa SS90 amongst others, which include a Vespa P200E for regular use, and he’s the man for this job!

Feel free to drop us a line at the usual address (please keep it concise and mark the envelope ‘The Lex Man’) and we'll pass it on to Andy. We can't promise to publish each and every one, but we'll do our best. We would also advice that should your enquiry be urgent your current insurers should be your first point of call, and if you are still not satisfied, the Financial Ombudsman, www.financial-ombudsman.org.uk.

Andy’s advice & comments are offered in good faith, but they can be based only on the information we pass on to him & are given on the basis that neither he nor Lexham will be liable for any consequences.

To ask the Lex-Man a question use the Submit form>>

I have a scooter that is a Vesa PX200e but is registered as a 125cc. I came off it a couple of years ago, got badly smashed up and the bike was not too clever either and they refused to pay out. How do I get it insured?

D, Birmingham

(Firstly, I think the most important thing is to be honest with insurance companies when obtaining quotations, as if not and you do need to make a claim down the line you may find yourself without any cover. Although this may not be the case with you, the normal reason for registering a 200cc as a 125cc in my experience is because the person riding does not have the correct licence, in which case nobody will want to insure you as you will be riding illegally.

If on the other hand you do have the correct full licence and you have purchased the vehicle registered incorrectly then you just need to write to DVLA and re-register the vehicle correctly to show that it is actually a 200cc.

Once this has been done you should have no problems at all.

Regards,

Andy

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