Types of policies: There are three categories Compulsory Third Party. You can’t register your scooter without it. It covers injury to people such as pillions and pedestrians, usually called a Greenslip sometimes called CTP or TAC, depending which State or Territory you are in. Third Party Property Damage. This covers damage to someone else’s property, whether it be another scooter, motor vehicle or any other type of property belonging to a third party. This type of insurance does not provide any damage cover to your own scooter. Comprehensive. By far the most common type of insurance, will provide accidental damage cover to your scooter including fire, theft, malicious damage and third party cover for damage to other party's property. Many insurers offer insurance for scooters but tend to categorise them the same as full-scale motorcycles and charge their premiums accordingly. There is however, myscooter insurance, which offers the only scooter specific product available on the market. You can get a quote and buy myscooter insurance instantly on-line by clicking on the link http://www.aristaunderwriting.com.au/products/myscooter.cfm Other considerations when buying Scooter Insurance; No Claim Bonus also referred to as your “rating” is the discount insurance companies offer you as a reward for the number of years you have been insured without making a claim. Some scooter oriented insurance companies will recognise a no claim bonus on a motor vehicle insurance policy or even claim free years for driving a company car. These discounts can vary and save you up to 60% in many instances. Excess is the amount you have to pay when making a claim. For example, you would pay the first $200 of a claim and the insurance company pays the balance. Generally, if you can prove that another party was at fault, following a collision, you may not be required to pay the excess at all. It pays to compare how much the excess is between the different Insurers. Market value is the value of your scooter giving consideration to its age and condition. Riding Apparel & Personal Clothing is an important inclusion in any policy because if your riding gear is damaged as a result of an accident, these can be expensive to replace. Check to see if your policy covers such items and always keep receipts in case you need to provide evidence of their purchase, should you have to make a claim in the future. Choice of Repairer is an important matter because if you have to have your scooter repaired, you don’t want to have to cart it all over town getting quote after quote just because your Insurer says you have to. This can be a stressful time, so when deciding on an Insurer, ask them if you can choose your own repairer and how many quotes you will need when making a claim.