Top 5 scooter insurers in France in 2026

In brief

• AMV is the number one scooter insurer in France in 2026, ahead of Mutuelle des Motards and April Moto, with third-party cover from 180 euros per year and a 4.7/5 rating from 5,328 verified reviews.
• The average scooter insurance price is 430 euros per year across all formulas, with a 38% gap between the cheapest and the most expensive on the market.
• Specialist two-wheeler brokers (AMV, April Moto) and Mutuelle des Motards are 20 to 30% cheaper than generalist insurers on scooters.

Choosing the best scooter insurance comes down to three criteria: the price, the breadth of cover and the quality of claims service. On this segment, specialist two-wheeler brokers make two-wheeler insurance cheaper than generalists. The smart move is to use a comparison tool to find insurance and get a scooter insurance quote online in minutes, before you take out a policy suited to your profile. As with motorcycle insurance, compare insurance policies on the same vehicle. Here is the 2026 ranking of the best scooter insurance providers, their prices, strengths and limits. For the vehicle itself, see our best 125 scooter comparison first.

The best scooter insurance ranking in one table

Reference profile: 30 years old, 2 years licensed, Yamaha XMAX 125, Lyon, secured parking.

The cheapest option on scooters remains a specialist broker, provided you compare cover and not just price. The best scooter insurance is judged on the price-to-cover ratio: a third-party insurance policy is enough for an older scooter, while a new scooter justifies comprehensive insurance.

1. AMV: the best scooter insurance in 2026

AMV Assurances (formerly Assurances Moto Verte) has been the number one specialist two-wheeler broker in France since 1974. AMV insures more than 1 million motorcycle and scooter riders and posts a 4.7/5 satisfaction score from 5,328 verified reviews, with 9 out of 10 customers recommending it. That focus lets AMV offer one of the cheapest scooter insurance rates on the market.

Typical 125 scooter price: 180 euros per year third-party, 360 euros third-party plus theft, 590 euros comprehensive.

AMV advantages

• 0 km roadside assistance included, cover from your doorstep
• Helmet, gloves and airbag vest covered from the first formula, up to 2,000 euros with the dedicated option
• Scooter insurance quote online in minutes, instant subscription
• Every scooter insured: 50cc, 125cc, maxi-scooter, electric scooter
• Winter storage option to adjust cover off-season
• 300 specialist advisers based in Bordeaux, French customer service

AMV drawbacks

• No physical branch, everything is handled by phone or online
• Instalment fees if you pay monthly rather than annually
• Slightly less aggressive pricing on large maxi-scooters

2. Mutuelle des Motards: the mutualist commitment

Founded in 1983 by the French Angry Bikers Federation, Mutuelle des Motards is the only French mutual fully dedicated to two-wheelers. With no shareholders, surpluses go back to members. It is a credible alternative to insure a scooter with a strong community spirit.

Typical 125 scooter price: 190 euros per year third-party, 375 euros third-party plus theft, 605 euros comprehensive.

Mutuelle des Motards advantages

• New-rider surcharge tapering over 2 years only
• Free secondary rider by default
• 0 km roadside assistance included, claims handled by biker technicians
• Activist commitment: defending two-wheeler users beyond the insurance policy

Mutuelle des Motards drawbacks

• Mutualist membership required (token contribution)
• Longer claims processing in peak season
• Online customer area less modern than AMV’s

3. April Moto: the digital broker

April Moto is the two-wheeler arm of the April group, a French broker founded in 1988. It is AMV’s direct digital rival, with a polished online journey and car no-claims recognition that can lower the insurance price for experienced riders.

Typical 125 scooter price: 205 euros per year third-party, 390 euros third-party plus theft, 625 euros comprehensive.

April Moto advantages

• Car no-claims recognition up to 30% off for experienced licence holders
• Mobile app that is very complete, claims in 2 taps
• Comparative quote across several formulas in one simulation
• Enhanced rider bodily-injury cover

April Moto drawbacks

• Roadside assistance capped at 50 km on entry formulas
• Helmet and gear capped below AMV’s level
• Secondary rider charged as an option

4. Macif: the family mutual

Macif is one of the large French mutuals, founded in 1960. On two-wheelers it mainly serves existing members with car or home cover, where a multi-policy effect lowers the scooter insurance premium. For a newcomer, the rate stays average.

Typical 125 scooter price: 225 euros per year third-party, 420 euros third-party plus theft, 660 euros comprehensive.

Macif advantages

• Multi-policy discount up to 15% for existing members
• Dense branch network, face-to-face advice
• Mutualist status, stable pricing year on year

Macif drawbacks

• No two-wheeler specialisation, advisers less sharp on scooters
• More limited helmet and gear cover than a specialist broker
• Slower online subscription validation

5. Direct Assurance: the online pure player

Direct Assurance is the 100% online subsidiary of the AXA group, created in 1992. With no branches or intermediaries, it offers fast policy subscription and transparent pricing, slightly above specialist brokers but below traditional generalists.

Typical 125 scooter price: 235 euros per year third-party, 435 euros third-party plus theft, 680 euros comprehensive.

Direct Assurance advantages

• 100% online subscription in under 10 minutes
• Complete web and mobile customer area, self-service management
• Transparent pricing, monthly payment at no extra cost
• AXA backing, financial strength

Direct Assurance drawbacks

• No dedicated two-wheeler expert, car experts are used
• Cover less comprehensive than a specialist
• Phone support partly outsourced

Scooter insurance vs motorcycle insurance: what changes

Many riders try to insure a scooter the way they would a motorcycle, but the two policies follow different logics. Motorcycle insurance covers more powerful, more accident-prone vehicles, which pushes the price up. Scooter insurance, especially on a 50 or an urban 125, leans more on theft risk and daily city use.

On the motorcycle and scooter segment, the same players dominate: specialist two-wheeler insurance brokers offer a single insurance policy able to cover a motorcycle as well as a scooter, with the same third-party, intermediate and comprehensive insurance formulas. So it pays to compare one insurer’s motorcycle and scooter insurance offer, then use a comparison tool to confront quotes on your real vehicle.

The average scooter insurance price in France in 2026

Even with the best scooter insurance, the rate depends on the vehicle and the area. The average scooter insurance price in France in 2026 is 430 euros per year across all formulas. The breakdown by formula:

• Third-party: 160 to 280 euros per year (average 220 euros)
• Third-party plus theft and fire: 330 to 480 euros per year (average 410 euros)
• Comprehensive: 560 to 760 euros per year (average 650 euros)

Engine size and location weigh heavily: a scooter insured in Paris costs about 25% more than in a rural area. Classic motorcycle insurance stays slightly higher than a scooter of equivalent engine size, due to higher claims frequency.

How the scooter model affects the price

Electric scooters often get a 10 to 15% discount, led by AMV and Mutuelle des Motards. To compare more broadly, see our best motorcycle insurance ranking.

How to find the cheapest scooter insurance

Finding the best scooter insurance at the best price comes down to a few simple levers that cut the scooter insurance price by 20 to 40%.

Effective levers

• Use a comparison tool to put insurers head to head on the same profile
• Choose a specialist two-wheeler broker over a generalist
• Park in a locked garage: 8 to 15% off the theft cover
• SRA-approved lock: 5 to 10% off
• Pay annually to avoid monthly instalment fees

Mistakes to avoid

1. Picking the cheapest without reading the exclusions
2. Under-declaring mileage, which can void the policy
3. Skipping gear cover, when helmet and jacket are expensive
4. Overlooking 0 km assistance, essential for daily city use

To protect your riding gear, see our guide on motorcycle gear insurance, which also applies to scooters. And for a new rider, check the young driver 125 insurance ranking.

Which scooter insurance should you choose in 2026?

For most urban riders, the best scooter insurance is the one that balances a fair price with solid daily-use cover, not the cheapest line on a quote. A specialist two-wheeler broker such as AMV wins on this segment because it combines a low scooter insurance premium, 0 km roadside assistance and generous helmet and gear cover, three things generalists rarely match at the same price.

The right method stays the same whatever your scooter: define your real need (city commute, weekend rides, mileage), pick the formula that fits (third-party for an older 50 or 125, comprehensive for a new maxi-scooter), then run a comparison tool on your exact model. A new rider should also weigh the new-rider surcharge, which tapers faster at Mutuelle des Motards, while an experienced licence holder can claim a car no-claims discount at April Moto.

In short, the best scooter insurance in 2026 is AMV for the price-to-cover ratio, with Mutuelle des Motards and April Moto as strong alternatives depending on your profile. Always read the exclusions before you take out a policy, because a low premium with a high theft excess can cost more after a claim.

Frequently asked questions