Older mopeds on new AM license category - insurable?

[RuaridhM]

Spent a few hours searching online including on here and can't find any answer. Question is has anybody insured an older moped for a 16-year-old?
I have an old circa 1981 Honda MT50. In early 80's, after the pedal-sports moped loophole was closed, the classification was "P" or something, which was a design top speed of maximum 30mph (and max 4kw or thereabouts).
Now I note that the classification is called "AM" which is "Mopeds with speed range of 25 km/h to 45 km/h".
45km/h is 28mph. Might seem like splitting hairs and I very much doubt if Police would take any interest in an un-modified old moped doing 30mph. But it's the kind of thing insurance companies would love to say "computer says no" to, and it would be a real pain to spend time and money fixing bike up and putting it on the road only to find intended sixteener couldn't get insurance for it.
I've FB messaged a couple of the main insurers, but suspect I'll only get a definitive answer from them by actually going through the whole proposal / quote process.
Wondered if anyone on here had any experience of this?

[Tankie]

I think most companies would take it on the grounds of it falling into vintage , another couple of years the moped can be classified as "Historic" under DVLA rules .
I have a moped which is on the road and it predates the classification of Moped, originally the machine was in a class described as "Bicycle", its a 1950's Trojan Mini motor power pack strapped to the back of a standard pushbike with rod brakes, no MOT , no tax ,just insured.
So basicly anything that has been on the road in the past is still allowed to go back on the road.
My insurer said i am limited to 3k miles a year on it , i said, really how do i quantify that ?, it's has not got a speedo!
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Always learning, everyday is a school day

[Evil Hans]

Why not just go to TheBikeInsurer.co.uk and run some dummy quotes?
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Triumph Sprint ST 1050. And it's Red.

[GSTEEL32]

I absolutely get the point about insurance companies splitting hairs, but I think in this instance, it really isn't going to be an issue.

Given your not changing the capacity of the engine, I suspect any inspection in the event of a claim, would be very superficial anyway. Having owned both the MT and MB50 in the past, they are great learner bikes, but don't carry a reputation for being quicker than they should be, as stock.

Given the rising prices of these 80s mopeds, you could always sell it and get him a more modern equivalent, if you still feel its an issue.

[davebike]

Not just insurence old Pre restricted mopeds now need an a 1 licence no longer for 16 year old !
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Dave
NC750Xdct + others at work !
davebike1@gmail.com

[RuaridhM]

Many thanks for the helpful replies.

[RuaridhM]

Just for those interested to follow me down this particular rabbit hole, this is part of what I found online:

[davebike]

Weather the licence is approperate is down to how it is registered wrong class equles not appropert licence
Probibly no issue untill accedent then insurence is invalid
They pay 3rd party and may sue rider for costs issue is next time want insurence ! Yes they all talk to each other
____________________
Dave
NC750Xdct + others at work !
davebike1@gmail.com

[RuaridhM]

[RuaridhM]

Same reply from Hastings Direct when pressed:

[A100man]

Good lord - what a palaver
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[Jmoan]

What a joke especially when you consider most fit cyclists could go faster on the flat than these gimped scooters.