If the bike is stolen, the policy holder can recover the blue book value, less the deductible.
Larger engines fall into the scooter category.
Coverage for theft and liability is available from Progressive Insurance, though few other carriers have it and not all agents, even with Progressive, will write a moped policy. As a matter of policy, other markets turn down mopeds. He will require liability coverage as well as theft. Moped theft made headline news last semester at the University of Hawai'i. On Feb. 16, two men were caught and arrested for attempting to steal a moped near Gateway Residence Hall.