Moto cc 50: which are the safest models?

There are various types of driving licenses to drive a motorcycle or scooter. The one that distinguishes the bikes has the letter A.
Today, at Mamme in Auto, however, we deal with 2 or 3-wheel mopeds, with a maximum speed of 45 km / h, with a displacement of less than 50 cc and power of less than 4kW. In this case you need the “AM” license, former license for mopeds.
License that can be obtained, through a theoretical and practical exam, from the age of 14 and which allows you to carry another person, in the saddle, from the age of 16.

50 cc scooters: all about the fifties

The so-called "fifties" are agile and fast vehicles that allow young people to move independently, already from the age of 14. And in this moment where social distancing is important, they could be an excellent alternative to public transport. There are different types, according to the needs of the individual.
There are essentially two categories: those with two-stroke engines - more responsive, but less economical in consumption - and four-stroke ones, less performing but more reliable. For everyone, however, the ABS system must be inevitable, which protects, in the event of a slippery asphalt, from even serious consequences.
They are not particularly expensive vehicles, on average the figure is around 2 thousand euros. What, on the other hand, is quite important is the annual insurance fee that starts at 200 euros, precisely because the so-called mopeds are considered "high-risk" vehicles.

Insurance and rules for cc 50 mopeds

Insurance is mandatory because mopeds comply with the same rules as other motor vehicles. Therefore they can circulate only if they have a civil liability policy that covers any damage caused to third parties (things or people).
It is stipulated exactly like all the others. Just compare the quotes of the many insurance companies and choose the one that best suits your needs. Online companies allow you to subscribe the policy directly to your PC or app, without the need to physically go to the agency. Compulsory insurance coverage is only for civil liability (i.e. it covers damage to third parties and also to transported persons), but numerous accessory guarantees can be added to complete the protection: in the specific case of mopeds, the guarantee is important, if not fundamental. kasko, the driver's accident guarantee and the theft and fire guarantee. Obviously, if the protections are extended, the cost of the policy increases, but there are also clauses that contribute to lowering the price, such as the exclusive guide.

It is difficult to establish in advance how much insurance for 50cc mopeds may cost. In fact, various factors contribute to determining the rate, from the age of the insured to the province of residence, from the class of merit to the age of the vehicle. The cost of moped insurance also depends on the number of ancillary guarantees and the inclusion of any limitation or extension clauses.For example, if you choose to extend the limit beyond the limits established by law or opt for the waiver of compensation, the cost of the policy increases. With an expert or exclusive driving formula the cost goes down. However, there are many ways to pay a less expensive premium, such as requesting the suspension of coverage in the case of non-continuous use, taking out a temporary policy at or km, or taking advantage, if the conditions are right, of family liability.
Since mopeds can be driven from the age of 14, the problem of insurance arises which in the event should be made out to the underage driver. Italian law does not prohibit a minor from owning a vehicle, regardless of whether they are of age to drive it and have the appropriate license, since legal capacity is acquired from the moment of birth. Therefore, even a newborn can be the owner of any vehicle (such as a house, land, etc.). For insurance, things are a bit different: it is not possible to make an insurance contract payable to a minor. Consequently, the policyholder must necessarily be an adult, for example a parent. However, the risk class is calculated on the basis of the owner of the vehicle and not the contractor of the motorcycle liability. A nice puzzle that can be overcome with the new family liability, which allows you to take advantage of the best class of merit in the family, even between vehicles of different types (eg a car and a motorcycle) and also to renew the policy. Provided, however, that they have not had guilty accidents in the last 5 years (and in fact, minors, who do not have such a large 'history', are having difficulty accessing family liability, despite the favorable opinion of the Ministry).