In California Motorized Bicycles and Mopeds are considered one and the same when it comes to the laws. The idea is to use the right terminology when it best serves.
“Yes sir officer I have an identification card for my Motorized Bicycle, no my Motorized Bicycle is not insured, see it says right here in the vehicle code 406 that my insurance policy may not provide coverage for accidents involving the use of this “BICYCLE”. When I asked my insurance agent about coverage he just laughed and told me he doesn’t know of any insurance company that offers insurance for a Bicycle with a helper motor”.
Or
“Hi Mr. insurance broker sir I need a quote to insure my MOPED. It’s a 1977 Peugeot that I just finished restoring. After making sure all of the lights and safety equipment work like new I finally got the registration paperwork squared away and received a new MOPED license plate from the Department of Motor Vehicles. Now I just need to show the DMV proof of liability insurance so I can take the driving skills test to get that M2 endorsement added to my drivers license”.
So yeah it’s not surprising when someone says their insurance guy just laughed after they described how a hopped up 2 stroke engine on their bicycle created a 50mph death machine that takes a city block to stop with a coaster brake, then ask how much will it cost them to insure this “Motorized Bicycle”.
If you go to purchase your Moped insurance online there’s a few things that can slow up or stop the process from going through. If the make and model is not in their data base and there is no provision to write in, and entering a VIN that doesn’t align with the year model, which is usually only a problem with a newer 17 character VIN.
In 1981, the NHTSA standardized the format requiring all on-road vehicles sold to contain a 17 character VIN number.
https://en.m.wikipedia.org/wiki/Vehicle_identification_number
Remember the DMV will process the Reg 230 form using whatever VIN you provide them regardless of the number of characters.
https://www.dmv.ca.gov/portal/wcm/
Also the Reg 230 form doesn’t ask for a year model but when you apply for Moped insurance they do.
Since most people just use the serial number from their bicycle frame and add an e for the engine number they end up with a non standardized VIN regardless of the actual year of manufacture. It’s not hard to imagine why the majority of (insured) motorized bicycles (Mopeds) running around out there have a date of manufacture prior to 1981. Nothing wrong with that.
Moped Resources
http://www.myronsmopeds.com
Moped Parts Supplier; 1977 Mopeds
http://m.1977mopeds.com/item/3430333531
Moped Parts Supplier; Treatland
https://www.treatland.tv/puch-tank-badge-sticker-p/puch-tank-badge.htm
Moped Army
https://www.mopedarmy.com/forums/read.php?1,2786923,2930256#msg-2930256
Progressive Insurance
https://www.progressive.com/motorcycle/moped-insurance/