I have a 31mph, 50cc because, like you, I wanted to get around / see friends / get to (part-time) job without paying £1.55 to go 2 miles into town, one way, every day. I wish to the Gods that I never bought it and had saved up for a 125. As has been stated, AFAIK, once you de-restrict a scoot you are driving (riding) otherwise in accordance with a licence, and if you crash and claim on your insurance, the second they see your scoot is de-restricted, they will leg it and you won't see a penny of the insurance. But anyway, if you are hell-bent on getting a scoot to de-restrict and spend enough money to buy a great 125 on making it go faster, then the Yamaha Aerox is reputedly the best for tweeking and making it go fast. Your looking at about 73mph downhill.