Learner motorbike insurance

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Comparing learner motorbike insurance

Unlike learner drivers, as a learner biker you can take to the road on your own on a bike up to 125cc, depending on your age.

All you’ll need is a provisional licence, a Compulsory Basic Training (CBT) certificate, L-Plates (L or D-Plates in Wales) – and motorbike insurance.

What learner motorbike insurance do I need?

Motorbike insurance is a legal must, no matter your age or size of bike you own.

As a learner rider, you’ll need standard motorcycle, moped or scooter insurance.

Just like car insurance, there are three levels of cover to choose from:

  • Third party – the most basic type of cover that you need to legally ride on the road. It covers injuries to another person and damage to their vehicle, but not to you or your bike.
  • Third party, fire and theft – as well as third party protection, you’ll also be covered if your bike is stolen or damaged by fire.
  • Fully comprehensive – the highest level of cover which includes cover for damage to your bike or injuries to you. In most cases, it will also cover the cost of a replacement bike if yours is written off in an accident.

Why is learner rider motorbike insurance more expensive?

You’re less experienced and are considered more of a risk on the road, which is why you can expect to pay more for your insurance as a learner rider.

If you’re a young rider just starting out, your premiums are bound to be higher. That’s because, statistically, riders between the ages of 16-24 are more likely to have an accident on the road.

According to Compare the Market’s latest data, 50% of young riders between 16-17 years old could achieve a quote of £736**** a year for their motorcycle insurance.

Find out what else can affect the cost of your motorbike insurance.

****50% of young riders between 16-17 years old could achieve a quote of £735.78 per year for bike insurance based on Compare the Market data in November 2020.

Frequently asked questions

What bikes can I ride on a provisional licence?

Once you’ve completed a CBT course, you can ride a:

  • moped up to 50cc if you’re 16 or over
  • motorbike or scooter up to 125cc if you’re 17 or over

You must also use L-Plates and have valid motorbike insurance in place.

What bikes can I ride on a full licence?

You’ll need to pass a theory and practical test to get a full licence. The licence you can get will depend on your age and the power of the bike you want to ride:

Once you’ve held your A2 licence for two years, at 21 you can apply to get a full A licence. This will entitle you to ride a motorbike of any size. If you don’t have an A2 licence, you’ll have to wait until you’re 24 before you can get a full A motorbike licence.

How do I apply for a provisional licence?

You can apply for a provisional licence from the DVLA online. To apply you must be:

  • At least 15 years and 9 months old
  • Capable of reading a number plate from 20 metres away

A first provisional licence costs £34 if you apply online or £43 when you apply by post. It should take about a week to arrive if you apply online.

What is CBT?

Compulsory Basic Training isn’t actually a test that you can technically pass or fail. But it’s a course that you do have to successfully complete to show that you can ride safely on the road while preparing for your full licence.

A CBT certificate lasts for two years. If you don’t want to take a full moped or scooter licence test and want to continue to ride on your provisional licence, you’ll need to renew it every two years.

You can be fined up to £1,000 and get as many as six penalty points if you ride without a valid CBT certificate.

How can I cut the cost of my learner motorbike insurance?

There are some things that could help to lower the cost of your premium:

  • Keep your bike safely parked overnight, off the road and in a garage or on a driveway
  • Avoid any modifications that could increase your bike’s speed or value
  • Add a more experienced rider to your policy – just make sure you’re named as the main rider
  • Keep your mileage down – the less time you spend on the road, the less likely you are to have an accident
  • Shop around and compare a range of quotes before deciding on a policy

How can I compare learner motorbike insurance?

Comparing quotes through us couldn’t be easier and only takes a few minutes. Just give us some details about you and the bike you want to insure. We’ll also need to know how long you’ve been riding for and whether you hold a full or provisional licence.

Ready to get out on the road?

How much does motorbike insurance cost?

50cc bike insurance** from
£335
£125cc bike insurance*** from £556 Young rider bike insurance**** from £736

***50% of people could achieve a quote of £334.71 per year for their 50cc bike insurance based on Compare the Market data in November 2020.

****50% of people could achieve a quote of £555.59 per year for their 125cc bike insurance based on Compare the Market data in November 2020.

**50% of young riders between 16-17 years old could achieve a quote of £735.78 per year for bike insurance based on Compare the Market data in November 2020.

Start a quote

What do I need to get a quote?

To get a quote, you’ll need to answer a few basic questions about you and your bike, including:

  • Your name, age, address and job
  • The type of licence you have
  • Your riding history including any claims and convictions
  • Your average annual mileage
  • Bike details including make, model, age and value

Once we have the details we need, we’ll show you a list of suitable quotes for learner riders.

Dan Hutson

From the Motor team

What our expert says

“If you’re only just starting out and haven’t bought a bike yet, it might be a good idea to compare 50cc and 125cc engines. Opting for a smaller engine at first could mean paying less for your insurance premium.”

Why use Compare the Market?

Get a quote in 4^^ minutes  We compare prices for 26^^^ bike insurance products   93.8% of users would recommend Compare the Market to friends or family ^^^^ 

^^On average it can take less than 4 minutes to complete a Motorbike insurance quote through Compare the Market based on data in November 2020.

^^^Correct as of November 2020

^^^^For the period 1st September to 30th November 2020, 12,477 people responded to the recommend question. 11,706 responded with a score of 6 or above, therefore 93.8% are likely to recommend

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