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CBT Insurance

Ride on your provisional licence by comparing CBT Insurance quotes from over 25 great UK providers to get the right insurance in place.*

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What is CBT Insurance?

CBT Insurance is one of several names used in the UK for insurance policies that cover riders who hold a provisional licence, having completed their Compulsory Basic Training – hence the name, CBT Insurance. Other names that you might see used for these policies include: Learner Rider Insurance and Provisional Licence Motorcycle Insurance.

When do I need to take out Insurance?

You do not need insurance to take your Compulsory Basic Training (CBT) for motorbikes or mopeds in the UK. The training school providing the CBT will have its own insurance to cover learners during the course.

However, once you have completed the CBT and are riding your own motorbike or moped on public roads, you will need to get at least third-party insurance. This applies even if you are riding on a provisional license after completing the CBT.

In summary:

  • During the CBT: Insurance is provided by the training school.
  • After the CBT: You need to arrange your own insurance before riding on public roads.

What are the specific features of CBT Insurance?

CBT Insurance is designed to reflect the requirements and restrictions of riding on a Provisional Motorbike Licence in the UK. This means that the policy will have a number of features that differ from standard Motorbike Insurance, including:

Engine Size Limitations
Limits the rider to motorcycles or scooters with an engine size of 50cc to 125cc. This reflects the legal restriction on what you can ride with a CBT certificate.

    L-Plates Requirement
    Riders must display L-plates (or D-plates in Wales) on their motorcycle or moped. Failure to display L-plates can invalidate the insurance.

    Restrictions on Motorways and Passengers
    Riders with a provisional license cannot ride on motorways and are not allowed to carry passengers. These restrictions are reflected in the insurance policy, which may not cover motorway riding or passenger-related incidents.

    How long will I need CBT Insurance for?

    You will need this kind of insurance all the time you are riding on a provisional licence. Once you take and pass your full motorcycle test, you will need to take out a standard policy for Scooter Insurance or Motorbike Insurance.

    However, it is important to remember that you can only ride on public roads with a valid CBT Certificate, and CBT Certificates expire after two years.

    Does that mean that my Provisional Motorcycle Licence is only valid for two years?

    No – the relationship between the licence and the CBT Certificate is a bit more complicated than that. In short, your provisional motorcycle licence remains valid, but your riding privileges depend on keeping your CBT up to date – here is a basic summary of how it works in the UK:

    Provisional Motorcycle License:

    • Your provisional motorcycle license itself remains valid as long as your standard driving license remains valid. It doesn’t expire after two years.
    • You can use your provisional license to learn to ride motorcycles or mopeds, but you must complete a CBT course to ride on public roads.

    Compulsory Basic Training (CBT):

    • The CBT certificate you receive after completing the course is valid for two years.
    • If you haven’t passed your full motorcycle test (either the A1, A2, or full A license, depending on your age and bike type) within those two years, you must retake the CBT to continue riding on your provisional license.

    Summary:

    • The provisional motorcycle license doesn’t expire after two years, but your ability to legally ride on public roads depends on the validity of your CBT certificate, which does expire after two years.
    • If your CBT expires, you need to retake it if you want to continue riding with L-plates and under the conditions of your provisional license.
    • You can keep retaking the CBT as many times as needed, but passing the full motorcycle test (theory test, module 1, and module 2) will allow you to ride without the restrictions that come with a provisional license and CBT.

    CBT Insurance

    Ride on your provisional licence by comparing CBT Insurance quotes from over 25 great UK providers to get the right insurance in place.*

    No registration details? No worries!
    Get CBT Insurance quotes by Make and Model here >

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    *Here4Insurance have partnered with Quotezone.co.uk to help you save money on your CBT Insurance. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, Floor 4 Blackstaff Studios, 8-10 Amelia Street, Belfast, BT2 7GS. We are an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Their registered number is 313860.