CBT Insurance

What can you ride after CBT?

In Great Britain, a learner who has completed CBT can generally ride a moped from age 16, or a motorcycle up to 125cc and 11kW from age 17, with the appropriate licence entitlement. L plates are required, or L or D plates in Wales. CBT does not give you a full motorcycle licence.

These learner rules are separate from an insurer’s eligibility criteria. A bike being within the CBT limits does not mean every insurer will cover that bike or rider.

Check GOV.UK’s CBT guidance for the rules and exemptions that apply to your licence. Northern Ireland has its own guidance: see nidirect’s CBT information.

Do you need insurance for the CBT course itself?

Ask the training school what insurance is included when you use one of its bikes, and about any excess or damage charges. Do not assume that the school’s arrangements will insure your own bike or your riding after the course.

If you want to bring your own bike, confirm the school’s requirements and arrange suitable insurance. You must also be legally entitled to ride it to the course. For a first CBT, arrange transport rather than assuming your course booking allows you to ride there. GOV.UK explains the rules for taking your own bike.

Which level of cover should you compare?

Look at the benefits and the total cost of each quote, rather than assuming that the least extensive cover will always be cheapest.

• Third party: covers liability to others, subject to the terms, but not damage to your own bike.
• Third party, fire and theft: adds protection for theft and fire damage to your bike, subject to the terms.
• Comprehensive: also covers damage to your own bike, subject to the excesses, exclusions and limits.

Check the compulsory and voluntary excess together, particularly for theft claims. Compare any security requirements and whether accessories, helmet and leathers, breakdown assistance or legal expenses are included or optional. An excess you cannot afford to pay may make a cheaper premium less useful.

What affects the price of CBT insurance?

Insurers assess details such as your age, address, riding experience, bike, claims history, mileage and where you keep the bike. Quotes can differ even for riders with the same model. Completing CBT does not produce a fixed price or guarantee a discount.

Describe how you will use the bike accurately. Commuting may need to be added to social use, while paid deliveries need appropriate delivery cover. Tell the insurer about modifications and use any declared security measures as required by the policy.

What will you need to get a quote?

Have your bike’s registration or make and model, licence details, CBT completion date, claims and convictions history, expected mileage and parking information ready. Choose a start date that gives you cover before you ride.

If you have not completed CBT yet, describe your current position accurately and ask the provider when cover can begin and what evidence it needs. Do not enter a completion date that has not happened.

Does insurance last as long as your CBT?

The dates are separate. A policy does not automatically last for the two years associated with CBT. Check your insurance start and end dates, as well as your CBT expiry date.

Learners in Great Britain must pass their full test within two years of completing CBT, repeat CBT or stop riding. Renewing insurance does not extend a CBT certificate. If your entitlement to ride changes, speak to the insurer before riding again.

What happens when you pass your full test?

Tell your insurer when your licence changes and ask whether your policy needs updating. Do the same before changing bike or the way you use it. A full licence may affect a quote, but it does not guarantee a lower premium.

Use the quote form to compare the cover available for your circumstances, then check the policy documents before you buy.

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Here4Insurance helps you compare quotes for a range of different types of insurance. When looking at CBT insurance or any other cover, it can help to compare the cover levels, exclusions, excesses, eligibility rules, optional extras, cancellation terms, payment options and prices available from different providers before deciding what fits your circumstances.

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