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50cc motorbike insurance

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¹Correct as of February 2026

Do I need 50cc bike insurance?

You need insurance to ride a 50cc motorbike even if you’re 16 and don’t hold a full driving licence yet.

To ride a 50cc moped or motorbike on the road, you must also:

Have a provisional driving licence

Display learning plates until you hold a drivers licence

Ensure the bike is taxed and has a valid MOT

Have a provisional driving licence

Have completed the CBT course

These requirements aren't strictly limited to 50cc motorbikes, though. The government says these restrictions apply to 'mopeds with a speed range of 25-45km/h' (roughly 16-28 mph). As long as your motorbike conforms to that speed limit, you don't necessarily have to have a 50cc engine.

What our motorbike insurance expert says

"One of the biggest costs of riding a motorbike is your annual insurance. Many factors can affect the price, such as your age, riding experience, and whether you have a full licence. If you’ve only recently passed your Compulsory Basic Training (CBT), your insurance might be on the higher side. Spending some time working towards your full licence could help bring the cost down."

Louise Thomas Motor Insurance Expert

Find the right cover for your 50cc motorbike

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What does 50cc bike insurance cover?

This depends on your level of cover, but a comprehensive policy covers you for:

Damage to your bike or moped in the case of an accident, even if the rider is at fault
Fire damage to your bike
Repair or replacement if stolen or damaged
Damage or injury that you cause to another person, vehicle or property

What is not covered by 50cc bike insurance?

A standard, comprehensive policy typically does not cover:

Modifications to your bike - you must declare any modifications to your provider
Riding under the influence of alcohol
Theft of your motorcycle if you left it unlocked or with keys in it
General wear and tear to your bike

Different types of motorbike insurance

When you're buying motorbike insurance, you need to decide which level of cover to choose. You have these 3 options:

Third-party only: This covers the costs payable to other people or vehicles involved in an accident, but none of your own. This means you have to pay for any damage to your motorbike.
Third-party, fire and theft: This offers the same level of cover as third party only, but with additional cover if your vehicle is stolen or damaged by fire.
Comprehensive: This is usually the highest level of cover available, and should pay out the cost of any damage to your vehicle. It also covers third-party claims made against you following an accident.

Optional extras for your 50cc motorbike insurance

Motorcycle breakdown cover: gives roadside help if your bike breaks down, with some policies also including recovery, home start, or onward travel.
Helmet and leathers cover: protects your bike gear if it’s stolen or damaged in an accident.
Pillion cover: can offer extra protection for your passenger if they’re injured, though they still need to wear a helmet and protective clothing.
Personal accident cover: gives financial support to you or your family if you’re injured or die in an accident, with levels of cover varying by insurer.
Legal expenses insurance: this covers the cost of legal fees related to an accident that was not your fault.
No claims discount (NCB) protection: this preserves your NCB even if you make a claim that you were at fault.

How to get cheaper insurance for a 50cc bike

Shop around: Compare providers with Confused.com to find the cover you need at the best price.
Pay annually: You can usually save money by paying for your insurance in one lump sum rather than monthly, as instalments often include extra fees.
Increase your excess: This is the amount you pay if you make a claim. Just make sure the figure is affordable in case you need it.
Check your mileage: Overstating your mileage can make your insurance more expensive. Keep it accurate and tell your insurer if your usage changes.
Improve your security: Store your bike in a secure shed or garage if you can. If not, consider extra security like D locks, alarms, or immobilisers.

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Share the make and model of your 50cc bike, any modifications, and how you plan to use it.

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Choose the cover that suits you, add any extras you need, and you’re ready to purchase your policy.

Why choose Confused.com?

100% independent: We’re not owned by an insurance company, so the prices you see are based on your information, not who they’re from.
FCA regulated: just like the 36¹ motorbike insurers we work with, we follow strict guidelines, so using our site means you’re in safe hands.

UK-based support:Our Cardiff-based team is here to help if you need assistance. Check our contact page for ways to get in touch.
Always free to use: Browsing our site costs you nothing. Once you buy a policy, the insurance company pays us a fee for bringing them your business.

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Reviewed by Louise Thomas Motor Insurance Expert Updated on 11 September 2023