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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

Legal requirements for driving 50cc motorbikes

One of the most appealing aspects of 50cc motorcycles in the UK, is that you can usually ride one from the age of 16.

Even better, while you do need insurance to ride a 50cc motorbike, you don’t need a full driving licence.

There’s a detailed breakdown of the regulations and restrictions around riding motorbikes in this flowchart from GOV.UK, but in short:

Most 50cc motorbikes and mopeds are legal for road use by riders aged 16 and over in the UK
The minimum legal requirement to ride a 50cc motorbike is a provisional licence and completion of the CBT
You need to display L plates on your motorbike until you reach 17 and complete the practical and theory riding tests to get your motorbike licence.

Find the right cover for your 50cc motorbike

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What does 50cc bike insurance cover?

Usually covered:

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

Not usually covered:

A standard, comprehensive policy typically does not cover:

Modifications to your bike, which must be declare 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 gets stolen or damaged in an accident.

Pilon 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.

Types of bike insurance

Motorbike insurance

Can offer you protection on the road. Whether your ride is a scooter, a classic, a superbike or something else, we can help you find your next policy.

Classic motorbike insurance

Cover for modern classic or vintage motorbikes.

Multi bike insurance

Get a multi bike quote to cover all of your bikes on the same policy.

Trike insurance

Protection for your three-wheeled pride and joy.

Quad bike insurance

For those riding on four wheels for sport, agricultural or fun.

Off-road bike insurance

Specialised protection for off-roading, green-lining, dirt and trial bikes.

Need more help?

Can I ride my 50cc motorbike on my car licence?

Yes, if you passed your driving test before the 1st of February 2001. You can read the regulations in full on the GOV.UK website.

What is a CBT and do I need one?

Compulsory Basic Training (CBT) is legally required before you can ride a 50cc bike on the road. If you passed your driving test before 1 February 2001, you can ride a 50cc bike without L plates and without taking a CBT or moped test. If you passed after this date, you must complete a CBT before riding a 50cc bike without L plates.

Confused.com motorbike insurance is administered by Vast Visibility Ltd who are authorised and regulated by the Financial Conduct Authority under firm reference number 566973. Vast Visibility Ltd is registered in England & Wales No. 05866769 at office: 8 Princes Parade, Liverpool, L3 1DL. Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission from Vast Visibility Ltd which is a percentage of the total commission if you decide to buy through our website. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.

Reviewed by Louise Thomas Motor Insurance Expert Updated on 01 April 2026