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Understanding Compulsory Basic Training (CBT) Insurance

So, you're all set to embark on your two-wheeled adventure – got your eyes on that sleek motorcycle, your helmet polished, and the road calling your name. But before you rev that engine, there's a key aspect you should know about: Compulsory Basic Training (CBT) and the motorbike insurance that comes with it.

CBT is your ticket to the road. It's a mandatory course for new riders in the UK, designed to ensure you have the basic skills and understanding to ride safely. This training allows you to ride a 50cc moped at age 16 and a 125cc motorbike or scooter from age 17. And while you're zipping through the lanes learning the ropes, CBT insurance is your safety net. It's there to cover you during your CBT training and provides a layer of protection if the unexpected happens. Whether it's damage to the bike, injury, or any mishap during your training, this insurance has your back.

Why Do You Need CBT Insurance?

The law is clear: you can't ride without CBT if you're a learner. And here's the thing – you need insurance, too. It's not just about obeying the rules; it's about safeguarding yourself. Accidents can happen to the best of us, especially when we're still getting the hang of things. Having insurance during your CBT course means you're prepared for the unexpected.

What Does CBT Insurance Cover?

CBT insurance typically covers the basics – damages to the motorbike you're using during your training, injury to yourself or others, and third-party liabilities. However, it is important to note that there are three distinct coverage categories, each with its coverage area. They include;

  • Third-Party Only Insurance: This type of insurance is the minimum legal requirement for riding a moped or motorcycle on UK roads. It covers liabilities for injury to other road users, people or damage to their property. However, it does not cover damages to your bike or injuries you sustain.
  • Third-Party, Fire, and Theft Insurance: Besides covering third-party liabilities, this insurance policy also includes protection if your motorcycle or moped is stolen or damaged by fire. It still doesn't cover personal injuries or damages to your vehicle caused by an accident. 
  • Comprehensive Insurance: This is the most extensive coverage. It includes third-party liabilities, theft, fire, and it also covers damages to your own vehicle in case of an accident. It often includes additional features like personal accident coverage, medical expenses, and sometimes coverage for accessories or gear.

Finding the Right CBT Motorbike Insurance

Now, this part requires a bit of research. Not all insurance policies are created equal. You want one that fits your needs and your pocket. Some training centres may offer insurance as part of their package, while others might require you to engage independent insurance providers. Take your time to explore options and compare quotes to find a policy that ticks all the boxes and the necessary insurance requirements.

Cost of CBT Insurance

The CBT insurance costs can vary based on several factors, such as your age, riding experience, the type of motorcycle you plan to ride, and the insurance provider you choose. Younger riders or those with less experience might face higher insurance premiums due to perceived higher risk.

However, shopping around and comparing quotes from different insurance providers can help you find a policy that fits your needs and budget. Keep in mind that while costs might be a concern, having the right insurance coverage is crucial for your protection and compliance with legal requirements.

How long do you need to have Compulsory Basic Training (CBT) Insurance?

CBT insurance is usually arranged on a temporary basis. Typically, it lasts for as long as your CBT certificate remains valid. Your CBT certificate is valid for two years from the date you complete your CBT course.

Most insurers offer short-term policies that align with the two-year validity of your CBT certificate. This means you can usually get insurance coverage for periods ranging from a few days to a full two years.

But once those two years are up, and you're still keen on riding, you'll need to level up. You'll have to either pass your full motorcycle test or renew your CBT. If you pass the full test, you're expected to progress to a full motorcycle licence, and the insurance options change accordingly.

*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in August 2023 were quoted less than £194.60. The price you could
achieve is dependent on your individual circumstances.

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