Yes, you do. It's a legal requirement to have at least third-party insurance before riding on UK roads.

To ride on the road as a learner, you must have insurance, a provisional licence, and have passed your CBT. You cannot legally ride without all three.

While you're not required to carry your insurance documents with you constantly, you must provide them to a police officer upon request - either on the spot or within 7 days by presenting them at a police station.

If you're caught riding without valid insurance, you could face a fine, penalty points on your licence, or even have your bike seized by the police.

To get motorcycle insurance quotes for learner cover, you'll need a few details including:

• Your bike's registration number (or details of the bike you're planning to buy)

• Your date of birth

• Your postcode

• Your CBT certificate details (date passed)

• Your provisional licence details

• How you'll use the bike (social riding, commuting to work/college, etc.)

• Your estimated annual mileage

• Where you'll keep the bike overnight

• Details of any previous claims, convictions or accidents (even from driving a car)

Don't worry if you haven't got all this to hand - request a callback and we'll help you through it.

Yes, absolutely. We insure learner riders from 16 to 75 - whether you're a teenager on your first bike or an adult learning later in life.

If you're 16, you can ride a moped under 51cc after passing your CBT. Once you turn 17, you can ride a motorcycle or scooter up to 125cc.

We understand that learner riders can struggle to find competitive insurance. That's why we've spent 25+ years building expertise in this area, with specialist schemes for learners of all ages.

If you're aged 16-25, you might also want to check out our young rider insurance page.

It depends on your age and the type of motorbike licence you hold.

If you're 16: After passing your CBT, you can ride a moped under 51cc with smaller engines and a maximum speed of 28mph. You must display L plates and can't carry passengers.

If you're 17 or over: After passing your Compulsory Basic Training, you can ride a motorcycle or scooter up to 125cc with a power output of up to 11kW. You must display L plates and can't carry passengers or ride on motorways.

Your CBT certificate is valid for 2 years. If you haven't passed your practical test within that time, you'll need to retake it

We need you to own the bike (or be the registered keeper) to insure it. If you're buying a bike, you can get insurance set up to start from the day you pick it up.

If you're just researching prices before buying, request a callback and we can give you an idea of costs based on the bikes you're considering. This can help you budget and choose a bike that's competitive to insure.

Remember, you'll need a valid provisional licence and a CBT certificate to get insurance. If you want to understand costs before buying, we can talk you through quotes for different bikes you're considering.

Generally, yes - learner rider insurance tends to cost more than insurance for experienced riders. This is because insurers see learners as higher risk due to lack of riding experience.

At Lexham, we don't just see you as a statistic. We look at each learner rider individually, which is why some of our customers are surprised at how competitive our quotes are.

If you're aged 16-25, you might want to check our young rider insurance page for more tips on getting competitive rates.

As a learner, there are several things that can help reduce your premium:

• Fitting additional insurance-approved trackers to your bike can provide discounts. Keep your bike in a secure garage or premises overnight if possible. Mechanical locks are a policy requirement.

• Accruing your no claims bonus is the single most efficient way of building up discounts on your insurance quote. Avoid points on your licence.

• You could choose a higher voluntary excess to lower your insurance premium. However, take care in ensuring you would still be able to afford the excess should a claim arise, and that the value of the excess does not exceed the value of your vehicle.

Request a callback and we can talk through more ways to lower your premium.

Unfortunately, no. Car insurance no claims bonus and motorcycle no claims bonus are kept on separate policies. You can't transfer one to the other.

However, some insurers (including us) may take your car insurance driving record into consideration when calculating your learner bike insurance quote - especially if you have a clean driving history.

Once you start riding, you'll begin building your motorcycle no claims bonus, which will help reduce your premiums year on year.

No. If you're riding as a learner with L plates, you're not legally allowed to carry passengers. This applies whether you're on a moped under 51cc or a 125cc motorcycle.

Once you've passed your full licence test, you can legally carry passengers – but you will need to add pillion cover to your insurance policy.

If you're just riding to and from one workplace or college, standard commuting cover is fine.

But if you're doing delivery work (food, parcels, etc.), you'll need specialist delivery rider insurance with Hire and Reward cover.

Request a callback if you're not sure what you need.

Your Compulsory Basic Training certificate is valid for 2 years. If you don't pass your practical test for a full licence within those 2 years, you'll need to retake your CBT to continue riding with L plates legally.

You should tell your insurer when you retake your CBT and update your policy with the new certificate details.

If your CBT expires and you don't retake it, you won't be legally allowed to ride - and your insurance won't be valid if you do.

Congratulations! Once you've passed your full motorcycle test and received your full licence, you need to let us know straight away so we can update your policy.

Passing your test is a change in circumstances that affects your insurance. Your premium might go down (because you're no longer a learner), but it depends on various factors including what licence you've passed (A1, A2 or full A) and whether you're planning to upgrade to a bigger bike.

You can update your details through the Lexham insurance app, on the Lexham Portal or by calling us.

Yes, through either the Lexham Insurance App (available for iPhone and Android) or through the Lexham Portal on our website.

You can view your documents, renew your policy, update your details, make changes to your cover, and even report claims. It's available 24/7.

Yes, we're based in Diss and Thetford. Having a UK-based team means you're speaking to people who understand UK roads, and we're around during normal UK working hours.

You can reach us Monday to Friday, 8.30am to 7pm, and Saturday, 9.30am to 4.30pm.

Our claims line is open 24 hours a day, 7 days a week, 365 days a year, serviced by Lancaster Gate Assistance.

Whether you've had an accident at 3am or need to make a claim on a Sunday, you can get through to someone straight away.

We've been insuring mopeds, scooters and motorcycles for over 25 years.

In that time, we've built expertise in small-capacity bikes, young and learner riders, urban commuters, and delivery riders. That experience means we understand what two-wheeler riders need.