Get competitive motorbike insurance for riders aged 16-25. Whether you're 16 on your first moped or 17 starting on a 125cc, we understand the challenges young riders face. With over 25 years of specialist expertise, we're here to help.
Get competitive motorbike insurance for riders aged 16-25. Whether you're 16 on your first moped or 17 starting on a 125cc, we understand the challenges young riders face. With over 25 years of specialist expertise, we're here to help.
Enter your bike registration
Tell us about your CBT and riding plans
Get immediate young rider insurance quotes
Don't have all the details yet? No problem. Request a callback and we'll talk you through what you need.
You can renew your moped or scooter insurance policy simply and conveniently on the Lexham insurance app (available for iPhone and Android) or on the Lexham Portal.
Enter your bike registration
Tell us about your CBT and riding plans
Get immediate young rider insurance quotes
Don't have all the details yet? No problem. Request a callback and we'll talk you through what you need.
You can renew your moped or scooter insurance policy simply and conveniently on the Lexham insurance app (available for iPhone and Android) or on the Lexham Portal.
We know that insurance can feel expensive when you're a young rider. Whether you're 16 and just passed your CBT, or 17 and saving for your first 125cc, finding cover that fits your budget can be challenging.
As a specialist broker with over 25 years of experience insuring young riders aged 16-25, we understand the pressures you face. Unlike aggregator sites, we support you from quote to claim – with real people in our UK offices in Diss and Thetford who understand what young riders need.
We've spent over 25 years insuring thousands of young riders – from 16-year-olds on 50cc mopeds to 25-year-olds on their first big bikes. We understand the young rider experience: tight budgets, high premiums, and parents trying to help.
We focus on small to mid-capacity bikes – the 50cc mopeds and 125cc motorcycles that most young riders start on. This specialisation means we can offer competitive quotes where other insurers might not.
We also understand parent involvement. Many of our young rider policies involve parents who own the bike or help with payments, and we can talk you through how to set this up correctly.
We work with our own dedicated claims handlers right here in our UK office, with claims administered on behalf of Lexham by Marble Arch. This means:
More flexibility. We assess your individual circumstances and riding history; we don't just tick boxes.
Direct relationship. Speak to the people who handle your claim.
Our team is here from start to finish.
For a young rider making their first claim, having someone explain the process clearly can make all the difference.
24/7 claims serviced by Lancaster Gate Assistance
UK-based team available Mon-Fri 8.30am - 7pm, Sat 9.30am - 4.30pm
Live chat support for questions about young rider insurance
Manage your motorcycle insurance policy easily online via our app or portal
What you can ride and insure depends on your age. Here's what you need to know:
Once you've passed your CBT, you can ride a moped under 51cc with a maximum speed of 28mph.
What you need:
Insurance (that's us!)
A provisional licence
Passed your CBT
Restrictions:
You must display L plates
You cannot carry passengers
Your CBT is valid for 2 years
Cost consideration: 50cc mopeds are generally more competitive to insure than 125cc bikes.
New to riding? Check out our guide to getting your CBT
Once you've passed your CBT at 17 or older, you can ride motorcycles and scooters up to 125cc with a power output up to 11kW.
What you need:
Insurance (that's us!)
A provisional licence
Passed your CBT
Restrictions:
You must display L plates (until you pass your test)
You cannot carry passengers (until you pass your test)
Your CBT is valid for 2 years
Cost consideration: Japanese brands like Honda and Yamaha are often more competitive to insure than European sports bikes.
Still learning? Visit our Learner Rider Insurance page.
If you've passed your motorcycle test, what you can ride depends on your licence type:
A1 licence (17+): Up to 125cc, 11kW
A2 licence (19+): Up to 47bhp
A licence (24+, or 21+ with 2 years A2): Any bike
You won't need L plates and you can carry passengers.
What happens to your premium: Your insurance may come down after passing your test, but it depends on whether you're upgrading to a bigger bike. Let us know as soon as you pass so we can update your policy.
Need help working out what cover you need? Request a callback and we'll talk you through it.
To get the motorbike insurance policy best suited to you, it's important to understand the types of insurance you can get. Consider the level of cover for your needs. If you're unsure, we can help.
This is the most extensive level of motorcycle insurance cover. Comprehensive motorbike insurance includes:
Damage to your own bike and any third party from accidents – whether it's your fault or not
Fire damage and theft
Compensation for your damaged vehicle (replacement only if less than 1 year old and policy terms apply)
As the name suggests, it's the most comprehensive cover for your vehicle.
This level of cover offers more protection than Third Party Only. It covers you for:
Injury to other people, or damage to vehicles or property in the case of an accident
Theft or attempted theft of your bike
Fire damage to your moped or scooter
If you're responsible for an accident, third party fire and theft (TPFT) doesn't cover the cost of repairing or replacing your vehicle.
This is the minimum legal cover in the UK. It covers you for:
Any damage you cause to someone else’s property or person.
It doesn't cover damage to your own moped or scooter or injury to yourself. It also won't cover the costs of replacing your vehicle if it's stolen, or fire damage.
We offer optional add-ons to enhance your young insurance policy. Discover more about upgrades and extras
We know insurance can feel expensive when you're a young rider. Your premium depends on several factors and understanding these can help you find a competitive quote.
Make, model and engine size (mopeds under 51cc with smaller engines are usually more competitive to insure than 125cc bikes)
Age and value of the bike
Any modifications (these will increase your premium)
Security devices fitted (trackers can provide discounts)
Note: Smaller bikes like 50cc mopeds and 125cc motorcycles are generally more competitive to insure than larger bikes. Japanese brands like Honda and Yamaha often have competitive insurance rates.
Your age (16-year-olds typically pay more than 20-year-olds as insurers see younger riders as higher risk)
Where you live and where you store the bike overnight (storing in a secure garage or premises reduces premiums)
Your riding history (any accidents, convictions or penalty points – even from driving a car)
Annual mileage and how you use the bike (social use, commuting to college/work, or both)
Whether your parent or guardian owns the bike
Whether you've passed your CBT or full test
As a young rider, insurers see you as higher risk because of your age and lack of riding experience. But at Lexham, we assess each young rider individually to offer competitive quotes, without compromising on your cover.
Getting additional cover is simple. Discover add-on options to enhance your young insurance policy below.
Breakdown assistance to get you back on the road
Discover more >
A monetary benefit for your injuries in a road accident, depending on level of cover.
Discover more >
Covers the excess when making a claim, depending on the level of cover.
Discover more >
Cover the cost of damage to your helmet and leathers up to £1,000.
Discover more >
We understand taking out motorbike insurance can seem complicated, but we're here to help. Discover answers to some of our most-asked questions from young riders below.
If you want to know about...
Yes, absolutely. Even at 16 years old, you must have at least third-party insurance to ride legally on UK roads. This surprises many parents and young riders, but it's the law.
To ride on the road, you must have three things:
Insurance (that's where we come in)
A provisional licence
Passed your Compulsory Basic Training (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.
If you're caught riding without valid insurance, you could face a fine, penalty points, or even have your bike seized by the police.
To get motorcycle insurance quotes for young rider 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, but here’s the important bit: if you’re the one riding the bike the most, the insurance needs to be in your name.
Why?
Because you’ll be building up your no claims bonus
Having your parent as the main person on the policy won’t make it cheaper. The policy is based on the youngest rider.
This prevents fronting. This is when someone puts their parent down as the main rider, even though they’re actually the main one using the bike. This is insurance fraud.
So, what are your options?
If you own the bike or are the main rider, the insurance needs to be in your name.
If your parent actually owns the bike and you’re not the main rider, they can take out insurance with you as a named rider.
Parents helping with payments? That’s no problem at all. They can set up the direct debit from their bank account.
Need further explanation? Request a callback and we can help you figure it out properly.
If you’re the main rider, get your own policy, Here’s why:
You’ll build your own no-claims bonus (i.e. a great way to get discounts on your insurance in future years)
It avoids fronting. If you pretend your parent is the main rider when it’s actually you, that’s insurance fraud, and means you won’t be covered.
We price based on the youngest rider, so having your parent as the main person doesn’t lower costs.
Still confused? Request a callback and we’ll walk you through it.
We’re always happy to advise on your young rider motorcycle insurance . Discover more expert guidance below.
Lexham Insurance Consultants Ltd are authorised and regulated by the Financial Conduct Authority, firm reference number: 303917.
Lexham Insurance Consultants Ltd is a company registered in England, Company No. 3897329, registered address: Unit 21, Hopper Way, Diss, Norfolk, IP22 4NG.
