Pillion Cover

Ensuring you’re covered to carry passengers.

08 Feb 2021

The excitement and thrill that comes with finally getting to ride a motorcycle is unmatched, so it’s natural that you’d want to take friends or family along for the ride. However, before you do it’s essential that you ensure your insurance covers you for any passengers that you take.

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What is pillion rider insurance?


Motorbike insurance pillion cover is designed to cover you for any passengers you may wish to carry on your motorcycle. There’s always a lot of responsibility involved if you agree to take someone along for the ride – considerably more than there would be in a car.

If you know that you will be carrying passengers, it’s best to pick the insurance policies that cover this from the get to. In order to qualify for pillion cover, you will require a full moped or motorcycle license – riders with a provisional licence are legally not allowed to carry any passengers.

Many insurance policies will cover other riders and passengers, but if you’re unsure, it’s best to check with your insurer.

When can I carry a pillion?


If you have your full motorcycle licence and no longer require an L plate for your bike, you are permitted to carry passengers on your motorcycle. Whilst there is no law clearly stating a minimum age for motorcycle pillion passengers, they must wear a suitably constructed and well fitted helmet, and must be capable of sitting correctly and securely on a proper seat attached to the motorcycle.

You can carry passengers on a 120cc and 125cc motorbikes, but for bikes with a higher engine size you may be required to take additional tests.

Do I need insurance to carry a pillion?


Carrying a passenger on your motorcycle is a big responsibility, and so in order to be able to legally do this you will need pillion cover insurance.

This type of insurance is designed to cover you if you are involved in an accident with your passenger, or your passenger is injured. It’s an essential type of cover to have, especially handy in emergency situations. If you don’t have the right insurance to carry passengers you run the risk of voiding your motorbike policy and gaining points on your licence.

Motorcycle insurance pillion cover isn’t always included as standard and so you may have to add it on for a fee if you need it.

Top Motorbike Insurance FAQs:

What factors affect my insurance price?

Just like with car insurance, the cost of motorbike insurance is affected by a range of factors. These include:

  • Your age
  • What type of bike is being insured
  • Any previous convictions or bike insurance claims
  • How much and how you plan to use your motorbike
  • What level of insurance coverage you want
  • Where you park your bike
How can I make my motorbike insurance cheaper?

You can usually reduce your premium by making changes to the level of coverage you have, opting for just third party cover rather than comprehensive, for example. Other factors can also bring down the cost of motorcycle insurance, including reducing how often you ride, adding security locks to your vehicle, and downgrading to a bike with a smaller engine.

Can I transfer car no claims bonus to a motorbike?

This varies between insurers but, generally, you won’t be able to transfer your car no claims bonus to a new motorbike insurance policy.

Does motorbike insurance cover me to carry passengers?

Most motorbike insurance policies these days won’t include pillion cover, meaning that you’re uninsured to carry passengers. However, some insurers might still include it in