Do You Need Pillion Passenger Cover On A Moped?
If you plan to carry a passenger, check that your moped insurance includes pillion use. Do not assume it is included just because you have road cover.
If you are arranging cover now, start with moped insurance and check the policy wording for passenger use.
You also need to check whether you are legally allowed to carry a passenger and whether the moped is designed for one.
What The Highway Code Says
Highway Code rules for motorcyclists say provisional licence holders must not carry a pillion passenger.
The same rules say you must not carry more than one pillion passenger. The passenger must sit astride the machine on a proper seat, face forward and have both feet on the footrests.
The motorcycle, scooter or moped must also be designed to carry a pillion passenger.
Insurance Is A Separate Check
Even if the law allows you to carry a passenger, your insurance still needs to include that use. Some policies may include pillion cover. Others may ask you to add it or may restrict passenger use.
If your policy does not match how the moped is used, your insurer may reduce or decline a claim.
Susan's note: Pillion use is one of those details riders can forget. Check it before the passenger gets on, especially if you changed policy or bike recently.
What About CBT Riders?
CBT riders are usually riding on provisional entitlement. That means carrying a pillion passenger is not normally allowed.
If CBT is part of your riding position, check the CBT insurance page and official rules before carrying anyone.
The passenger also needs a suitable helmet. That is a legal safety requirement, not an optional extra.
What To Check Before Carrying A Passenger
- Your licence category
- Whether you are riding on provisional entitlement
- Whether the moped has a proper passenger seat
- Whether passenger footrests are fitted
- Whether your policy includes pillion cover
- Whether the passenger has a suitable helmet
For scooter-style machines, scooter insurance may also be worth checking because passenger use can depend on the vehicle and policy wording.
FAQs
Can A CBT Rider Carry A Pillion Passenger?
Usually no. Provisional licence holders must not carry a pillion passenger.
Does Every Moped Have A Pillion Seat?
No. The moped must be designed to carry a passenger, with a proper seat and footrests.
Does Moped Insurance Include Pillion Cover Automatically?
Not always. Check the policy wording before carrying a passenger.
Does The Passenger Need A Helmet?
Yes. Highway Code rules say riders and passengers on a motorcycle, scooter or moped must wear a protective helmet.
