insured for a passenger it does not mean you are licenced for one and without a FULL MOTORCYCLE LICENCE you cannot carry a passenger on a bike under any circumstances. A pillion passenger is not a third party but part of your party, the insurance is the second party and everyone else is a third party. Many insurers give an option to cover pillions now as a way to save a little money and it is often stated on the insurance documents somewhere. It will also state that the vehicle/bike must be being used in accordance with the law and that riders licence. I'm afraid you can't legally carry passengers when riding on a provisional licence. If you had a full car licence, then your CBT would allow you to ride a moped (50cc) as a full licence holder, so you could carry passengers and remove your L plates. This may account for the confusion about having a full moped licence. If you are going to carry passengers, then expect to get stopped by the police at some point (especially if you leave your L plates on!). I used to sometimes carry passengers on my moped when I was 16 but one day I was stopped by the police and received 3 points on my licence (and a fine) - that made the cost of my insurance shoot up! Plus, if you take your full car/bike test when you turn 17 and then get more points within two years (taking