what your insurance states It is what your drivers licence states that counts. You drivers licence is in two parts, a plastic part and green counterpart. Unless you have actually taken and passed both parts of a moped driving test your plastic portion of your licence will have provisional written all over it. You know you have not taken a driving test so you know you cannot carry pillion passengers. Trying to twist the wording of an insurance policy to suit your needs is not going to work. Insurance companies issue insurance certificates. The DVLA issue driving licences. Your insurance company cannot give you a full moped licence. Provisional = Learner. As a provisional licence holder you may not carry pillion passengers. Even if your insurance company have made a mistake and given you a policy that covers you carrying pillion passengers you may not carry pillion passengers. You are not licensed to do so. No you do not have a full moped licence unless you have passed a car test in which case then you do but that is impossible as you are 16 If you have to apply L plates to a bike to legally ride it on the road then you cannot carry a passenger. If you have to have a CBT to ride on the road on anything over 50cc then you cannot carry a passenger - the laws are not worded like this but none the less it is a fact. Even if you are