Licensing, Registration and Insurance Requirements
To ride legally in Bermuda you need the correct licence for the class of vehicle, valid registration for the machine, and appropriate insurance. Learner riders must comply with any restrictions that apply to their licence class, and riders should carry the required documents when riding. Registration ties the vehicle to a registered owner and must be kept current; riding an unregistered or uninsured vehicle is an offence. Insurance is not optional - third-party cover protects others if you cause injury or damage, and without it you may face penalties and personal liability. Traps: questions that suggest insurance is optional, that a licence for one vehicle class covers all classes, or that registration and licensing are the same thing (they are not - one is the rider, the other is the vehicle). Another trap is forgetting that a vehicle must be roadworthy and correctly registered before it can be used, and that lending your bike to an unlicensed or uninsured rider can leave you liable. Keep documents accessible and renew before expiry.
Worked rule of thumb: Before riding, confirm three things - licensed rider, registered machine, valid insurance. If any one is missing, you are not legal to ride.