Why choose Bikesure Insurance for your 125cc motorcycle?
Whatever 125 you ride, you’ll be looking for a bargain on your insurance cover. Bikesure policies are bespoke to the exact needs of you and your machine.
There are many benefits and optional extras available with our 125cc motorbike cover. Here are just a few:
- Discounted premiums for riders with no claims bonus
- Motorbikes with modifications and customisations covered
- Agreed value option for custom and modified motorbikes
- Easy payment options available including direct debit – even for 17 year olds (subject to the instalment plan being taken out by a parent/guardian)
- Legal cover up to £100,000 included as standard
- Riders with motoring and criminal convictions covered
- Insurance to ride any bike from £29.99
- Helmet and leathers cover from £29.99
- Keycare insurance cover from £19
What insurance do I need for a 125cc motorbike?
The minimum insurance you need to ride a 125cc motorcycle is third party only. This covers compensation for injury or damage caused to other people and their property.
Third party, fire and theft offers the same benefits as third party only, but provides additional cover if your bike is damaged by fire or stolen.
Fully comprehensive motorbike insurance covers damage you cause to a third party or their property and will cover you if your motorbike is stolen or damaged by fire.
If you own more than one motorcycle, then Bikesure can also help you get a multiple bike insurance quote at a single low price.
How much does 125cc bike insurance cost?
The cost of your 125cc insurance depends on a number of factors, including your previous riding history, where you live and how you’ll use your bike. As 125s are relatively low powered compared to bikes with larger engines, they can be fairly cheap to run.
You can begin to reduce your insurance premium with a no claims discount which will begin to build after 12 months of claim free riding. You can also agree to pay a higher excess, which is the sum you agree to pay in the event of making a claim.
Take a look at our Case Studies on some of the quotes we’ve given other 125cc riders. Depending on your history and a number of other factors, you can get an annual quote from as little as £93.
Why choose a 125cc motorbike?
125s come in all shapes and sizes – the only real similarity between them being that they are all 125cc. From scooters to cruisers, replicas to enduros, whatever style of bike you like, you can find an affordable 125cc model to suit.
Ideal for 17 year olds, these learner legal motorbikes can be ridden at stage one of the ‘staged access’ system, meaning you can be road legal through passing only your CBT. This provides the perfect middle ground between scooters and more powerful bikes.
Whether you ride a 125cc bike as an economical commuting vehicle, for weekend ride-outs or simply as a stopgap until you pass your tests, with our 125cc insurance you can enjoy all the benefits of these learner legal motorbikes while keeping costs down.
What’s not covered by 125cc motorbike insurance?
Your 125cc motorbike insurance policy normally excludes passengers. For that you will need specific pillion cover, but only if you have a full licence. Your insurance also probably excludes other riders from using your bike and it won’t provide track day cover. You will need separate track day insurance for that.
Modifications will also usually be excluded from your 125cc insurance cover – but you can take our modifications insurance for any mods you want to make.
What is a 125cc motorbike?
A 125cc motorbike has an engine chamber of 125 cubic centimetres. The size of the engine chamber affects the power that can be generated. A 125cc engine is modest and therefore relatively lower powered.
Can I take a passenger on a 125cc motorbike?
You are prohibited from taking a passenger on a 125cc motorbike unless you have appropriate pillion passenger cover. You can only get this if you are fully licensed.
If you are riding a 125cc motorcycle with a CBT licence, you cannot ride on the motorway as you do not have a full motorcycle licence. It is illegal for a rider to ride on the motorway with L plates and an incorrect licence and you could face a hefty fine or punishment for this.
Read more about the limitations and requirements of riding a 125cc in our blog on UK motorcycle licences.
Can I ride a 125cc motorbike on a motorway?
You can ride a 125cc motorbike on the motorway if you have a full licence. You are prohibited from the motorway if you still have your L-plates on and are driving on your CBT licence.
Can I ride a 125cc motorbike on a car licence?
If you have a car licence, you will still need to take your CBT before riding a 125cc motorbike. When you pass your CBT and display L-plates you will be able to ride for two years, at which time you will have to retake the training. If you want to ride a larger, more powerful motorcycle you’ll need to take your motorcycle test.
Learn more in our blog Can you ride a motorbike with a car licence?
Do I need insurance for my 125cc motorbike?
It is law to have, at the very least, third party only cover when riding a 125cc motorbike on the public roads. Riding without insurance is illegal and can result in a number of penalties, including a ban and fine. You also risk having the bike confiscated and destroyed.
What are the benefits of owning a 125cc motorbike?
They are learner legal bikes meaning you can ride them with L-plates and a CBT licence. They are also very economical, easy to manoeuvre and are a good bike on which to practise and gain experience.
What type of licence do I need to ride a 125cc motorbike?
A Category A1 licence covers small motorcycles with a cylinder capacity of no more than 125cc.
What insurance do I need to take my CBT?
If you take your CBT on a bike belonging to a training centre, you will be covered by the centre’s insurance. If you do your CBT on your own 125cc bike, you’ll have to sort out your own insurance. The minimum requirement is third party only cover.