125cc bike insurance


Compare 125cc bike insurance from £440/year** & get Meerkat Meals & Meerkat Movies*

Compare 125cc bike insurance from £440/year** & get Meerkat Meals & Meerkat Movies*

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**50% of people could achieve a quote of £439.88 based on Compare the Market data in May 2018

Frequently asked questions

  • What information do I need to get an insurance quote?
  • Does the type of licence I have affect my insurance cost?
  • What are the possible differences between motorbike policies and what comes as standard?
  • Can I get 125cc motorbike insurance with a provisional licence?
  • 125cc motorbike insurance on a full licence

What information do I need to get an insurance quote?

As well as the standard stuff – your name, address and bike make, model and reg – we’ll also ask for your marital status, employment status and email address.

This is the stuff you might not know by heart:

  • the year your bike was manufactured

  • any modifications added after manufacture

  • the value of your motorcycle and the date you bought it, if you’re a new owner

  • how long you’ve had your full or provisional motorbike licence

  • any claims or convictions

  • any additional riders, and details of any claims and convictions they may have had

  • any special security devices you carry or have had fitted to your motorbike

Does the type of licence I have affect my insurance cost?

Yes, it does. As with all types of insurance, the more experience you’ve got, generally the cheaper your policy – it’s all about how much of a risk you are on the road. 

What are the possible differences between motorbike policies and what comes as standard?

Different insurance providers offer different options. In some policies these will be included as standard but for others they may be a policy add-on. If you are looking for something in particular check carefully. For example your 125cc motorbike insurance policy can include:

  • Breakdown cover – you’ll be able to call for roadside assistance as a minimum if your bike breaks down

  • Legal expenses insurance – if you’re involved in a road accident and need to make a claim, or if a driver makes a claim against you, this could cover all or some of the legal costs

  • No claims discount protection – this varies between providers, but generally it allows you to make one or two claims before the number of no claims bonus years reduces, but it won't always mean that your premium won't increase after an accident.

  • Personal accident cover - you could get a lump sum if you’re injured in an accident and this puts you in financial difficulty. This option can provide financial help in such a situation. Check the level of cover offered is suitable for you as it can vary between providers.

  • Helmet and leathers cover – this can insure your essential, expensive biker’s gear if they are damaged in an accident and you need to repair replace them.

Can I get 125cc motorbike insurance with a provisional licence?

125cc bikes are perfect for learners, so you might only have a provisional licence. It’s perfectly legal to ride a 125cc after doing Compulsory Basic Training (CBT) as long as you have L-plates.

You can hold a provisional licence and keep re-taking the CBT (every two years) for as long as you want without taking the full licence test.

The bad news: Even if you’ve been riding for years on a provisional licence, you’ll still be considered a learner, which pushes up your insurance premium.

The good news: You can still earn a no claims discount on your provisional licence, so all those years do count for something.

125cc motorbike insurance on a full licence

If you’re over 17 and you’ve passed your CBT, motorbike theory and practical tests, you’ll be the proud owner of a full A1 licence.

You can potentially get a cheaper price on your insurance by taking extra riding qualifications. These show providers that you have the riding skills and awareness that can reduce the risk of an accident. You’ll have to compare the costs to see if this is worth the extra effort in the long run. See more in our guide to Reducing motorbike insurance by taking training courses.

Bike or scooter, learner or old hand, there’s a great value 125cc insurance policy waiting for you.

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