So you own a 125cc! Whether it’s a Supermoto, a scooter or a sports bike, the bad news is that you’ll need to buy motorbike insurance. But don’t worry, we can make it as easy and painless as possible to compare the prices and get you a great deal.
Getting your quotes
There are many different bike insurance companies in the UK so it can be hard to be sure you have a good value policy. But if you use comparethemarket.com for motorcycle insurance comparison, we should be able to find you a quote that’s the right price and level of cover.
Whether you need to compare motorcycle insurance or get a scooter insurance quote for your 125, we can help.
Just complete our quote form to see a list of bike insurance quotes. First you need to give us your name, address and the registration of your bike. If you haven’t bought the bike yet you’ll still need to enter some details to get a quote, so select the type of bike manually using our lists.
Next we’ll ask you for your marital status, employment status and an email address. Then we need to know a little about your riding history – whether you have a full or provisional licence and how long you’ve been riding.
Details about your bike
We’ll ask you for the current market price of your bike. Be as accurate as possible with this because it could mean your underinsured on your motorbike insurance Then there are just a few questions about the kind of bike insurance you need, and then you’ll see a list of motorcycle quotes for you and your 125.
They’ll be listed in price order with the cheapest bike insurance quotes at the top. The prices shown are the total annual price, but if you prefer to pay monthly these prices can be listed too. The table also shows you what’s included in the policy.
Let’s look at the different options.
If breakdown cover is included, you will be able to call for roadside assistance if the bike breaks down. It could be useful if you’re often far from home on your bike.
Motor legal protection could help you if you need to recover uninsured losses following an accident. For example if you are injured and unable to work due to an accident that wasn’t your fault. It could also help if you need to pay legal costs if someone makes a claim against you for an accident you caused.
If you have a few years’ no claims discount, you may want to protect it so that you can still keep the discount in future even if you make a claim.
Another option is personal accident cover, which means you could receive a lump sum if you are injured in an accident.
Some people also insure their bike helmet and leathers, as these can be costly to replace. Some policies include helmet and leathers cover, while others offer it as an add-on.
Reducing your premiums
If the prices are more expensive than you were hoping, there are a few things you could try.
First, try a higher voluntary excess in the box at the top of the page, as this should bring each bike insurance quote down. It basically means that you might get a cheaper policy, but if you do need to claim you will need to pay more at that point.
If that doesn’t work for you, you could look at third party, fire and theft policies. Again you just need to adjust the options in the box at the top of the page. Third party cover can be cheaper than fully comprehensive policies, but remember, they only cover the cost of damage to other people and property, not your own bike. This is more appealing if your own bike isn't worth very much, but if the difference between this cover and comprehensive insurance is small, you could get more protection with a comprehensive policy.
It’s also worth noting that some providers offer a discount if you have an additional riding qualification, say from the Institute of Advanced Motorcycling.
It might make your bike insurance policy cheaper if you drive other vehicles. Also bear in mind that fitting an approved security device to your bike could make your policy cheaper, as could parking it in a locked garage.
Always check the details
Once you’ve chosen the most suitable motorcycle insurance, click 'Go to provider' to buy the policy online. Make sure you understand all the details of the insurance before you buy it. It’s important to understand your level of cover and make sure you have everything you need covered.
And don’t forget, if you buy your policy by linking through from us, you will benefit from the fabulous MEERKAT MOVIES! You can get 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week for a whole year.* Whether you’re a Quadrophenia fan or Easy Rider is more your thing, we’re sure there will be some great movies for you to enjoy in the coming months.