Guide to 125cc motorbike insurance
Key takeaways
125cc motorbikes still need to be insured to ride on UK roads, with policies ranging from third-party only to comprehensive coverage as with other vehicles
The cost of insuring a 125cc motorbike varies based on factors like the rider's age, bike's model, and chosen coverage level, with comprehensive cover generally being the most expensive
Cost-saving strategies for 125cc motorbike insurance include selecting the right coverage level, comparing quotes from different providers, securing discounts for safe storage, and enrolling in advanced riding courses
Do I need motorbike insurance for a 125cc?
In the UK, insurance for a 125cc motorbike is legally required just as with all other motorbikes. Riding without it can result in severe penalties, including hefty fines and points on your licence.
You can choose from the following insurance options:
Third Party
The minimum cover required. It covers damages to others but not to your bike or yourself.
Third Party Fire and Theft
Provides the same benefits. Additionally, it covers theft or fire damage to your motorbike.
Comprehensive
This protects your bike from damage and covers liability to others.
What is included in 125cc motorbike insurance?
When exploring 125cc motorbike insurance, it's crucial to understand the typical coverage options. Most insurers offer a range of standard coverage elements. They also provide several optional extras depending on your needs.
Standard coverage elements
Liability insurance: This is essential and covers costs if you're responsible for injuring someone or damaging property with your motorbike
Theft protection: Given the portability of 125cc motorbikes, theft coverage is vital to protect your investment
Damage cover: This includes repair or replacement costs if your motorbike is damaged in an accident
Optional extras
Breakdown cover: Offers assistance if your motorbike breaks down, helping you get back on the road quicker
Legal expenses: Useful if you need to cover legal costs from accidents or disputes related to your motorbike
Coverage can vary significantly between different insurers and specific policies, so it's important to compare what's included and what's considered an extra. This can affect both the protection you receive and the price you pay
How much does it cost to insure a 125cc motorbike?
The cost of insuring a 125cc motorbike varies widely and several key factors influence this, including the rider's age, experience, and location.
Younger riders often face higher premiums due to perceived inexperience.
Those in high-theft areas might also see increased costs.
The motorbike's make, model, and security features impact the cost - for example, high-performance bikes usually attract higher premiums.
Adding security measures like immobilisers can reduce these costs.
The chosen level of coverage affects the price. Third-party cover is generally the least expensive option. In contrast, comprehensive cover, which offers the most protection, will cost more.
How can I save money on 125cc motorbike insurance?
Compare quotes
Compare quotes with MoneySuperMarket from the best insurance providers on the market to find the deal that matches your requirements at the lowest price.
Select the appropriate coverage level
Tailor your insurance to your specific needs - over-insuring leads to unnecessary costs, while under-insuring leaves you vulnerable. Consider your riding habits, bike value, and personal needs.
Seek out discounts for secure storage
Insurers often offer discounts for secure motorbike storage. Invest in a quality lock, alarm, or garage to reduce your premiums.
Enrol in advanced riding courses
Advanced riding courses enhance safety and reduce insurance costs. Many insurers recognise these qualifications and provide discounts accordingly.