125cc bike insurance

  • Buy 125cc bike insurance from £530 per year**
  • Enjoy a whole year of Meerkat Meals & Meerkat Movies*
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**51% of people could achieve a quote of £529.23 per year for their 125cc bike insurance based on Compare the Market data in March, 2022.

125cc motorbike insurance explained

Insurance for 125cc bikes is the same as car insurance. There are three levels of cover to choose from: 

  • Third party – this most basic type of cover is a legal requirement. It covers damage to another person’s property and injuries caused to them, but not to you or your bike.  
  • Third party, fire and theft – the same as third party, but it can also provide additional cover if your bike is stolen or damaged by fire.  
  • Comprehensive – this includes all the above features, plus cover for accidental damage to your bike. In most cases, it will also cover the cost of a replacement bike if yours is written off in an accident. It could also provide personal accident cover, but it doesn’t always, so you need to check the t’s and c’s with your provider.

A 125cc motorbike offers a cost-effective way to get on the road. Whether it’s a Supermoto, scooter or sports bike, they’re cheap to run and insurance doesn’t have to cost the earth.  

We’ve made comparing 125cc motorbike insurance quotes online as fast and painless as possible. 

You’re in great company as a 125cc bike rider. There’s lots of reasons to love this mode of transport, and cheaper insurance is just one of them.

What is a 125cc bike? 

A 125cc bike is a small motorbike or scooter with a 125cc engine.  

With a top speed of around 60 mph, 125ccs are ideal for getting around the city, while still being capable of handling some longer journeys on bigger roads.  

Averaging around 70-100 miles per gallon, 125cc bikes are economical to run, which makes them particularly popular with younger and learner riders.

Can I ride a 125cc motorbike on a provisional licence? 

125cc bikes can be ideal for learners aged 17 or over, as you can ride one on a provisional licence. It’s perfectly legal to ride a 125cc once you’ve completed your Compulsory Basic Training (CBT), as long as you have L-plates and insurance.

The CBT isn’t a test that you pass or fail. It’s a course designed to make sure you can ride safely on the roads on your own. The course, which includes on-site and on-road training, usually takes a full day to complete.  

A CBT certificate is a legal requirement if you ride on a provisional licence. If you don’t have a valid CBT, you could be fined up to £1,000 and get up to six penalty points. Also, be aware that you can’t ride on motorways or carry passengers on a provisional licence.  

You can hold a provisional licence and keep riding your 125cc bike for as long as you want, without taking the full licence test. However, you will have to retake and complete the CBT every two years. 

The bad news is that even if you’ve been riding for years on a provisional licence, you’ll still be considered a learner, which  can push up your insurance premium. 

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

Frequently asked questions

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

If you’re using a provisional licence, you may find that your premiums are more expensive than a rider with a full licence.  But there are other things that affect the cost of your insurance too, including:

  • Your age – younger riders will pay more than the average, as insurance providers see them as riskier
  • Where you live – the amount of crime in your area can affect your premiums
  • The amount of mileage you do – the more you ride, the more likely you are to have an accident
  • Your job – some jobs are considered riskier than others
  • Your voluntary excess – the excess is the payment you make towards a claim on your insurance. Your policy will have a compulsory excess set by the insurance provider, and a voluntary excess chosen by you on top of that. A higher voluntary excess can mean lower premiums, but you’ll need to be able to afford to pay it if you make a claim.

See more on what factors affect the cost of motorbike insurance.

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’re looking for something in particular, check the policy inclusions carefully.  

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 (also known as no-claims bonus protection) – this varies between providers. Typically, it allows you to make one or two claims before the number of no-claims bonus years reduces. It doesn’t always mean your premium won't increase after an accident, though. 
  • Personal accident cover  - you could receive a lump-sum pay-out if you’re injured in an accident and this puts you in financial difficulty. Check the level of cover offered is suitable for you, however, as it can vary between providers. 
  • Helmet and leathers cover  – this can insure your essential, expensive gear if it’s damaged in an accident and you need to repair or replace any of it. 

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 could 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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How much does 125cc motorbike insurance cost?

You could get 125cc bike insurance for £530** Young riders could get bike insurance for £912***

**51% of people could achieve a quote of £529.23 per year for their 125cc bike insurance based on Compare the Market data in March, 2022.
***51% of young riders between 16-17 years old could achieve a quote of £911.73 per year for bike insurance based on Compare the Market data in March, 2022.

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What do I need to get a quote? 

To get a 125cc motorbike insurance quote, we’ll need  standard information including your  name, address and bike make, model and reg. We’ll also need your  marital status, employment status and email address. 

We’ll also need a few other details: 

  • 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.
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Why use Compare the Market?

We compare prices for 21^^ bike insurance products 92.0% of users would recommend Compare the Market to friends or family^

^^Correct as of March, 2022.
^For the period 1st June to 31st August 2021, 8944 people responded to the recommend question. 8,226 responded with a score of 6 or above, therefore 92.0% are likely to recommend.

Dan Hutson

From the Motor team

What our expert says

"Some insurance providers will charge a larger compulsory excess if you're an inexperienced rider. That's the sum you'll have to pay towards a fault claim. However, there are ways of cutting the cost of your 125cc bike insurance. Keeping your bike secure and mileage low could help reduce the cost of your premium, as could shopping around and comparing quotes."