125cc Bike Insurance

Compare Insurance for a 125cc Motorbike

Many motorbike and motorcycle riders opt for a 125cc bike, because they tend to cost less than a bike with a more powerful engine – which means they’re often cheaper to insure as well. 

Younger riders in particular often favour 125cc motorbikes and motorcycles, because the motorbike licensing rules in the UK mean bike riders can ride a moped or scooter with up to a 125cc engine without having to hold a full motorbike licence, provided they’ve completed their Compulsory Basic Training (CBT).

How can I find cheap 125cc bike insurance?

While 125cc motorcycle insurance will often be cheaper than an equivalent policy for a 250cc or 500cc motorbike, there are still a few steps you can take to lower your premium even more.

Firstly, you should use Quotezone to compare 125cc insurance quotes from a range of different providers, which will increase your odds of finding a suitable 125cc motorbike insurance policy at a cheaper price.

In addition, the following steps could also help to reduce the cost of your 125cc bike insurance:

• Using a smart tagging solution to tag your motorbike: Vehicle tagging can often help to reduce insurance costs, provided you opt for an insurer-approved tagging solution like Alphadot or Smartwater.
• Parking your 125cc in a garage: Almost 30,000 motorbikes are stolen each year in the UK, which means a lot of insurance providers are willing to offer riders cheaper 125cc bike insurance quotes if they increase their bike’s security by keeping it in a locked garage.
• Paying annually: Paying for your 125cc motorbike insurance on an annual basis is usually a little cheaper than paying it off monthly.

Common 125cc bike insurance questions

How much does 125cc insurance cost?

The price you’ll pay depends on your age, postcode, claims history, the cover level you choose and how you use the bike. Smaller engines like a 125cc are usually cheaper to insure than a 600cc or 1000cc sports motorcycle, because lower-powered bikes are generally ridden at lower speeds and are involved in fewer high-severity collisions. Comparing 125cc motorbike, motorcycle and bike insurance quotes from several UK providers is the simplest way to see what you’ll actually pay.

Do I need a full motorbike licence to insure a 125cc bike?

No. Once you’ve passed your Compulsory Basic Training (CBT), you can ride a 125cc on UK roads without a full motorbike licence (GOV.UK). You’ll need L-plates and you can’t carry a pillion passenger, but you can take out a 125cc motorbike insurance policy as a CBT-only rider. A1 and A2 licence holders, plus full A licence holders, can also insure a 125cc. The engine size, not your licence type, is what defines the policy.

Is 125cc motorbike insurance the same as 125cc motorcycle insurance?

Yes. UK insurers and comparison sites use motorbike, motorcycle and bike interchangeably for the same product. Quotezone shows you 125cc cover from the same panel of UK providers regardless of which spelling you searched for. Pick a policy on price, cover level and excess, not on the wording.