UK 125cc Motorbike Insurance

125cc motorbike insurance guide

Obtaining 125 cc Bike Insurance is a requirement under UK law to operate one of these small motorcycles on the road. These small displacement vehicles on average have a top speed of 70 mph and can get up to 100 MPG. If you only use your bike during the summer months, you may wish to consider pay as you go motorbike insurance, as it should work out cheaper. When searching for a good deal on bike insurance, take time to check out the specialist providers in this sector. These include MCE insurance, Principal and Bennets motorcycle insurance services.

One of the reasons for the growing popularity of these small bikes or mopeds is the operator does not have to pass the UK motorcycle licence test. All that is required is to pass the Compulsory Basic Training (CBT) test.

We cover all types of 125 bikes. This category comes in many guises including scooters, classics and replicas.  Insurance is available for drivers age 17,18 and 19 all the way to age 70. 

The minimum age to take and pass the CBT is 17. This licence is only good for 2 years. After that, the rider can retake the CBT or take the regular motorcycle driving and theory tests provided by the UK Government.

What type of 125cc Bike Insurance is required by UK law?

Under UK law the minimal coverage required to take a vehicle on the road is Third Party.

How do I reduce my UK 125cc bike Insurance premium?

• The first thing is to limit your mileage on the bike. By having a low upper limit in terms of mileage in your insurance policy, your premium will be lowered.
• Take and pass the full UK motorcycle driving test and obtain a motorcycle license. 
• Keep your 125 cc bike in a secure location when not in use. The best place is in a locked garage.
• Install a theft deterrent device.
• Avoid riding in high crime areas.
• Avoid modifications: Modification, however minor, may invalidate any existing insurance and will likely increase the cost of cover, compared to the factory standard model. We advise checking with your insurance provider before making any changes to your motorcycle. 
• Consider increasing the voluntary excess : This will cost you more in the event of a claim if you are at fault, but your 125cc motorbike insurance policy could be cheaper. Set aside the excess amount so you will have available should the need arise,
• Drive safely and avoid claims: Building up a good no claims history is a sure way to get a better deal. Unfortunately, for under 25 motorcycle insurance, this may not be an option until you have a few years riding experience under your belt. When you apply for over 50s motorbike insurance with a good history of driving, you will be rewarded with more affordable options.
• Limit use : If you are a summer biker or a lover of classic bikes, you may find that a pay as you go bike insurance policy could be a cheaper alternative to traditional annual cover.

Riding a 125cc motorcycle is fun and can be a liberating experience. By having a right type of licence and the proper level of insurance is not only the law, but the safest and least problematic so your riding experience can be joyful and not full of complications. 

Failure to have the minimum CBT licence and accompanying CBT insurance can result in a fine of up to £1,000 and 6 points will be added to your driving licence once you pass it. Driving without the proper 125 cc bike Insurance can result in a fine up to £5,000.

Popular UK125cc bikes available on the market

Some of the best-selling 125cc motorbikes as always are Japanese, but Chinese models are making serious inroads and include the following: 

How is 125cc bike insurance different for qualified riders and those of us still learning?

Similar to 50cc bikes, to ride a 125cc motorbike or scooter, you do not need a full biker’s licence. You will need at a minimum a provisional licence, and you must have passed your CBT test. The CBT test must be taken every 2 years until you pass your motorcycle theory test and obtain a full licence.

Compare Insurance UK Providers of 125cc Motorbike Insurance

Whatever the model Honda XL125, Suzuki RV125 or the Yamaha YZF-R125 we can provide you with a tailored quoted and an option to add extras.

125 cc UK Motorbike Insurance FAQs

In general, most insurance products get cheaper as you age. In the case of over 50s Motorcycle insurance, for example, the risk to the insurance provider is reduced. This is backed by an actual reduction in terms of the number and size of claims made by bike riders over 50 and beyond

The panel of specialist Insurance providers that we have access to are able to provide motorbike insurance to all ages. If you need to compare the cost for over 60’s, spend a few minutes to complete the quote form and see how much you could save on your over 60s motorcycle insurance.