Written by Graham Cutbill-White
Smaller motorcycles are incredibly popular for riders of all ages, but especially for younger riders and those newer to the road. Thanks to their low price tag and all-round accessibility, a 125cc bike is a great introduction to the world of motorbikes.
Another part of the 125cc’s appeal is that you don’t need a full motorcycle licence to ride one – this means it’s ideal for riders who only use a bike or travel occasionally.
Yes, you must still be covered to ride a 125cc out on the roads. Even if you only ride occasionally you must be properly insured to use the bike. Riding without insurance is illegal and can result in a number of penalties and you risk having the bike confiscated and potentially crushed.
And just as a 125cc motorcycle is perfect for anyone borrowing a bike or wanting to travel occasionally in warmer weather, temporary cover is the easiest, most affordable way to get 125cc bike insurance and ensure you’re on the right side of the law.
From bike insurance for a day, all the way up to motorcycle insurance for 7 days, riders aged 17-70 can get comprehensive cover and flexible policies for a range of everyday situations. Get a quote quickly and easily online and be covered in minutes, or find out more about our insurance for other types of bike.
125cc bikes are the choice of many riders because they’re usually the first bike you’re allowed to ride. Other than mopeds and small 50cc bikes, most young riders’ first experience will be on a 125cc.
You’re able to travel on one when you turn 17, as long as you have a valid CBT certificate (which lasts for two years if you haven’t taken your full test) and appropriate bike insurance for younger riders.
If you haven’t taken your full motorcycle test, you must have L-plates on your bike and you’re not allowed to carry passengers.
Once you’ve passed your theory and practical motorbike tests and hold one of the different license types , you won’t have to worry about these restrictions.
If you want to take to the road on a 125cc bike, you could take out an annual policy. This would make a lot of sense if the bike is yours and you use it a lot.
But if you don’t use the bike very often, or it doesn’t belong to you, getting out an annual policy could prove very expensive. The bike’s owner could add you to their policy, but they’d have to pay a mid-term adjustment fee just to do it, and may well see their premium go up as a result. Not to mention the risk you’d pose to any no claims discount they have.
There’s a lot of information that goes into your 125cc insurance price, and what you pay will depend on things like your age and where you live.
Cheap 125cc motorbike insurance is usually easier to find because they’re less powerful than most bikes, but if you’re a young rider you might find your premiums are more expensive. As an average, you can expect to pay at least £465 per year for an annual policy on your 125cc.
While many people use a motorcycle every day, a lot of riders only hop on occasionally or when the weathers good.
If you’re only using your bike to travel every now and then, you shoulder the type of insurance you’re buying. Forking out a years’ worth of cover when you only ride a few days a year is a huge waste of money.
But through a temporary motorbike insurance policy, you only pay for the cover you need for a duration that suits you.
Like with annual insurance products, the price you pay for your temporary policy depends on many factors. These are analysed by the insurer and your risk (the likelihood that you’ll have to make a claim) is determined using data and previous industry experience.
Unfortunately, this may mean you pay more because of accidents other riders with similar details have had in the past, but it can work in your favour as well.
Your occupation may be deemed as high risk which could increase your policy price, but at the same time you could live in a low-risk location and save money on your premiums.
What is certain though, is that if you only use the bike very occasionally, temporary cover should save you money. While the theoretical cost per day is higher with temporary insurance than an annual policy, you can simply arrange it for whichever days you need it. That could mean you pay far, far less in the long run.
Whichever option suits you best, there are a number of ways to reduce the cost of your motorcycle insurance.
Passing your full test will show insurers that you have a basic level of riding ability and have at least some experience of riding on the road.
Although you’ll be riding a bike than anyone aged 17 and with CBT can ride, passing your motorcycle test will usually get you some sort of discount on your premiums.
You can also try advanced rider training for more experience and to potentially save even more money.
Smaller bikes – like a 125cc engine motorcycle – are extremely popular for thieves, so it’s incredibly important to store your bike safely and securely.
Keeping your motorcycle in a locked garage overnight will drastically reduce the chances of it being stolen and that will help keep the cost of your 125cc bike insurance premium down.
It’s also worth investing in high-quality security when parking your bike elsewhere. Insurers will appreciate the extra security of a good alarm system and immobiliser and will probably reward you with a discount.
Increasing the amount you’re willing to pay towards a claim can reduce the overall cost of your insurance premium, as insurers won’t have to pay as much towards the total cost of a claim.
While this is a great idea when it comes to buying your policy, make sure that you can actually afford to pay the excess if the time comes.
Not paying the excess will stop a claim being processed and could cost you thousands of pounds in the long run.