How much to insure a 125cc motorcycle?

If you're planning to hit the road on a 125cc motorcycle, one of your first questions might be, "How much does it cost to insure a 125cc motorcycle?" Insurance is a legal requirement and protects you, your bike, and other road users. However, the cost of insurance can vary greatly depending on several factors.

Below, we explore what affects the cost of insurance, typical prices, and tips to save money on your 125cc motorcycle insurance.

What Factors Impact the Cost of 125cc Motorcycle Insurance?

Insurance premiums are influenced by numerous factors, including:

1. Engine Size

  • A 125cc motorcycle is more powerful than a 50cc scooter, which means higher premiums. However, it's still significantly cheaper to insure than higher-capacity motorbikes due to lower speeds and reduced risk.

2. Age of the Rider

  • Younger riders (under 25) pay more for insurance because they're considered higher risk due to limited road experience.
  • Older, more experienced riders often enjoy cheaper premiums.

3. Usage of the Motorcycle

  • Social Use: If you only use your bike for leisure, your premiums will be lower.
  • Commuting or Business Use: Using your motorcycle for work purposes increases premiums due to higher mileage and risks.

4. Level of Cover

There are three main levels of motorcycle insurance:

  • Third Party Only: Covers damage or injury to others but not your bike. It’s the cheapest option but offers minimal protection.
  • Third Party, Fire and Theft: Adds coverage for your bike if it's stolen or damaged by fire.
  • Fully Comprehensive: Covers everything, including damage to your bike regardless of fault. It’s the most expensive option but provides peace of mind.

5. Location

  • Riders in urban areas or locations with high crime rates pay higher premiums than those in rural areas.

6. Claims History

  • If you’ve built up a no-claims bonus, your insurance premium will be lower. Avoiding claims over several years can significantly reduce costs.

7. Security Features

  • Adding security measures like immobilisers, alarms, and secure parking can reduce premiums by lowering the risk of theft.

8. Annual Mileage

  • Insurers consider how much you ride. Lower mileage reduces risk and can result in cheaper insurance.

How Much Does 125cc Motorcycle Insurance Cost?

The cost of insurance for a 125cc motorcycle varies depending on the above factors. On average:

  • New or young riders can expect to pay around £1,000 per year.
  • Experienced riders with a good no-claims bonus may pay as little as £300–£500 annually.

Paying monthly is an option to make costs manageable, but be aware that this usually incurs additional fees.

Tips to Lower the Cost of 125cc Motorcycle Insurance

To reduce your insurance costs, consider these strategies:

1. Volunteer a Higher Excess

  • Opt for a higher voluntary excess to reduce your premium. Ensure you can afford this amount if you need to make a claim.

2. Choose the Right Level of Cover

  • While Third Party is the cheapest, weigh the risks and benefits of higher coverage like Third Party, Fire and Theft or Comprehensive.

3. Improve Security

  • Install security features such as ground anchors, alarms, and immobilisers. Park your bike in a secure garage to deter theft.

4. Limit Annual Mileage

  • Declaring lower mileage reduces your risk profile and may lower premiums.

5. Take an Advanced Riding Course

  • Completing additional training demonstrates responsible riding and can qualify you for discounts.

6. Compare Insurance Quotes

  • Use comparison sites to find the best deal tailored to your needs. This site searches a network of insurers to source the cheapest and most suitable quotes.

Why 125cc Motorcycles Are Popular

The 125cc motorcycle is a top choice for new riders due to its balance of power, affordability, and lower insurance costs compared to larger bikes. It’s ideal for commuting, learning, and recreational use.

Get Your 125cc Motorcycle Insurance Quote Today

Finding the best insurance for your 125cc motorcycle doesn’t have to be difficult. Use an online comparison tool to get tailored quotes in minutes. Apply today for a free, no-obligation quote and start saving on your motorcycle insurance!

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