125cc Motorbike Insurance

Finding your 125cc Motorbike Insurance

We've been bike insurance specialists for over 80 years, so why not get a quote for your 125 bike today?

We are committed to offering you our best price from a panel of specialist UK insurers. Having insurance in place means that you can embark on your motorcycle journey with confidence, adding optional extras to get the level of cover you feel is appropriate for your needs. We’ll send your documents immediately by email, so you can get straight out and ride! We are always here to help with our 24/7 claim notification line should you need it.

You can get a quote online in just a few minutes or you can call our friendly team on 0345 872 3614.

Do I need insurance for my 125cc motorbike?

When it comes to whether you need insurance for your 125cc motorbike, the answer is yes. It is a legal requirement in the UK to have insurance for your motorbike, regardless of its engine size. Accidents can happen unexpectedly, and having insurance in place can protect you from financial burdens in case of damages, theft, or accidents involving your 125cc motorbike.

What does 125cc Motorbike Insurance cover?

It’s for you to decide on the level of cover you want. We offer a variety of cover levels from fully comprehensive, third party fire and theft to third party cover only. And you can enhance your policy further with optional extras, which may offer additional peace of mind. We’ve a handy choice of bundled options too, that offer costs savings when taken as the specified package. You can see options here. If you’d like to discuss these in more detail, our friendly team will be more than happy to assist. Just give us a call on 0345 872 3614.

How much is 125cc Insurance?

The cost of 125cc motorbike insurance can vary based on several factors, such as your location, riding experience, the make and model of your bike, and your driving history. At Devitt, we strive to offer our best price from the specialist insurers we work with, which will be based on the information you provide to us. Your premium will also be affected by the extent of cover you require and whether you choose to include additional covers for your own peace of mind.

What will affect my 125cc motorbike insurance premium?

You’ve made a good start by selecting a bike with a less powerful engine in a 125cc, it’s good to build your skills before moving up to the ‘big bikes’.

If you’re new to motorcycling your premium is likely to be affected simply because you will have no riding history behind you. As you continue to build up a no claims discount, providing there are no other factors affecting your premium you may see a lower offer over time.

There are a number of different things you can do to potentially help save money when insuring your 125cc.

One way to get offered a lower premium for your 125cc bike insurance is to use additional security systems such as chains, locks and anchors, along with keeping your bike in a secure location overnight, such as a shed, garage or behind a locked gate in your garden.

You can also look to take additional training courses, which may help you to improve your riding skills and may also help to lower your premium as some insurers offer discounts for reputable advanced training.

*One use per customer. Promotion valid until 31/03/2026 and must be used within six months from date of issue. Full terms and conditions can be found here: 10% discount code for Sportsbikeshop with Devitt.

**Up to 90 days EU cover is included in all our motorcycle policies. Please see your policy documents full details.

Frequently asked questions about 125cc bikes and insurance

Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

What are the benefits of owning a 125cc bike?

Your average 125cc bike has a top speed of around 70mph. That’s still pretty impressive if you’re new to riding
If you’re over the age of 17, have a provisional license and you’ve passed your CBT then you’re eligible to ride a 125cc machine. It’s a great way to get around town!
It’s typically less expensive to insure, tax and MOT a 125 compared to bigger bikes
The cost of filling up your bike with fuel will be far less than if you were filling up a car!
You’ll save money and time on commuting, skipping queues of traffic and it’s usually easier to find a parking space

What does 125cc mean?

In the realm of motorcycles, CC stands for cubic centimetres, a unit of measurement that defines the engine’s displacement or the total volume inside the engine chamber. Specifically, 125cc signifies that the engine can hold 125 cubic centimetres of air and fuel mixture in its combustion chamber during each cycle. The size of the engine chamber directly impacts the bike’s performance, with larger CC values indicating more powerful engines. For 125cc motorcycles, this engine size strikes a balance between fuel efficiency and performance, making them a popular choice for beginners, commuters, and urban riders.

Get a bike quote

Call for a 125cc bike insurance quote today0345 872 3614

125cc motorbikes are an extremely popular choice in the UK because they’re accessible, reasonably cheap to run and they can be ridden without holding a full bike license.

Lots of the big manufacturers like Suzuki, Yamaha and Honda have invested time improving their 125cc machines in recent years, as well as smaller, up and coming manufacturers such as Mutt and Lexmoto.

You only need a CBT to ride on a 125cc machine (with L plates if you’re 17 and over), and as they’re more powerful than their 50cc counterparts, in our opinion they’re great for building your confidence and advancing your riding knowledge too. Don’t forget that your CBT only lasts two years so you’ll need to remember to re-take your test at the end of the two years or you might like to apply for your full motorcycle license.