What insurance is recommended for a 125 cc motorcycle?

The 125 cc motorcycles have become protagonists of the new mobility models. But do you know how many types of insurance exist for them? And which is the most recommended? If you are not sure, read on!

The 125 cc motorcycles, protagonists of sustainable mobility
More and more people who, when moving, take into account respect for the environment. And they decide to move on a motorcycle because they reduce pollutant emissions and provide an agile and safe way to travel.

It is not surprising, then, that many drivers opt for 125cc motorcycles to carry out their urban journeys. But why are they so attractive? What are its main advantages?

As we have seen, 125 cc motorcycles pollute less than other vehicles.
They contribute to the flow of traffic and generate less traffic jams.
They spend less time traveling.
They park more easily than cars.
Its maintenance is simple and economical.
And insurance also saves!

Enrollments: best sellers in the Spanish market

For all the above, the 125 cc motorcycles have become true bestsellers. According to data of the National Association of Companies of the Sector of Two Wheels (Anesdor), the registrations of motorcycles of up to 125 cc represent 50% of the sales that are registered in Spain. One last!

What license is needed to drive 125 cc motorcycles?

If you want to drive 125 cc motorcycles, you have several options. With any of the motorcycle permits (A1, A2 and A) you can do it. And also if you are a cardholder B with more than three years old.

But you have to take into account something very important: according to the General Regulations of Drivers, with the A1 permit, we can only drive 125 cc motorcycles with a maximum power of 15 hp and a power/weight ratio of 0.15 hp/kg. That is: if you decide to buy a 125 cc motorcycle that exceeds 15 horsepower, you will have to limit it to drive it.

And if you are a cardholder B, you should know that from car to motorcycle there is a big step. Believe it or not, there are big differences in driving. Therefore, a period of adaptation and training is necessary. If you are going from the car to the motorcycle and you have no experience, we recommend participating in a safe driving course.

Why should 125cc motorcycles be secured?

And put to choose a 125 cc motorcycle, we will have to secure it! To remind us, the Law on Civil Liability and Insurance in Motor Vehicles Circulation is in charge, which in its articles 1 and 2 makes it clear that:

The driver of motor vehicles is responsible, by virtue of the risk created by driving them, for the damages caused to people or property due to the movement.
Every motor vehicle owner who has his usual parking in Spain will be obliged to sign and keep an insurance contract in force, for each vehicle he owns, that covers, up to the amount of the limits of the compulsory insurance, civil liability referred to in article 1.

Therefore, it is not possible to drive with a motor vehicle without having previously signed an insurance policy. If you cause an accident, there are victims and you do not have insurance, you will have to face all your costs and expenses with your assets. We are talking about amounts of money that can be very high. Do not forget!

What does mandatory insurance cover?

Within the insurance offer, third party insurance represents the most economical option. But it is also the most limited. In the case of AMV, we go beyond the basic guarantees and include coverage of the most interesting:

Compulsory and voluntary civil liability.
Legal protection
Claim of damages.
Helmet and airbag vest.
Payment protection insurance.
Assistance for incorrect refueling and duplicate key.

Can you buy other insurance for 125 cc motorcycles?

Yes. Above third party insurance is the one that includes theft and fire coverage. Thanks to the first, insurance companies compensate their clients in cases of theft, theft or misappropriation. And the second is also very important. Did you know that there are numerous causes that can cause our 125 cc motorcycle to be grazing grass? Take note!

And if you are going to release a 125 cc motorcycle, you will sleep much quieter, taking out all-risk insurance. To the insurance guarantees to third parties and the coverage of theft and fire adds the damage of their own, thanks to which the damages suffered by the motorcycle caused by the insurance policyholder or by a third party are covered.

What papers are needed to secure a 125 cc motorcycle?

In general, this is the documentation that insurance companies usually request before formalizing the subscription of a policy:

Copy of the national identity document.
Copy of driving license.
Accident certificate.
Proof of deposit from the dealer.
Technical data of the motorcycle.
Registration Date
Copy of the traffic permit.
Accreditation of previous experience in 125 cc motorcycles.
Single driver statement.

In short, don't forget your insurance!

When choosing your 125 cc motorcycle, check that it meets the specifications for your driving license.
Scroll safely. The 125 cc motorcycles give us many advantages, including reaching our destination before. But that does not mean we can do what we want. Respect the traffic rules and equip yourself correctly.
If you are a motorist, you go to the world of two wheels and have no experience, participate in a safe driving course before!
Remember that 125 cc motorcycle insurance is mandatory. Hire the one that suits your needs. It is the most recommended!
The insurance with more coverage provides greater peace of mind. Keep that in mind!