125 cc motorcycle insurance

BBVA offers you the keys for taking out insurance for this type of vehicle

As a result of the high volume of traffic in big cities and appalling traffic jams, recently more people are buying motorcycles, particularly those with engines under 125 cc, since they can be driven with a standard driver's license. As is the case with motor cars, having valid insurance is a requirement in order to ride a motorbike, which is why it is of vital importance to know the key factors to consider when taking out this type of product. BBVA helps you to discover everything you need to know about insurance for a 125cc motorbike.

Since it is possible to drive this type of vehicle with a traditional class B car license, these kinds of policies are often taken out by someone with experience with cars, but new to getting about on two wheels. That said, in order to enjoy this option the driver must be in possession of a valid B-category license with at least three years of experience. This is not always the case, however, since there are also people who have plenty of experience in both types of vehicle and others who start driving a motorbike directly with their A1-category license, which is specifically for motorbikes.

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What determines the price of the insurance?

Despite being different vehicles, the price of insuring a motorcycle is determined by similar factors to those of a motor vehicle policy.

Therefore, the driver's experience, determined by their age, as well as the driver's claims history are key. The vehicle in question and its characteristics are also, obviously, a crucial factor. In this case, we are talking about a cylinder capacity of no more than 125 cc, but the age of the vehicle, as well as its features and, therefore, price, are essential elements that insurers very much take into account. Clearly, there is a big difference between the cost of repairing or replacing - in the event of a theft - a new motorbike and an older motorbike, or between a top-of-the-range motorbike and a more modest model.

How the motorbike is going to be used will also affect the price of the insurance. A two-wheeled vehicle used for business activities will be more expensive to insure, since it is used more often and is put under greater stress, so the likelihood of a claim is higher. The cost reduces if the vehicle is for personal use, although the final price in this case will also depend on whether the motorbike is our usual means of transport or whether we only use it sporadically.

Cover of the driver's medical expenses

There is a widespread belief that the Social Security Institute covers medical fees in any kind of circumstance. Unfortunately, this is not the case. In the event of a traffic collision, the responsibility for the resulting cost does not lie with the public health service but with the insurers.

In this respect, any basic insurance will always cover any damage to third parties, whether they are passengers or traveling in another vehicle involved in the accident, but what happens to the driver that causes it? This is when having suitable insurance makes all the difference. The driver will be given care at the corresponding medical center or hospital, but if they do not have an insurance policy that covers them, they will receive a bill for the cost of the care they have received.

While certainly the majority of drivers opt for this choice, there are still cases in which this form of insurance is not taken out in order to save on the cost. However, what might appear to be cheap can end up proving very expensive, particularly in this case where it is our health that is at stake and taking into account the fact that road accidents without any other vehicle involved occur more often among motorcyclists.

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Tailor your insurance to your particular circumstances

Besides cover on the road including the driver, which your insurance policy should not be without, there are a whole range of options that you can add to your policy, depending on your circumstances or objectives. Insurance is a truly personalized product, since it offers the chance to build it as you like, to make sure it fits your needs.

If you have children, for instance, you can select an insurance format which protects your next of kin in the event of a serious accident. Similarly, if your motorcycle used to be for occasional use and becomes your main means of transport, we recommend that you update your policy to have more comprehensive coverage.

Motorbike insurance within your reach at BBVA

At BBVA, you can find the insurance you are looking for, for motorcycles and mopeds of under 150 hp. There are five different types, from Basic Third Party to Comprehensive with Excess, which offers varying coverage and the possibility of taking out an Enhanced Pack, in which you can extend coverage and its limits.

If you would like to find out more about BBVA's catalog of motorbike insurance policies, don't hesitate to visit bbva.es to check all the information and choose the policy that's most convenient for you. Leave it to us and focus on simply enjoying your motorbike.

Insurance companies: Product 50% co-insured, respectively, by BBVA SEGUROS, S.A., DE SEGUROS Y DE REASEGUROS, listed in the registry of the Directorate-General for Insurance and Pension Funds under number C-0502, and LIBERTY SEGUROS, COMPAÑÍA DE SEGUROS Y REASEGUROS, S.A., registered with the Directorate General of Insurance and Pension Funds, with password C-0467. Broker: BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A., listed in the Special Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under registration number OV-0060. With public liability insurance arranged and sufficient financial resources.

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