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Motorcycle Insurance

Travel Insurance for Motorcycles Over 125cc - 5 Facts You Need to Know

by Maximo Moto 11 Jun 2024

When it comes to insuring larger motorcycles, there are certain aspects and considerations that differ from those for smaller bikes.

Motorcycles over 125cc are often considered higher risk due to their increased power and potential for higher speeds. This makes it essential to have comprehensive travel insurance that covers various aspects of your journey, including potential accidents, theft, and breakdowns.

Key Features of Insurance for Larger Motorcycles

Comprehensive Coverage

  • Covers damage to your bike in case of an accident.
  • Provides protection against theft and vandalism.
  • Includes third-party liability to cover damage or injury caused to others.

    Medical Expenses

    • Coverage for medical expenses in case of an accident.
    • May include repatriation costs if you need to be brought back to your home country for treatment.

      Breakdown Cover

      • Assistance in case of mechanical failure.
      • Towing services to the nearest garage or repair shop.

        Travel Disruption

        • Coverage for trip cancellations or delays.
        • Protection against loss of deposits for accommodation or ferry crossings.

          Personal Belongings

          • Insurance for gear such as helmets, jackets, and other personal belongings.

            Suggested Companies and Plans

            Here are some companies known for providing robust motorcycle travel insurance plans for bikes over 125cc:


            Known for its dedicated touring insurance, offering comprehensive coverage for European trips with larger motorcycles.

            Navigator Travel Insurance

            Specializes in motorcycle travel insurance with options tailored to riders of larger bikes.


            Offers international motor insurance and has specific plans for motorcycles over 125cc.

            Time and Cost Estimates

            The time required to obtain travel insurance for motorcycles over 125cc is similar to standard motorcycle insurance, typically taking a few hours to a couple of days if applying online.

            The cost can vary significantly based on factors such as:

            • Duration of the trip
            • Geographical coverage
            • Rider's age and experience
            • Make and model of the motorcycle

              On average, expect to pay between £75 to £200 for a week-long trip, with more comprehensive plans costing towards the higher end of the spectrum.

              Ensuring you have the right travel insurance for motorcycles over 125cc is crucial for a safe and enjoyable trip.

              By choosing a comprehensive policy from a reputable provider, you can protect yourself and your bike against potential risks and enjoy your European adventure with peace of mind.

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