Yes, you do. It's against the law to ride on UK roads without at least third-party insurance, even if you've only got a provisional licence and CBT certificate.

While you're not required to carry your insurance documents with you constantly, you must provide them to a police officer upon request - either on the spot or within 7 days by presenting them at a police station.

It's also advisable to keep your driving licence with you.

To get a quote for your 125cc, you'll need:

• Your bike's registration number

• The make and model

• Your riding licence details (whether you've passed your CBT, and what type of licence you hold – A1, A2 or full A)

• Your postcode

• Your date of birth

• Details of any previous claims, convictions or accidents in the last five years

• Your no claims bonus (if you have one)

• How you'll use the bike (social and commuting, business use, delivery, etc.)

• Your estimated annual mileage

Don't worry if you haven't got all the details to hand – request a callback and we can help you through the quote.

We insure 99% of 125cc bikes, including:

• 125cc motorcycles (sports bikes, naked bikes, cruisers, adventure bikes)

• 125cc scooters (automatic and manual)

• 125cc mopeds

We cover all manufacturers equally - from premium Japanese and European brands to economical Chinese models.

We exclude some 125cc-equivalent electric bikes, but cover most electric models.

There are a few things that can help bring down your premium:

• Fitting additional insurance-approved trackers to your bike can provide discounts. Keep it in a locked garage or secure premises overnight if possible. Please note that mechanical locks are a policy requirement.

• Your riding record makes a big difference. Accruing your no-claims bonus is the single most efficient way of building up discounts on your insurance quote. Try to avoid getting points on your licence or having accidents.

• When setting up your policy, you could choose a higher voluntary excess to lower your insurance premium. However, take care to guarantee you would still be able to afford the excess should a claim arise – and that the value of this excess does not exceed the value of your vehicle. Be realistic about your annual mileage, too – estimating too high will increase your premium.

Request a callback and we can talk through more ways to lower your premium.

The style of your 125cc can have a big impact on your quote. A 125cc sports bike will typically cost significantly more to insure than a 125cc commuter or scooter, even though they're the same engine size.

Sports-styled 125s are seen as higher risk because of how they're typically ridden. Commuter bikes and scooters like the Honda CB125F or Yamaha NMAX 125 are often more competitively priced to insure.

Not if you're a learner on a CBT. Learner riders with L-plates are not allowed on motorways.

Once you pass your test and get an A1, A2 or full A licence, you can ride your 125cc on motorways. However, with a top speed of around 65-70mph, you might find it more comfortable to stick to A-roads and smaller routes where your 125cc performs better.

You need to tell us about any modifications, both when you're getting a quote and any time you make changes during your policy. That includes things like exhaust systems, performance upgrades, custom paintwork, or any aftermarket parts. If you're in doubt, ask us.

Not all modifications are acceptable - particularly derestricted bikes. We'll look at each bike individually. Modifications may increase your premium, but we'll do what we can to find you the best cover.

Yes, through either the Lexham Insurance App (available for iPhone and Android) or through the Lexham Portal on our website.

You can view your documents, renew your policy, update your details, make changes to your cover, and even report claims. It's available 24/7.

Yes, we're based in Diss and Thetford. Having a UK-based team means you're speaking to people who understand UK roads, and we're around during normal UK working hours.

You can reach us Monday to Friday, 8.30am to 7pm, and Saturday, 9.30am to 4.30pm.

Our claims line is open 24 hours a day, 7 days a week, 365 days a year, serviced by Lancaster Gate Assistance.

Whether you've had an accident at 3am or need to make a claim on a Sunday, you can get through to someone straight away.

We've been insuring mopeds, scooters and motorcycles for over 25 years.

In that time, we've built expertise in small-capacity bikes, young and learner riders, urban commuters, and delivery riders. That experience means we understand what two-wheeler riders need.