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@bq
You've got 3 problems: 1, you're young, 2, you've not passed your test, and 3, you've got a 125.
All 125s have horrific theft problems, which is why your premiums are high.
Can't do much about 1, but if you do 2, and buy a 400 or something afterwards you should see your premiums plummet. Also, don't crash or have it pinched. With 2 years no claims your premiums will drop like a stone, because nobody has 2 years no claims on a motorcycle policy.