Young Driver 125cc Insurance: 2026 Ranking (AMV, April, Mutuelle des Motards...)

Key takeaways

• AMV remains number one for young driver 125cc insurance in France in 2026, ahead of Mutuelle des Motards and April Moto on both pricing and coverage.
• The average price of young driver 125 motorcycle insurance sits at 620 euros per year across all formulas, with a 42 percent gap between cheapest and most expensive players.
• The new-rider surcharge applies for 2 to 3 years after obtaining the category B + 7-hour training, adding 20 to 50 percent on top of the base premium.

Choosing your young driver 125cc insurance comes down to two criteria: the annual rate (new-rider surcharge included) and the depth of coverage (roadside assistance, helmet, new-value guarantee). On this specific segment, two-wheel specialist brokers (AMV, April Moto, Solly Azar) and the Mutuelle des Motards drop the bill by 20 to 30 percent versus generalists (AXA, Allianz, MAAF). Here is the detailed 2026 ranking of the 10 main players, with their pros and cons. For the bike choice itself, see our best 125 scooter review first.

The ranking at a glance

Reference profile: 24 years old, category B + 7-hour training obtained 1 year ago, Honda PCX 125, central Paris, secure parking.

1. AMV Assurances: the historical two-wheel leader

AMV Assurances (formerly Assurances Moto Verte) has been the number one two-wheel specialist broker in France since 1974. A Verspieren group subsidiary, AMV covers over 600,000 motorcyclists and scooter riders, including a large share of young 125 drivers. Policies are negotiated with SMA SA and Filia-MAIF, which lets AMV undercut generalists by 20 to 30 percent on the 125cc segment.

Reference young-licence rate: 288 EUR/year third-party, 520 EUR/year third + theft, 780 EUR/year comprehensive.

AMV pros

• 0 km roadside assistance included as standard, doorstep pickup
• Helmet and gear covered up to 2,000 euros, the highest cap on the market
• 24-month new-value guarantee on new 125 scooters and motorcycles
• Online quote in 3 minutes, instant validation, e-signature
• French customer service open 6 days a week
• 7-hour training discount up to 10 percent at AMV partner schools

AMV cons

• No physical agencies, everything goes through phone or digital
• Less competitive on sports 125 bikes (Yamaha YZF-R125, KTM Duke 125) than scooters
• Monthly billing fees of 24 EUR/year if paying in installments

2. La Mutuelle des Motards: the mutual commitment

Founded in 1983 by the Fédération Française des Motards en Colère (FFMC), la Mutuelle des Motards is the only French mutual fully dedicated to two-wheels. Mutual status: no shareholders, surpluses returned to members. 70,000 active members, with a growing young-licence share since 2020.

Reference young-licence rate: 295 EUR/year third-party, 535 EUR/year third + theft, 795 EUR/year comprehensive.

Mutuelle des Motards pros

• Young-licence surcharge decays over 2 years only, vs 3 years at most competitors
• Motorcyclist advocacy beyond insurance: political action, class actions, legal support
• Free secondary driver by default, no paid option
• 0 km roadside assistance included, expert reports done by motorcyclist technicians
• Activist bonus: continued training (AFDM track days) gives 5 to 10 percent discount

Mutuelle des Motards cons

• Mutual membership required (symbolic 4 EUR fee)
• Longer claim handling in peak season (up to 3 weeks in July-August)
• Website and member portal less modern than AMV or April Moto
• No in-agency subscription: phone or web only

3. April Moto: the digital broker from April Group

April Moto is the two-wheel branch of the April Group, a French broker created in 1988. With 400,000 motorcycle and scooter contracts, April Moto is AMV’s direct digital competitor, with a particularly polished online journey and a car-bonus recognition policy that can crash the bill for experienced category B holders.

Reference young-licence rate: 312 EUR/year third-party, 545 EUR/year third + theft, 820 EUR/year comprehensive.

April Moto pros

• Car bonus recognition up to 30 percent off the motorcycle premium for category B with 10 years of clean record
• Full-featured mobile app (2-tap claim filing, live tracking, integrated e-claim form)
• Comparative quote across 5 formulas in a single simulation
• Enhanced bodily injury coverage for the driver (up to 250,000 euros disability)
• Free track days (1 day free with partners) after 12 months no-claim

April Moto cons

• 0 km roadside assistance capped at 50 km (vs 0 km at AMV and Mutuelle des Motards)
• Helmet and gear capped at 1,500 euros, 500 euros below AMV
• New-value guarantee limited to 12 months instead of 24
• Secondary driver paid as option (40 EUR/year)
• Smaller expert network in rural areas vs AMV

4. Solly Azar: the telematics-oriented broker

Solly Azar is a French broker created in 1977, acquired by WTW (Willis Towers Watson) in 2007. Solly Azar stands out with its telematics approach: a connected device installed on the 125 measures actual driving (mileage, braking, acceleration) and adjusts the premium month after month. It is the most relevant offer for very occasional usage.

Reference young-licence rate: 325 EUR/year third-party, 560 EUR/year third + theft, 840 EUR/year comprehensive.

Solly Azar pros

• Real-mileage pricing via connected device, possible savings of 30 to 50 percent for low-mileage drivers
• Accepts cancelled or malus profiles where generalists refuse
• Highly granular options (commute-only coverage, weekends only, etc.)
• Safe driving bonus up to 25 percent off next year via the device
• Fast online subscription, even for risky profiles

Solly Azar cons

• Connected device mandatory on some economic formulas (privacy intrusion)
• Less accessible customer service (priority by mail, phone paid 0.15 EUR/min)
• Less competitive on normal mileage (over 8,000 km/year)
• No 0 km roadside assistance on base formula

5. Macif: the family mutual

The Macif is one of France’s leading mutuals, founded in 1960 in Niort. On the two-wheel segment, Macif mainly targets existing car or home members, with a multi-product effect that lowers the motorcycle premium. For a new comer with no Macif file, the rate stays average.

Reference young-licence rate: 340 EUR/year third-party, 590 EUR/year third + theft, 870 EUR/year comprehensive.

Macif pros

• Multi-product discount up to 15 percent if already a car or home member
• Dense physical agency network, face-to-face advice
• Mutual status: surpluses returned to members
• Family pack to add spouse and children at negotiated terms
• Stable pricing year-over-year, few surprise hikes

Macif cons

• No two-wheel specialisation, in-agency advisors know little about the 125 segment
• Helmet cover limited to 1,000 euros only (vs 2,000 at AMV)
• Slower online subscription (manual validation in 48-72h)
• No 24-month new-value guarantee on the standard formula

6. MAAF: the agency network

MAAF Assurances (Covéa group, which also owns MMA and GMF) is a mutual founded in 1950. Network of over 700 agencies nationally, MAAF mainly targets family and self-employed customers. The 125 motorcycle offer stays classic without major surprises, with appreciated in-agency customer service.

Reference young-licence rate: 355 EUR/year third-party, 605 EUR/year third + theft, 890 EUR/year comprehensive.

MAAF pros

• 700 physical agencies network, easy local appointments
• Young driver package with no-fee 12-month installment plan
• Mobility pack combining auto + motorcycle + two-wheels at -10 percent
• Intuitive MAAF app with partner garage geolocation
• Correct standard bodily injury coverage (150,000 euros)

MAAF cons

• 20 percent above specialist brokers on the young-licence segment
• Roadside assistance capped at 50 km, billed beyond
• No 7-hour training discount integrated into the rate
• Helmet and gear capped at 800 euros only
• 3-year young-licence surcharge maintained, no accelerated decay

7. Direct Assurance: the AXA pure player

Direct Assurance is the 100 percent online subsidiary of the AXA group, created in 1992. No agencies, no intermediaries: everything goes through phone and digital, with reduced structure costs translating into rates slightly lower than parent AXA. On the young-licence 125 segment, Direct Assurance sits above specialist brokers but below traditional generalists.

Reference young-licence rate: 365 EUR/year third-party, 620 EUR/year third + theft, 905 EUR/year comprehensive.

Direct Assurance pros

• 100 percent online subscription in under 10 minutes
• Full web and mobile member space, autonomous management of most actions
• Transparent pricing with no hidden fees, monthly installments without surcharge
• AXA backing: financial solidity and correct bodily injury cover
• Digital amicable claim form via app, validation in 24h

Direct Assurance cons

• Phone customer service partially outsourced abroad (Morocco, Madagascar)
• No dedicated two-wheel expert, recourse to classic auto experts
• Standard coverage less generous than AMV or Mutuelle des Motards (helmet 1,200 EUR)
• No riding course discount post-licence
• Subscription refused after 2 at-fault claims in 3 years

8. L’olivier Assurance: the Generali online player

L’olivier Assurance is the French subsidiary of the Generali group, launched in 2010 on a 100 percent online model. The 125 motorcycle offer arrived in 2018 and remains secondary to the core auto business. Competitive pricing on profiles with no antecedents, but poorly suited to complex profiles or atypical use cases.

Reference young-licence rate: 378 EUR/year third-party, 645 EUR/year third + theft, 925 EUR/year comprehensive.

L’olivier Assurance pros

• Ultra-fast online quote (4 minutes claimed, 6-8 in practice)
• Generali backing: financial solidity and international recognition
• Fixed rate over 24 months guaranteed, no arbitrary hike at renewal
• Partner garage matching for repatriation
• Loyalty programme with 5 percent bonus after 3 years no-claim

L’olivier Assurance cons

• Profile refused if car malus over 1.10, even with no motorcycle claim
• No helmet/gear coverage on the third-party-only formula
• No riding courses or related discount
• Customer service by email only on the economy formula
• Assistance limited to 30 km from home on third-party

9. AXA: the historical generalist

AXA is the leading French insurer, a historical world leader. On the young driver 125 motorcycle segment, AXA offers a standard package via its general agent network, with no marked two-wheel specialisation. The rate stays high but the group’s financial solidity and bodily injury cover are among the best on the market.

Reference young-licence rate: 395 EUR/year third-party, 670 EUR/year third + theft, 960 EUR/year comprehensive.

AXA pros

• Number-one financial solidity in France and worldwide (AA- rating)
• Driver bodily injury cover up to 300,000 euros on comprehensive
• Dense general agent network, personalised in-agency advice
• Multi-product pack auto + home + motorcycle at -15 percent
• Extended legal service in case of dispute or contest

AXA cons

• 30 to 40 percent more expensive than specialist brokers on the 125 segment
• Full 3-year young-licence surcharge, no decay
• No mobile app optimised for motorcycles
• No 7-hour training discount integrated
• Less clear online quote, sometimes manual validation

10. Allianz: the premium German option

Allianz France is the French subsidiary of the German giant Allianz SE. Premium positioning with rates above the market, offset by generous bodily injury cover and renowned customer service. On the 125 young-licence segment, Allianz remains the most expensive option in the ranking but offers exhaustive coverage for those who prioritise protection over savings.

Reference young-licence rate: 410 EUR/year third-party, 695 EUR/year third + theft, 985 EUR/year comprehensive.

Allianz pros

• Driver bodily injury cover up to 350,000 euros, highest ceiling on the market
• Extended international coverage (Europe + Morocco + Tunisia included)
• Premium legal service with dedicated lawyer in case of dispute
• Auto + motorcycle pack at -12 percent if Allianz already holds the car contract
• Allianz Health & Safety app with road safety prevention services

Allianz cons

• Most expensive in the ranking across all 3 formulas
• No two-wheel specialisation in the agent network
• 3-year young-licence surcharge with slow decay
• Refuses cancelled profiles within the past 24 months
• Helmet and gear capped at 1,000 euros (vs 2,000 at AMV)

Average price of young driver 125 insurance in France in 2026

The average price of young driver 125 motorcycle insurance in France in 2026 sits at 620 EUR/year across all formulas, per cross-referenced data from Argus de l’Assurance and FFSA. Breakdown by formula:

• Third-party only: 350 to 450 EUR/year (average 390 EUR)
• Third-party + theft + fire: 520 to 680 EUR/year (average 595 EUR)
• Comprehensive: 780 to 1,100 EUR/year (average 890 EUR)

Impact of the 125 model on the premium

Electric 125 scooters enjoy a structural discount of 10 to 15 percent at most insurers, AMV and Mutuelle des Motards in the lead. For more on model selection, see our best A2 motorcycle ranking for young licence holders.

How to lower your 125cc insurance premium

Several levers can cut the premium by 30 to 50 percent.

Technical levers

• Locked garage: 8 to 15 percent discount across all insurers
• SRA-approved lock: 5 to 10 percent off theft cover
• AFDM advanced riding course: 5 to 10 percent at AMV and Mutuelle des Motards
• Declared and certified limitation for models like BMW C 400 X

Contractual levers

• Higher deductible: raising theft deductible from 250 to 500 EUR lowers premium by 6 to 12 percent
• Annual payment: avoids 20 to 40 EUR of monthly fees
• Correct secondary driver: spreads risk, lowers by 3 to 8 percent

Mistakes to avoid

1. Under-declaring mileage: risk of contract voidance
2. Forgetting the 7-hour certificate: possible refusal of compensation
3. Adding useless options like “financial guarantee in case of loan”
4. Choosing the cheapest without reading exclusions

For used buyers, see also our buying a used car guide whose diligence principles apply to a used 125.

Frequently asked questions