I was needling the 125 CBR uber alle guy.....
- he deserved it. 12 ****ing hp -
The OP needs a 50cc scoot for his first year otherwise he will pay through the nose for insurance. Been there done that with my son. The only practical route is via facility insurance unless someone will put him on with their car policy.
None of the companies I am aware of have reasonable rates for a first year rider.....period. Facility is a pool insurance run by the gov.
Once you get that year then the OP has some choices in the bigger scoots or the something like a Ninja 250 but as a "only vehicle" the scooters right up to the 400 Burgman offer a better combination of weather protection and secure storage tho you can always put top case and side case on a motorcycle.
It sucks that the borderline is 100 cc instead of 125 as there are a number of better 125 cc machines out there....the 50 cc I think are more dangerous but that's gov for you.
There is a convergence in the commuter bike/city wheels n the 250-850 range with a variety of transmissions and storage approaches.
Even tho we had a van kid and I would take the scooters grocery shopping in almost any weather and he could put 2 bags and me up to 6 in the 650 - that was enough for a week,
When I had the KLR and he had the 250 Ninja - you couldn't even carry the mail. OP wants a machine that can carry stuff and is affordable.
First year that's a 50 cc scooter and that little Aprilla is sweet in that category.
Next year he still has to choose storage/convenience/roll and go which most of the scooters represent versus the bigger wheels and ( in the city ) marginal advantage of a standard transmission.
There are some very sophisticated ( and not cheap ) scooter solutions in the 250 cc range that will cruise nicely at 100-120 with a light rider and offer good storage and superb city maneuvering.
Bikes like the Ninja 250 are fun but even my son got tired of it after a year - it's not a sports machine and you can't carry stuff. Something like a Burgman 400 would do better for light touring, carry lots and be surprising in the twisties while still keeping city advantages.
Now he's got his own 650sv....and still can't carry anything...