55 euro partial cascade possible annually ?

Hi, and this is about a 125 cc scooter in Austria ( yes I know … buhhhhh Roller. Let ma do this outside here before ). One colleague said that he pays the above mentioned amount for it. Can this be possible at all? Total cost insurance = liability + car tax ( from 100 ccm ) + partial cascade so I understood anyway. Car tax is at 125 ccm at least 33 euros a year… less is not possible. Stay 22 euros left for HP and partial cascade. That should be possible ? Have a uf https://verblicker.at search for the cheapest insurance result Helvetia: 40 Euro HP + 33 Euro car tax + 50 Euro TK = 122 Euro The only thing I noticed at durchblicker.at is that the age has no impact on the cost of liability. Did younger people be classified as a vulnerable target group and have to pay more HP? How do I do this and how can I pay so little? P.s Would be nice even if you told me where you are insured since and how much you pays ( ccm please specify then but )