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Feb 18, 2023

How Bike CC vary and impact bike insurance

Two-wheelers are among the most affordable means of transport in India. This is evident because of the rising number of bikes and scooters on the roads. Also, there are a variety of options to choose from as your first two-wheeler. Like any other individual, you would want to do your research about the bike/scooter you wish to purchase. During this research, you might come across the term ‘CC’. What is CC? How does it impact the price of your insurance for twowheeler? Here is more information about it.

What is the cubic capacity (CC)?

The full form of CC in bikes is Cubic Capacity is a term used to denote the maximum amount of power that the two-wheeler’s engine can produce. The cubic capacity of the engine is used to describe the volume of its chamber of the engine. An engine with a higher capacity compresses more fuel and air together compared to an engine with a smaller capacity. This means more power being generated in it. To power your two-wheeler, combustion occurs where air and fuel are mixed to produce heat. This process of combustion is what drives the two-wheeler. The combustion process generates horsepower and torque.

What are the different types of CC?

There are different types of CC in two-wheelers. Scooters and entry-level bikes have a lower CC. This can range from 50CC to 150CC. Mid-range bikes have CC between 150-250CC. Bikes that go beyond 250CC are upper-range bikes that can be considered sports bikes and cruiser bikes.

How does CC impact your bike insurance?

The main component of the insurance for two-wheeler is your vehicle, bike/scooter. When you purchase the policy, the insurer will consider each aspect of your two-wheeler before presenting you with a quote for the policy. The engine is one of the deciding factors. If you have a low cubic capacity (CC) vehicle, the quote would be lower. This is because the lower the CC, the lower the maintenance cost of the bike. The parts would also be affordable to replace. Thus, if your two-wheeler gets damaged, the insurer would not be required to compensate you with a large amount. * However, if you have a high CC two-wheeler, the premium of your policy increases. Bikes with higher CC are, generally, expensive to maintain. The parts for these bikes are also quite expensive. Hence, if your bike gets damaged in an accident, the insurer will have to pay higher compensation. As the insurer would consider this a liability, you would be charged more for the insurance. *

What can be done?

If you have a two-wheeler with a higher CC, you might not be able to lower the price of the insurance. The alternative for you would be to invest in a scooter/bike with a lower CC. This would make the insurance affordable. It would also save money in terms of maintenance. Bikes with lower CC provide better fuel efficiency compared to higher CC bikes. As high CC bikes have higher power and torque figures, they are best suited for experienced riders. So, it is better to go for a second bike with lower CC to save money and avoid accidents.

Things to remember

If you own a bike with higher CC, keep these things in mind:
  1. Check if you have a personal accident cover in bike insurance. This cover provides monetary assistance in the event of an accident where you, the policyholder, might get seriously injured.
  2. When filing a claim, do not falsify details about the damage. If caught, your claim can get rejected.
  3. Always replace parts with genuine parts. Cheap and counterfeit parts could cause serious problems with the performance and safety of your bike.


This is how the cubic capacity of a two-wheeler impacts the price of the two-wheeler insurance. Use the bike insurance premium calculator to know the cost of your two-wheeler insurance.   Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale. *Standard T&C apply

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