How Does Cubic Capacity (CC) Vary & Its Impact on Bike Insurance Premium?

While purchasing a new bike insurance policy, different factors impact the bike insurance premium. A Cubic Capacity (CC) is one of the extremely significant factors that affect the premium rate, and the performance of a two-wheeler as well. Let's find out how it impacts bike insurance premiums.

Read more
Get Two-Wheeler Insurance
Starting @ only ₹538/year#
  • Compare & Save upto 85%*

  • 20+ Insurers

    To Choose From
  • 1.2 Crore+

    Bikes Insured

#TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Stay home & renew bike insurance in 2 minutes
No Documents Required
Get Bike Insurance starting @ only ₹538/year#
Enter Bike Number
Other options

What is a Cubic Capacity of a Bike?

CC or Cubic Capacity refers to the maximum power generated by the engine to run the vehicle. The CC is the measurement term used for the combustion cylinder or chamber that is an integral part of the engine. The primary role of this cylinder is to supply power to the vehicle. Therefore, the higher the CC, the bigger the combustion cylinder and the more the power output will be.

The CC is the crucial factor in determining how much power the bike's engine produces depending upon the stroke burnt, torque, and horsepower (HP).

How Does Engine Capacity Impact Two-wheeler Insurance Premium?

The engine's capacity is calculated with the help of various factors like mileage, power, torque, horsepower, etc. The bikes with lower engine capacity tend to produce less power output. Hence, they are more affordable to insure in comparison with the higher engine capacity bikes.

That's why the CC of a bike becomes one of the prominent factors in calculating the two-wheeler insurance premium. Moreover, as per the IRDAI (Insurance Regulatory and Development Authority of India), the CC also determines the premium for the mandatory third-party bike insurance plan.

Impact of CC on Third-party and Comprehensive Bike Insurance Premium

In India, according to the Motor Vehicle Act, third-party liability insurance is a mandatory requirement for all two-wheelers. The IRDAI has prescribed third-party premium rates based on the bike engine capacity range. The following table highlights the premium rates for various cubic capacities-

Engine Capacity in CC Third-party Insurance Price in Rupees
For less than 75cc Rs 482
In between 75cc and 150cc Rs 752
In between 150cc and 350cc Rs 1,366
For more than 350cc Rs 2,804

The above-mentioned third-party premium rates are standard across India. However, the comprehensive bike insurance premium differs due to the OD (Own Damage) component. It also depends upon the motor insurance provider's risk assessment, location, make & model, add-ons, etc.

In simpler terms, the premium rates for third-party bike insurance largely depend upon the CC of the bike's engine. On the other hand, the comprehensive bike insurance plan considers other factors as well while determining premium.

However, if you want to find the premium for your two-wheeler, you can visit and use the online bike insurance premium calculator for different types of two-wheelers.

Other Factors Determining the Own-damage Insurance Premium

When you calculate the insurance premium for your own damage, apart from the bike's engine capacity, some other factors also influence the premium. Have a look-

  1. Year of Manufacture- Since the bike parts depreciate with time, thus, sum insured also reduces with it. The insured amount has a direct relation with the age of the bike.

  2. Location- Another factor is the location. It is said that if you reside in metropolitan cities, you might have to pay a higher premium as compared to non-metropolitan cities.

  3. Make & Model- Make & model of the bike is a significant factor to decide the premium. The premium is said to be higher for high-end models or premium bikes. Even to insure a sports bike, you might have to spend more in comparison to low-end models because their parts are expensive to replace or repair.

  4. Add-on Covers- Add-on covers (commonly known as riders) provide extra coverage for a specific vehicle part and increase the price of the base plan. If you are planning to buy any additional cover, it will increase the insurance premium. Therefore, it is advised to choose the riders as per your need and budget.

The Final Words!

A Cubic Capacity (CC) of the bike's engine is one of the vital factors that the insurer considers. The bike engine with 100CC delivers the best mileage and is affordable to insure.

Whereas, the bike engines with more than 200CC are expensive as well as deliver the least amount of mileage. Moreover, their insurance premium is higher than any other lower cubic capacity bike engine.

Written By: PolicyBazaar - Updated: 13 October 2022
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Two Wheeler insurance articles

Recent Articles
Popular Articles
7 Bike Selling Tips Made for You

02 Dec 2022

There could be many reasons when you decide to sell your bike...
Read more
9 Things to Know About Bike Insurance While Relocating

30 Nov 2022

For many of us, moving to another city probably is overwhelming...
Read more
Is It Mandatory to Buy Bike Insurance from Bike Dealers?

30 Nov 2022

You did thorough research, established a credit score to finance...
Read more
6 Regular Checks for All the Two-wheeler Owners

10 Nov 2022

A two-wheeler is the most convenient and affordable mode of...
Read more
7 Tips to Buy a Second-hand Bike

19 Oct 2022

A second-hand or used two-wheeler is a perfect option for those...
Read more
Best Two Wheeler Insurance Plans in India
When it comes to choosing the best two wheeler insurance plans, we’re sure you have heard enough from different...
Read more
Renew Your Two-Wheeler Break-in Insurance Policy at PolicyBazaar
Owners of two-wheelers have been getting a good night’s sleep as far as their vehicle’s insurance is...
Read more
How to Get Duplicate RC Online & Offline?
A Registration Certificate or RC is as important as the Driving License (DL) or two-wheeler insurance policy for...
Read more
Zero Depreciation Bike Insurance
Every two-wheeler goes through depreciation. Simply put, depreciation of a vehicle means a reduction in its value...
Read more
Lost Your Two Wheeler Insurance Documents? Here Is What You Need To Do
A bike insurance policy is one of the mandatory documents that every two-wheeler owner must have. In case you have...
Read more