What is The Meaning of CC in Bikes and How Does It Impact Insurance Premiums

source : motorbiscuit

Some of the main things to consider when buying a bike include the weight of the bike, power output, and design. Furthermore, it is also vital to understand what cc means and why it is one of the primary things to consider while buying a bike.

CC or Cubic Capacity of a bike defines how much the bike engine's power output. In every bike, there is an engine which has cylindrical chambers. Cubic capacity is a measure of the volume of that engine's chamber.

The larger the volume, the more space there is to make fuel and air mix, compressing which your bike's engine produces power. If the compression takes place with a larger volume, it will produce a higher power output.

Now that you have understood the bike's cubic capacity, you must know how much CC your bike offers. In general, most engines offer a CC starting from 50 CC, while sport cruisers have a capacity of up to 1800 CC.

Your bike's engine capacity can help determine a handful of factors – power, mileage, and output. In fact, the cubic capacity of your bike's engine will tell you how much space there is inside.

If it is larger, then it confirms a higher volume of fuel-air mixture to combust. This further guarantees a higher power output. Power production thereby determines the amount of fuel consumption. Moreover, fuel consumption has an impact on the mileage.

Ever wondered why insurance premiums differ from one bike to another? The reason behind it is that multiple factors jointly affect the overall cost of insurance. Among all the factors, your bike engine's cubic capacity is one of the major aspects; thus, it is important to know your bike's cc.

Moreover, there are two different types of bike insurance plans that you can choose from – third-party and comprehensive.

As per the Motor Vehicles Act, 1988, it is mandatory for every bike owner to have third-party bike insurance. However, a third-party bike insurance cover will offer you coverage for only third-party damages, including vehicle, person, and property.

In the case of a comprehensive bike insurance cover, the plan's coverage is not just limited to third-party damages but additionally offers coverage for own damage as well.

Keep reading further to better understand the various factors that can affect your bike insurance premium.

The top 9 factors that affect your comprehensive bike insurance premium are mentioned below:

1. Type of Bike

A bike's features and quality add up to its overall price and differs from one model to another; likewise, the insurance cost also differs in the same way. Once you understand the cubic capacity of bikes, you will also understand how it forms the base for presuming your bike insurance policy cost.

Now, if your bike has a high cubic capacity, then you will attract a higher insurance cost and vice versa.

2. Value of the Bike

The value of a bike varies from one brand to the other and is based on its functionality too. For instance, a Kawasaki Ninja costs more than Bajaj bikes. Therefore, the cost of insuring it will also be higher.

3. Modifications (if any)

Modifying certain parts of your bike surely adds to the glam, but you can result in enduring financial loss in case the modified part gets damaged. In order to avoid this damage, you can also ensure each modified part separately.

However, this practice can also increase the overall cost of your insurance policy.

4. Your Riding Skills

Your riding skills play a major role in determining the possibility of an accident. If you have an accident with your insured two-wheeler, you may need to raise an insurance claim to cover the expenses.

In case these claims are too frequent or you have a history of frequent claims, then the cost of your insurance policy also increases.

5. In-built Anti-theft Devices

If you were careless enough not to install any anti-theft device on your bike, then there are chances that your insurance might cost a little more. Likewise, if you were too careless to park it at places with high percentages of theft or forgot to lock it at all, then your insurer won't compromise with the same.

Therefore, installing an anti-theft device on your bike is a prudent choice. This can enable you to spend less on your comprehensive bike insurance premium.

6. Other Factors

Factors like availing extra coverage or having membership in the Automobile Association of India can also affect your comprehensive bike insurance premium.

Furthermore, ensure renewing your premium from time to time, as a gap in renewal can result in financial loss.

As a final takeaway, on being a bike enthusiast, you should have complete knowledge of what cc means and enjoy benefits on-bike performance and avail of discounts on the cost of the bike insurance policy.