Understand how bike insurance may be impacted by bike CC


22 Aug 2023

CC's Influence on Bike Insurance.

One of the significant factors that can influence your bike insurance is the engine displacement, often referred to as the "CC" or cubic centimeters of your motorcycle's engine. When it comes to insuring your motorcycle, various factors that are taken into account to determine the premium you'll pay.

Engine displacement and two-wheeler insurance: The connection

Engine displacement refers to the total volume of all cylinders in a motorcycle's engine combined. Generally, a higher CC of the bike indicates a more powerful engine with the potential for higher speeds. It is measured in cubic centimeters (CC) and often serves as an indicator of the engine's power and performance.

Here's how it can impact your coverage and costs

Things to be considered as a risk factor when calculating your insurance premium for engine displacement:

1. Premium calculation

Motorcycles with higher engine displacement are usually associated with higher speeds and more power. This means that they could potentially be involved in accidents that result in more damage and higher repair costs. As a result, higher premiums are charged for bikes with larger engines.

2. Insurance categories

Bikes with higher displacement might require comprehensive coverage due to their higher value, while smaller displacement bikes might be eligible for more basic coverage options. Motorcycles are often categorized into different classes based on their engine displacement. These categories can range from small displacement (e.g., under 250cc) to larger displacement (e.g., 600cc and above). The category your motorcycle falls into can impact the type of coverage you're eligible for and the premium you'll pay.

3. Premium increase

If you own a high-displacement motorcycle, be prepared for a potentially higher insurance premium. So, even if you're an experienced rider with a clean record, the engine displacement can still lead to increased insurance costs. The increased power and speed of these bikes raise the risk profile.

4. Personal riding profile

A bike with substantial engine displacement might lead to higher premiums compared to a smaller bike with the same riding profile. Your riding profile, including your experience and riding history, still plays a role in determining your insurance premium.

5. Modifications and customizations

Some modifications might even result in policy exclusions or higher premiums, as they alter the original risk assessment. If you're a motorcycle enthusiast who enjoys modifying and customizing your bike, it's important to note that alterations that increase the engine displacement could impact your insurance coverage.

6. Maintenance and safety measures

Maintaining your bike's safety features and adhering to recommended maintenance schedules might help mitigate some of the premium increases. Owning a high-displacement motorcycle also means you'll need to take additional safety precautions and invest in proper maintenance.


By comprehending the relationship between engine displacement and insurance, you can choose the right coverage that suits your needs and provides peace of mind as you hit the open road. When seeking comprehensive insurance coverage with kotak general insurance for your motorcycle, it's crucial to understand how engine displacement can impact your policy.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.