What Is CC in Bike Insurance and How It Works

If you own a bike or are thinking of buying one, you might have often wondered, what is CC in bike insurance and why it matters. CC is a common term you will hear when discussing bike insurance policies, but many people don’t know exactly what it means or how it affects their insurance. In this blog, we will explain what is CC in bike insurance in simple terms and show you how it impacts your insurance premiums and coverage.

What Does CC Mean?

CC stands for Cubic Centimeter, which is a measurement of the engine capacity of a bike. It is the total volume of all the cylinders in your motorcycle's engine. Simply put, it tells you how much space is available inside the engine for the fuel-air mixture to burn and generate power.

For example, if a bike has an engine capacity of 150 CC, it means the volume inside its engine cylinders is 150 cubic centimeters.

Why Is CC Important?

A bike's power and performance are largely determined by its CC. In general, a bike's power increases with its CC. Bikes with higher CC are usually faster and can carry heavier loads.

But CC is not just about speed and power, it plays a crucial role in many other aspects, especially in bike insurance.

How Does CC Affect Bike Insurance?

Insurance companies use the CC of your bike to categorize it and decide the insurance premium. The premium is the amount you pay to buy or renew your bike insurance.

1. Insurance Premium Calculation

Higher CC bikes are often considered riskier by insurers because they can travel faster and might be involved in more severe accidents. Due to this, insurance companies tend to charge higher premiums for bikes with higher CC.

For example:

•         Bikes with engine capacity up to 150 CC generally have lower insurance premiums.

•         Bikes with engine capacity above 150 CC will usually have higher premiums.

So, when you see different insurance rates for bikes, the CC is one of the key reasons.

2. Insurance Policy Types and Coverage

Sometimes, insurance companies offer different types of policies based on your bike’s CC. For example, certain add-ons or covers might be available or mandatory depending on the CC of your bike. This could include things like:

•         Zero depreciation cover

•         Roadside assistance

•         Engine and gearbox protection

In some cases, bikes with very high CC may also have stricter insurance terms or higher deductibles.

Does CC Affect Third-Party Insurance?

Third-party insurance is mandatory for all vehicles, including bikes, and covers damages caused to other people or property by your bike. The premium for third-party insurance also depends on the CC of your bike. Usually, higher CC bikes have a higher third-party insurance premium because the potential damage from these bikes could be greater.

What About Own Damage Cover?

Own damage coverage shields your bicycle from harm brought on by theft, fire, accidents, or natural disasters. Because it usually costs more to repair or replace parts on a bike with a higher CC, the premium for this coverage also depends on the CC.

How to Find Your Bike’s CC?

If you are not sure about the CC of your bike, you can easily find it in:

•         Your bike’s registration certificate (RC)

•         The user manual provided by the manufacturer

•         The bike’s official website or brochure

It is important to provide the correct CC information while buying insurance to avoid any issues during claim settlement.

What Happens If You Provide Wrong CC Information?

If you declare a wrong CC value, insurance companies may reject your claims or cancel your policy. For example, if you declare a lower CC to pay less premium, and in case of an accident, the insurer finds out the actual CC is higher, your claim may be denied.

So always be honest and accurate while sharing your bike details with the insurance provider.

Can You Get Insurance for Any CC Bike?

Yes, insurance companies provide coverage for almost all bikes regardless of their engine capacity, from low CC scooters to high CC superbikes. The difference lies in the premium rates and the policy conditions, which change based on the CC.

CC and Insurance Renewal

When renewing your bike insurance, make sure you update any changes related to your bike, including modifications that might affect the engine capacity or value. To prevent issues, let your insurance company know if you decide to upgrade your bike to a higher CC engine.

Why Is Knowing CC Important Before Buying Bike Insurance?

Knowing the CC of your bike helps you:

•         Estimate the insurance premium

•         Choose the right insurance policy and add-ons

•         Avoid claim rejection by providing accurate details

•         Recognize the coverage type that is appropriate for your bike.

Conclusion

Understanding what is CC in bike insurance and how it works can save you from confusion and help you make better decisions regarding your bike insurance. CC is more than just a number; it directly affects your insurance cost and coverage.

Always disclose the correct CC and other bike details when buying insurance to ensure smooth claims and reliable coverage. This small step can save you from bigger headaches later.

If you are looking for trusted and straightforward bike insurance options, Square Insurance offers great policies tailored for different CC categories. They make the process easy and transparent, ensuring you get the right coverage without any hassle.