How Does Cubic Capacity Affect Your Bike Insurance Premium?

You probably know that your bike’s cubic capacity (CC) is one of the key factors that insurers take into account when working out your premium. But do you know how it actually works? In this blog post, we’ll explain everything you need to know about CCs and how they affect your bike insurance premium. 

What is the meaning of cubic capacity in bikes?

Cubic capacity is the measure of a bike’s engine size, and it directly affects the cost of your bike insurance premium. 

The larger the engine, the more expensive the premium will be. This is because larger engines have more power and are therefore more likely to be involved in accidents.


How Does the CC Affect the Bike Insurance Premium?

When it comes to bike insurance, the CC of your bike’s engine will have a direct effect on your premium. The higher the CC, the more expensive your bike insurance is likely to be. 

This is because bikes with larger engines are generally more powerful and therefore pose a greater risk on the road. If you’re looking to keep your insurance costs down, it’s worth considering a bike with a smaller engine size.


Other Factors that Impact the Insurance Premium

There are several other factors that will impact your bike insurance premium, in addition to cubic capacity. These can include, 

  • Location

When it comes to your bike insurance premium, one of the things that are taken into account is the cubic capacity of your bike. This is because the cubic capacity of a bike engine will determine how much power it has and how fast it can go. Insurance companies view this as a risk factor when it comes to determining your premium.

The good news is that there are ways to lower your insurance premium if you have a high-powered bike. 

One way is to take a rider training course. This will show the insurance company that you are a responsible rider and that you are willing to take steps to improve your skills. Another way to lower your premium is to install security devices on your bikes, such as an immobiliser or alarm. 

This will deter thieves and make it less likely that your bike will be stolen, which is another risk factor that insurers take into account.


  • Manufacturing year

The manufacturing year of your bike is one of the many factors that affect your bike insurance premium. In general, newer bikes cost more to insure than older bikes. 

This is because newer bikes are usually worth more money and they also tend to have more features that make them more attractive to thieves. If you’re looking to save money on your bike insurance premium, it’s often best to buy an older bike.

  • Voluntary/compulsory deductibles

The higher your voluntary deductible, the lower your premium will be. This is because you are effectively taking on more risk yourself, which reduces the risk for the insurance company. 

Of course, this means that you need to be careful not to set your deductible too high, as you could end up having to pay a lot of money out of your own pocket if you do have to make a claim.

  • Make and model

The size of your bike’s engine is one of the key factors that affect your premium. A higher cubic capacity means a more powerful engine, and as a result, your insurance costs will be higher.

For example, a 250cc bike will typically have a lower insurance premium than a 1000cc bike. This is because the larger engine size of the 1000cc bike means it’s more powerful and therefore, more expensive to insure.


  • Add-on covers

There are several add-on covers that can affect your bike insurance premium, including:

-Roadside assistance: This cover provides you with roadside assistance in the event of a breakdown or accident.

-Rental reimbursement: This cover reimburses you for the cost of renting a replacement vehicle if your bike is damaged or stolen.

-Towing and labour: This coverage pays for the cost of towing your bike to a repair facility, as well as labour costs associated with repairs.

-Custom parts and equipment: This cover protects any custom parts or equipment installed on your bikes, such as aftermarket exhausts or wheels.

  • No Claim Bonus

A no-claim bonus (NCB) is a great way to save on your bike insurance premium. It’s a discount that’s applied to your premium if you haven’t made a claim on your insurance policy in a set period of time.

The amount of the discount depends on the insurer, but it can be as high as 50%. To get the discount, you’ll need to have held your previous policy for a certain period of time (usually one year) and you’ll need to have been claims-free during that time.

If you do make a claim, your NCB will usually be reduced by two years. For example, if you have five years’ NCB and you make a claim in year six, your NCB will be reduced to three years.


Cubic capacity is an important factor that affects your bike insurance premium. A higher cubic capacity usually means a higher insurance premium, so it’s important to choose the right bike for your needs. If you’re looking for a bike with a low insurance premium, consider one with a smaller engine size. Thanks for reading and we hope this article has been helpful!

Author Bio: Smriti Gala works as a Digital Marketing Manager with Coverfox. As her life turned upside down when COVID severely afflicted her family members, Smriti decided to dedicate her expertise towards informing and educating the masses about the importance of health insurance. When she is not actively writing enlightening content, our ‘monk marketer’ likes to meditate, meet new people and explore less travelled territories.

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