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Cubic Capacity (CC) in Bikes | Two-Wheeler Insurance

CC is a measurement that determines how much air and fuel your bike’s engine can compress in a single stroke. In other words, it is what makes your bike’s heart beat faster and harder. Let's delve deeper into the concept of bike CC

  • 18 Apr 2023
  • min read
  • 610 views

When it comes to bikes, there is nothing quite like the thrill of hitting the open road with the wind in your hair and the engine revving beneath you. But have you ever stopped to wonder what gives your bike that extra kick of power? The answer lies in your bike's engine CC. Let’s delve a bit deeper into understanding bike cc meaning.

CC is a measurement that determines how much air and fuel your bike’s engine can compress in a single stroke. In other wordzs, it is what makes your bike’s heart beat faster and harder. Let's delve deeper into the concept of bike CC!

What is the Meaning of CC in a Bike’s Engine?

In the context of engines, CC full form in bike means “cubic centimetre” or “cubic capacity.” The meaning of cubic capacity is a unit of measurement used to express the engine’s displacement. During one complete cycle of operation, the engine displacement refers to the total volume of air and fuel mixture that the engine’s cylinders can sweep through.

To calculate the displacement of an engine, one multiplies the cross-sectional area of the cylinder bore by the distance the piston travels during each stroke. For example, if a cylinder has a bore of 50 mm and a stroke of 60 mm, the displacement of that cylinder would be:

Displacement = (pi/4) x (50 mm) ^2 x 60 mm = 471 cc

In a multi-cylinder engine, the total displacement is the sum of the individual cylinder displacements. For example, a four-cylinder engine with a displacement of 471 cc per cylinder would have a total engine displacement of:

Total displacement = 4 x 471 cc = 1884 cc

The displacement of an engine is a vital factor in determining its power output, with larger engines generally producing more power than smaller ones. However, other factors such as compression ratio, valve timing, and fuel delivery also play a role in determining the engine’s power and efficiency.

How Does CC Impact Bike Insurance Premium?

The Insurance Regulatory Development Authority of India (IRDAI), the country’s insurance industry regulator, and insurance providers jointly decide on vehicle insurance pricing. The former sets forth the premium for third-party liability coverage and guidelines that insurance companies must adhere to when calculating the cost of own-damage coverage.

The IRDAI considers the vehicle’s engine displacement size when determining third-party insurance. That indicates the third-party premium for two identical vehicles with similar cubic capacities will be the same. The table displaying the cost of third-party insurance for various displacement sizes is detailed below.

For a single-year policy 

Bike's Engine Displacement Size

Premium

Below 75 cc

Rs 538

Between 75-150 cc

Rs 714

Between 150-350 cc

Rs 1,366

Above 350 cc

Rs 2,804

 

For multi-year policy 

Bike's Engine Displacement Size

Premium

Below 75 cc

Rs 2,901

Between 75-150 cc

Rs 3,851

Between 150-350 cc

Rs 7,365

Above 350 cc

Rs 15,117

As per the revised rule, owners of new vehicles must purchase a multi-year policy. Another thing to keep in mind here is that premium increases with displacement size because higher displacement size engines tend to have higher horsepower and torque, which can lead to more aggressive driving behaviour, increasing the likelihood of accidents. 

Also read:

Factors that Affect Comprehensive Bike Insurance Premium

Comprehensive bike insurance is a crucial investment as it covers a wide range of damages caused to the bike. The premium for comprehensive bike insurance relies on several factors, including:

• Insured Declared Value (IDV):

The IDV of the bike is the maximum amount that an insurer will pay in case of a bike’s total loss or theft. The premium for comprehensive bike insurance is directly proportional to the IDV of the two-wheeler.

• Age of the bike:

The premium decreases as the bike ages since the IDV reduces over time.

• Geographical location:

The premium will be higher if the bike gets registered in an area prone to natural calamities or high theft rates.

• Add-On covers:

Add-on covers, such as zero depreciation cover, engine protection coverage, etc., enhance the policy’s scope of coverage but increase the premium as well.

• Bike type:

The type of bike, including its make, model and features, also affects the comprehensive bike insurance premium. High-end or sports bikes are more expensive to insure than regular commuter bikes.

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