Updated on 15 Nov 2025
When people talk about bikes, one of the most common terms you will hear is "CC". It is often mentioned in advertisements, bike reviews or everyday conversations among riders. For anyone who owns a two-wheeler or is planning to buy one, understanding Cubic Capacity is important. Take a look at the meaning of CC in bikes, how it impacts performance and why it matters for your third-party or comprehensive bike insurance premium.
What is the meaning of CC in a bike's engine?
In the context of engines, CC means “cubic centimetre” or “cubic capacity.” It 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, multiply 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 affect engine performance?
The cubic capacity of a bike directly influences its performance. Let’s break it down:
- Power and speed
A higher CC engine usually produces more horsepower, which directly impacts the bike’s ability to go faster and accelerate quickly. The extra power makes the ride more thrilling and responsive, especially for those who enjoy high-speed performance.
- Fuel efficiency
When it comes to fuel efficiency, smaller CC engines are the clear winners. They burn less fuel per cycle, making them more economical for everyday use. Bikes in the 100cc–125cc range are especially popular in India for daily commuting, as they provide excellent mileage and help save on fuel costs. On the other hand, larger CC bikes may offer more power and better performance, but they tend to consume more fuel.
- Comfort and usage
Lower CC bikes are generally lighter in weight, making them easier to handle, especially in city traffic. They are perfect for short rides and daily commutes, where manoeuvrability and ease of use are important. In contrast, higher CC bikes provide more stability and comfort on highways, making them ideal for long-distance touring.
- Maintenance
Maintenance costs are another area where CC plays a role. Smaller engines usually require less costly maintenance as their design is simpler and the parts are relatively cheaper. In comparison, bigger CC engines often come with advanced technology, more parts and more complex systems, making replacements and repairs much expensive.
Cubic Capacity (CC) categories in two-wheelers
In India, bikes come in many engine sizes. Let’s look at the most common categories and their uses:
- Up to 110cc: Bikes in this range are best for daily city commuters who prioritise mileage, easy handling and low running costs. They are lightweight, affordable and perfect for short rides in traffic.
- 111cc to 125cc: This range offers a good balance between mileage and power, making it ideal for people who want a little more performance without compromising too much on fuel efficiency. These bikes are commonly chosen by office-goers and college students.
- 126cc to 160cc: Bikes in this range appeal strongly to young riders and those who want a sportier feel while still using the motorcycle for city rides. They provide better acceleration and stylish looks, making them popular in urban areas.
- 161cc to 200cc: This category is designed for entry-level sport riders who are looking for more power, speed and performance. These bikes are suitable for both city and short highway rides.
- 201cc to 350cc: Bikes in this range are usually chosen by beginners in touring or those who enjoy retro-styled motorcycles. They provide a balance of power and comfort, making them ideal for long-distance travel.
- Above 500cc: These are superbikes and heavy cruisers. They are designed for speed lovers, adventure riders and those who want premium performance.
How does CC impact bike insurance premiums?
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 the third-party insurance premium. 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 engine displacement sizes is detailed below.
table width="0">
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.
Conclusion
Cubic Capacity is one of the most important factors in a bike. It affects not only the performance and fuel efficiency, but also the cost of maintenance and even your insurance premiums. Choosing the ideal bike is about finding the right balance between budget, comfort, mileage and performance. While you focus on selecting the right motorcycle for your needs, don’t forget that the right insurance is just as important. You can easily buy a suitable two-wheeler insurance online from the convenience of your home.
If you need help finding the ideal bike insurance, fill out the form on this page. We provide personalised advice to help you get the policy tailored to your needs.
FAQ
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Does higher CC always mean more speed?
Not always. While higher CC engines usually have more power, other factors like engine design, technology and bike weight also play a role in the speed of the motorcycle.
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Which CC bike is best for beginners?
For new riders, a bike between 100cc–150cc is ideal. They are easy to handle, fuel-efficient and safe to ride.
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Do insurance companies only look at CC for the premium?
No, CC is one factor. They also look at the bike’s age, value, location and type of coverage chosen.
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Can I modify my bike to increase CC?
Technically, some modifications can change the engine’s CC, but it is not recommended. It may reduce mileage, increase maintenance costs and also affect insurance validity.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.