Automotive

What Is CC In Bikes And How Does It Affect Bike Insurance?

Two-wheeler purchases and preferences vary from person to person in India. For instance, some people might purchase a two-wheeler based on its suitability for daily use, while others might do so based on the value of the design or the performance. The obligation to buy a bike insurance policy coincides with purchasing a two-wheeler vehicle. Two-wheeler

insurance Bajaj Allianz price is a factor that comes into play during the purchase.

The purchase of Bajaj Allianz two-wheeler insurance policies in India may be influenced by various variables, including age, location, vehicle model, voluntary deductibles, claims history, and add-ons. While it may be tempting to reduce coverages to lower your two-wheeler insurance premium, it is crucial to remember that other variables, such as the Cubic Capacity (cc), may impact the insurance cost. ##

What Is CC?

A key element in determining the insurance premium is the two-wheeler’s cubic capacity

(cc), also known as the engine capacity. CC is a measure of a bike’s power output. Depending on the engine, every bike has a different cubic capacity. A larger volume of the fuel and air mixture can be compressed with a larger engine capacity, releasing more power. Sports bikes have cubic       capacities ranging from 50 to 2000. The engine will perform better because its output will be higher the larger its cubic capacity. Here, the bike’s performance is defined as its quicker acceleration, capacity for reaching high speeds, and improved power-to-weight ratio.

What Impact Does CC Have On Your Motorbike Insurance?

A third-party bike insurance policy is a requirement for all bike owners. In addition to safeguarding your bike from any property damage or injuries to third parties, insurance satisfies a legal requirement imposed by the Indian government. The cubic capacity of a bike is the main factor influencing a Bajaj Allianz two-wheeler insurance policy. Bike insurance comes in two flavours: third-party insurance and comprehensive insurance. Based on the cubic capacity, the IRDAI (Insurance Regulatory and Development Authority of India) has set a third-party slab rate for bike insurance. #

  • Third-Party Bike Insurance Plan: The Government of India has made third-party bike insurance mandatory for bike owners. It protects you from financial responsibility for harm your insured two-wheeler causes to another person, vehicle, or piece of property. This is crucial because paying for all these expenses out of your own pocket can be very expensive. *
  • Comprehensive Bike Insurance: Unlike third-party bike insurance, which is concerned with monetary losses, comprehensive bike insurance also covers damage to the owner’s bike. On the other hand, comprehensive bike insurance covers damages to the owner’s bike and financial losses caused to third parties. You can also add a few add-ons such as

personal accident cover in bike insurance, engine protection cover and so on. The premiums increase with the bike’s cubic capacity (CC). Claims are subject to terms and conditions set forth under motor insurance. Before you buy bike insurance online, numerous decisions must be made, including selecting the ideal bike insurance policy. *

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*Standard T&C Apply

#Visit the official website of IRDAI for further details.

##All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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