It is observed that people are unaware of the concept of the cubic capacity of a motor vehicle. For many new bike owners or those considering purchasing a bike, the cubic capacity of a bike has been a grey area. This article discusses the CC of your motorcycle and how it affects your bike insurance cost.
What is the Cubic Capacity (CC) in a Two-wheeler?
- The CC is also referred to as the cubic capacity or cylinder capacity.
- It is the amount of power that your bike's engine produces.
- It is also a deciding factor in determining how much torque, horsepower and mileage can an engine produce.
- The engine capacity you desire in your motorcycle is critical and is influenced by the vehicle's intended use. Engine capacity is essential since it directly correlates to the amount of power it generates, and a bike's cubic capacity also impacts mileage.
- The cubic capacity of a motorbike refers to the volume of the chamber. The more capacity a bike has, the better the quality of the air-fuel mixture that may be compressed to generate energy. A motorcycle with higher CC will have a larger cylinder to digest more air and fuel. This natural process will aid in the burning of more gasoline each stroke, resulting in enhanced power and torque generation.
How Do CCs Impact Bike Performance?
- The cubic capacity of the engines of different motorcycles varies. The smallest capacity mounted on a bike is 50cc, while sports motorcycles and certain tourers can have capacities as high as 2000cc.
- The CC of your bike's engine is directly linked to its performance.
- As said before, increasing the engine's cubic capacity would result in a larger output from the engine.
- Performance is defined as the bike's ability to accelerate quicker, have a higher power-to-weight ratio, and reach high peak speeds. As a result, all performance bikes have larger engine CC.
How does Engine Capacity Affect CCs Performance?
- Engine capacity is used to determine various outputs such as power, torque and mileage.
- If the engine is in a higher position, it signifies there is more room within the cylinder. As the amount of gasoline burning within the tank grows, the power output grows too.
- Alternatively, we may state that the production quantity is proportionate to the amount of fuel consumed. And a rise in fuel consumption also results in a reduction in mileage. For example, various Bajaj 100 CC bikes with large engines can accommodate substantially greater CCs.
What Type of Engines Generates the Best Mileage?
- The best motorcycle engines have a volume of up to 100cc, and it has been found that engines with a range between 110 to 150cc provide great mileage.
- The modest mileage values range from 150cc to 200cc engine capacity.
- Engines with a capacity of 200cc to 500cc have lower mileage while engines with a capacity of more than 500cc offer the lowest mileage.
How Do CCs Impact a Two-wheeler’s Cost?
The greater the cubic capacity of a bike, the greater the price would be, as a 350cc bike will offer greater performance than a 100cc bike.
Also, because the higher CC of an engine results in better efficiency, it becomes imperative to improve the bike's entire mechanical strength as well. As a result, a higher-performance bike would need to be mechanically sturdy, with enhanced aerodynamics, suspension, exhaust systems, brake pads, and high-quality materials that won't wear out rapidly at high speeds.
All of this comes at a greater price, so a high-performance bike will always be more expensive than a regular one.
Effect of CCs on Your Two-wheeler Insurance Premium
Cubic capacity is one of the various parameters when determining the two-wheeler insurance premium. To establish the bike insurance premium, the Insurance Regulatory and Development Authority of India (IRDAI) has determined slab rates based on the vehicle's cubic capacity.
The slab rates used to calculate the two-wheeler insurance premium are restricted to third-party losses exclusively, whereas comprehensive bike insurance coverage includes own losses. As a result, owners of identical two-wheeler bikes pay different insurance prices depending on the insurance coverage.
Impact of CCs on Third-party Insurance Premiums
In India, third-party liability is the legal minimum requirement for all vehicles, including two-wheelers. This bike insurance only protects you from damages to a third party, bodily injuries, or even death in the event of an unfortunate accident.
The IRDAI determines the premium rates for third-party bike insurance coverage. The official regulator has set specific slab rates dependent on the engine capacity of the motorcycle. The most current and amended slab prices for two-wheelers are listed below:
Single-year Third-party Premium for Two-wheelers In India
| Two-wheelers With Engine Capacity | Premium Rates (FY 2022-23) in INR |
| Less than 75cc | 538 |
| Between 75cc and 150cc | 714 |
| Between 150cc and 350cc | 1,366 |
| Above 350cc | 2,804 |
Long-term Third-party Premium for Two-wheelers In India
| Two-wheelers With Engine Capacity | Premium Rates (FY 2022-23) in INR |
| Less than 75cc | 2,901 |
| Between 75cc and 150cc | 3,851 |
| Between 150cc and 350cc | 7,365 |
| Above 350cc | 15,117 |
These rates are effective from 1st June 2022
Conclusion
Cubic capacity is a critical feature of a bike that determines its performance and mileage. Besides, it also affects the premium for bikes falling under 75cc to above 350cc. Thus, it becomes important to understand the CC concept thoroughly while purchasing a new two-wheeler and opting for the best bike insurance.
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