Motorcycle Insurance for Big Displacement Bikes

Owning big displacement bikes is an exhilarating experience, offering unmatched power and performance. However, with great power comes the need for insurance coverage to protect both the rider and the bike.

Why Engine Size Matters

The size of a motorcycle’s engine, measured in cubic centimeters (cc), significantly impacts insurance costs. Larger engines, typically over 1000cc, are associated with higher speeds and more significant risks, leading to increased premiums. Insurance companies view these bikes as more likely to be involved in accidents or theft, necessitating higher coverage.

Types of Coverage

Motorcycle owners typically need to consider the following coverage:

• Liability coverage is the most basic and legally required insurance. It may help financially cover damages and injuries you may cause to others in an accident. However, it does not cover your own bike or injuries.

• Collision coverage may assist with repair or replacement expenses if your bike sustains damage in a collision. Considering the substantial repair costs for bikes, having this coverage is vital.

• Comprehensive coverage may cover noncollision-related damage such as theft, vandalism, fire and severe weather.

• Uninsured/underinsured motorist coverage may help cover expenses if you’re involved in an accident with a driver who lacks sufficient insurance. It’s particularly important for high-value bikes.

Factors Influencing Premiums

The following factors can influence insurance premiums for motorcycles:

• Rider’s experience—Experienced riders often get lower premiums as they are considered less risky to insure.

• Location—Areas with high theft rates or accident frequencies can increase premiums.

• Bike’s value and modifications—High-value bikes and those with custom modifications typically cost more to insure.

Learn More

For motorcycle insurance near you, contact Xpress Insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.