Do motorcycles with an engine displacement exceeding 250cc require higher insurance premiums?
2 Answers
Motorcycles with an engine displacement exceeding 250cc require higher insurance premiums. Compulsory traffic insurance classification: For motorcycle compulsory traffic insurance, it is divided into three categories based on different engine displacements (with nationally unified premiums): Displacement at 50CC and below. Displacement between 50CC-250CC (inclusive). Displacement above 250CC and sidecar tricycles. The insurance premiums for these three categories are different. Documents required for insurance: The driving license of the insured motorcycle, the ID card of the insured, and for renewal, the original copy of the previous year's compulsory traffic insurance is also required. In terms of accident compensation, it is also determined with reference to the liability limits of compulsory traffic insurance for motor vehicle accidents.
I've been riding motorcycles for over ten years and noticed that bikes over 250cc do incur higher insurance premiums. This stems from insurers' calculation logic—they assume larger displacement means higher speeds and greater accident risks, hence the premium hike. For instance, sub-250cc bikes might cost a few hundred annually, while 300cc or 400cc models could see a 20% to 30% increase. Of course, your driving record matters too—young or novice riders pay more, whereas seasoned riders save. Compulsory traffic insurance follows fixed national standards with little fluctuation, while commercial insurance is priced freely by insurers. My advice: Always call multiple insurers for quotes before buying—don’t impulsively judge costs by displacement alone. This approach saves money and avoids pitfalls.