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Motorbike insurance for 150cc to 250cc

What’s the difference between 150cc and 250cc insurance? Do you need to insure them? Learn more about 150cc to 250cc motorbikes, as well as motorbike insurance for them.

The Basics About 150cc to 250cc Motorbikes

150cc to 250cc motorbikes are popular in Thailand. Both have their advantages and disadvantages.

The engine displacement on 150cc motorbikes is usually smaller, resulting in slower top speeds and acceleration. This limits the application of 150cc motorbikes compared to 250cc motorcycles, but they can still be a lot of fun to ride.

Owing to their greater engine displacement, 250cc motorbikes are typically faster than 150cc motorcycles. As a result, when opposed to 150cc motorcycles, 250cc motorcycles are a little more appealing to most riders.

Key Points

  • Everyone who owns and rides a motorbike needs to have motorbike insurance.
  • 150cc to 250cc motorbike insurance essentially covers the same thing other types of motorbike insurance offers.
  • Having motorbike insurance for your 150cc to 250cc offers numerous benefits.

What Are the Differences Between 150cc and 250cc Motorbikes?

Power is the difference between 150cc and 250cc motorcycles. The majority of 150cc motorcycles are underpowered and cannot travel on highways. In contrast to 150cc motorcycles, most 250cc motorcycles can be easily ridden on highways because they can achieve higher top speeds.

If you’re still deciding which engine size is for you, here are some of the main differences between the two:

  • Top speed – Many 150cc motorbikes can reach speeds of 40 to 70 mph on average, while 250cc motorbikes can also reach speeds of 65 to 100 mph. In terms of horsepower, 150cc motorbikes normally range from 13 to 19 bhp. 250cc motorbikes, on the other hand, can have anywhere from 22 to 35 horsepower.
  • Versatility – Both 150cc and 250cc motorbikes are sluggish as compared to the majority of other motorbikes on the road. However, a 150cc motorbike is normally insufficient for highway speeds, while a 250cc motorbike may be used on the highway.
  • Safety – You have two choices if anything unexpected happens on the highway. You have the option of increasing your speed or decreasing your speed. And if you’re riding a less powerful motorbike, you’ll only have one option, and that is to slow down.
  • Fuel efficiency – 250cc motorbikes can have lower miles per gallon than most 150cc motorbikes due to their greater engine displacement.
  • Beginner-friendliness – For beginners, both 150cc and 250cc motorbikes are suitable. They are better than other more powerful motorbikes because they are not too powerful and are relatively easy to handle and ride.
  • Highway commuting – If you’re looking for a regular highway commuter, a 250cc motorbike is probably the best choice. With most newer 250cc motorbikes, highway riding is no longer a problem. The majority of new 250cc motorbikes can easily travel at highway speeds without causing any safety issues, discomfort, or vibrations.
  • Payload capacity – A lighter motorbike can still accelerate faster than a heavier motorbike with comparable performance. The rider’s weight and any additional weight can have a significant impact on the motorbike’s top speed, acceleration, and handling, particularly with low displacement engines.
  • Prices – The majority of 150cc motorbikes would be much less expensive than the majority of 250cc motorbikes. Some 250cc motorbikes, for example, will cost at least twice as much as some 150cc motorbikes.
  • Maintenance costs and taxes – Maintenance costs are minimal on both 150cc and 250cc motorbikes. However, maintenance costs for 250cc motorbikes can be marginally higher than for 150cc motorbikes.

Insuring your 150cc to 250cc motorbike can protect you against numerous unwanted situations, such as collision and medical expenses.

Does 150cc to 250cc Motorbikes Need Insurance?

Yes, everyone who owns and rides a motorbike needs to have motorbike insurance. In fact, it is required by law in Thailand. Besides, having motorbike insurance will protect you and your motorbike from unwanted situations.

Comprehensive motorbike insurance will compensate for any damage to your motorbike caused by accident.

What Does 150cc to 250cc Motorbike Insurance Cover?

150cc to 250cc motorbike insurance essentially covers the same thing other types of motorbike insurance offers. The coverage can vary, depending on the specific policy you choose and the insurer. In general, 150cc to 250cc motorbike insurance offers the following coverage:

  • Bodily injury liability – This coverage will help pay for medical expenses and lost wages if you cause an accident and someone is injured. Liability insurance is required in many states.
  • Property damage liability – This coverage helps pay for damages to another person’s car or property if you cause an accident. Liability insurance is required in many states.
  • Underinsured motorist – Assists in defending you from drivers who do not have adequate insurance to cover the expenses of an accident. The scope of coverage is determined by the policy’s coverage requirements and limits.
  • Comprehensive – This coverage, also known as “other than collision,” will help compensate for damage to your motorbike caused by vandalism, theft, or weather events. Custom parts and supplies are also included in this proposal.
  • Uninsured motorist – Protects you and your motorbike from uninsured vehicles and hit-and-run crashes. Uninsured motorist laws vary by state. The scope of coverage is determined by the policy’s coverage requirements and limits.
  • Collision – Collision insurance covers damage to your motorbike if you collide with another car or object, another vehicle crashes with yours, or your vehicle rolls over, regardless of who is at fault.
  • Medical payments – will help you and your passengers cover medical bills in the case of an accident, regardless of who is at fault.

What Are the Benefits of Purchasing 150cc to 250cc Motorbike Insurance?

Having motorbike insurance for your 150cc to 250cc offers numerous benefits, including:

  • Government laws are the most compelling justification to purchase a bike insurance policy for your 150cc to 250cc motorbike. It mandates that any motorbike should be covered by third-party liability insurance. If you don’t have motorbike insurance, you can face a fine.
  • These comprehensive insurance policies will compensate for any damage to your motorbike caused by accident.
  • There is always the possibility of unintentional damage. In such cases, insurance companies provide cash compensation, which is particularly useful when purchasing a new vehicle.
  • You may add extra cover to your motorbike insurance policy to make it more comprehensive. This covers things like breakdown assistance, tire safety, engine and gearbox protection, and so on.
  • Insurance companies have a large network of garages where you can have your motorbike fixed without having to worry about the financial consequences.