Several factors influence your bike insurance premium, including: Bike model and engine capacity: Higher engine capacity bikes (e.g., 200cc or more) attract higher premiums. Location: Riding in metro cities like Mumbai, Delhi, or Bangalore can increase your premium due to higher risks. Rider’s age and driving history: Younger riders or those with a history of accidents may face higher premiums. Add-ons: Choosing additional coverage like zero depreciation or engine protection increases the premium.