Most Affordable 100-110 CC Bikes In India And Their Insurance Plans

For some people, a fast superbike is not what they want. In actuality, most riders in cities and semi-cities favour 100-110 CC bikes because they are cheap, fuel-efficient, and easy to maintain. There is an excellent mix of how proper and fast these bikes are.

But buying a bike isn’t the only way to own one. With the right two wheeler insurance plan designed for both regular and infrequent riders, it’s also about keeping it safe.

Here are some of the best 100-110 CC bikes that won’t break the bank, along with information on how insurance can make owning a bike more enjoyable.

1. Hero Splendour Plus

One of the most well-known names in affordable bikes is the Hero Splendour Plus. It offers low prices and excellent fuel efficiency and has been around for decades.

Specifications:

• Engine: 97.2 CC, single-cylinder
• Power: 7.9 bhp
• Mileage: 60-70 km/l
• Price: ₹75,000 – ₹78,000 (ex-showroom)

Why It’s Popular?

• Long-standing brand trust
• Minimal maintenance
• Excellent resale value

Insurance Tip:

First-time bike owners frequently choose comprehensive bike insurance to protect the bike and the rider from accident-related losses, which third-party plans do not cover.

2. Bajaj Platina 100

This bike is perfect for people who value comfort and fuel efficiency over bold looks or speed.

Specifications:

• Engine: 102 CC, DTS-i
• Power: 7.9 bhp
• Mileage: 70-80 km/l
• Price: ₹67,000 – ₹71,000 (ex-showroom)

Standout Features:

• Spring-on-spring suspension
• Wide seat for comfort
• High mileage for daily use

Insurance Insight:

Two wheeler insurance with personal accident cover add-ons is proper for riders who frequently drive long distances.

3. TVS Sport

With its good looks and useful features, the TVS Sport is an easy-to-use commuter bike for beginners.

Specifications:

• Engine: 109.7 CC
• Power: 8.1 bhp
• Mileage: 70-73 km/l
• Price: ₹64,000 – ₹72,000 (ex-showroom)

Best For:

• Young office-goers
• Those who want style on a budget

Insurance Insight:

Third-party coverage is required, but getting comprehensive bike insurance can help cover damage from natural disasters or theft.

4. Honda CD 110 Dream

The engine and control of this Honda bike make it stand out. The bike is simple and only has the features you need.

Specifications:

• Engine: 109.51 CC, BS6
• Power: 8.6 bhp
• Mileage: 65 km/l
• Price: ₹73,000 – ₹75,000 (ex-showroom)

Ideal Rider Profile:

• Rural commuters
• Office workers covering long distances

Insurance Tip:

During monsoon season, peace of mind can be obtained by combining the base coverage with an engine safety add-on to your two wheeler insurance plan.

5. Hero HF Deluxe

Another gem from Hero, this bike is sturdy and reliable for everyday use.

Specifications:

• Engine: 97.2 CC
• Power: 7.9 bhp
• Mileage: 70-75 km/l
• Price: ₹60,000 – ₹67,000 (ex-showroom)

Key Highlights:

• i3S start-stop tech
• Low servicing cost
• Alloy wheels as standard

Insurance Insight:

When you add on comprehensive bike insurance with zero depreciation, you get a higher claim value that doesn’t consider part wear and tear.

6. Bajaj CT 110X

Made for rough Indian roads, this version of the CT series has a rugged build and works well for a long time.

Specifications:

• Engine: 115.45 CC
• Power: 8.6 bhp
• Mileage: 65 km/l
• Price: ₹69,000 – ₹72,000 (ex-showroom)

Top Features:

• Semi-knobby tyres
• Bash plate for the engine
• Rubber tank pads

Insurance Tip:

Two wheeler insurance with roadside help becomes crucial for off-road commuters or users in challenging areas.

7. TVS Radeon

TVS Radeon is designed with a premium touch while still being affordable.

Specifications:

• Engine: 109.7 CC
• Power: 8.1 bhp
• Mileage: 65-70 km/l
• Price: ₹74,000 – ₹78,000 (ex-showroom)

What Sets It Apart:

• Premium looks
• Synchronised braking
• USB charging port

Insurance Suggestion:

Suppose you ride your bike to work in the city, where traffic is heavy and lanes are small. In that case, comprehensive bike insurance with third-party liability add-ons can help protect you from legal and accidental liabilities.

8. Honda Livo

As a more stylish Honda, the Livo is perfect for people who want a high-end look in the passenger market.

Specifications:

• Engine: 109.51 CC, BS6
• Power: 8.6 bhp
• Mileage: 60-65 km/l
• Price: ₹78,000 – ₹82,000 (ex-showroom)

Ideal User:

• College students
• Daily city commuters

Insurance Insight:

Don’t forget about theft security. Even if you park your bike safely, adding loss cover to your two wheeler insurance plan protects it from risks you can’t predict.

9. Hero Passion XTEC

A modern take on the Hero Passion, the XTEC brings connectivity and tech to the commuter class.

Specifications:

• Engine: 113 CC
• Power: 9 bhp
• Mileage: 60-65 km/l
• Price: ₹79,000 – ₹83,000 (ex-showroom)

Best For:

• Tech-savvy riders
• Those who want digital displays & Bluetooth

Insurance Tip:

Many new bikes have digital instrument panels that can be pricey to fix. A good, comprehensive bike insurance plan covers these devices.

10. TVS XL 100 Heavy Duty

Even though this isn’t a typical bike, its very low price and wide range of uses make it stand out in the entry-level 100 CC group.

Specifications:

• Engine: 99.7 CC, single‑cylinder, BS6
• Power: ~4.3 bhp
• Mileage: ~65 kmpl
• Price: ₹47,754 – ₹63,705 (ex‑showroom, various variants)

Why Consider It:

• Extremely low cost and maintenance
• High load‑carrying capacity (ideal for rural or commercial use)
• Available in kick‑start and i‑Touch start variants

Insurance Insight:

Due to its heavy use for business travel, this bike should have at least the most basic two wheeler insurance. Ideally, it should also have basic accident coverage. Businesses should get full insurance because it covers damage and theft, which is essential to keep downtime and financial loss to a minimum.

How to Choose the Right Bike?

When choosing a 100-110 CC bike, keep these things in mind:

1. Budget: Always add up the costs of insurance, registration, and safety gear—they significantly affect how much it costs to own a bike overall.
2. Mileage: Choose bikes with 65 km/l or more fuel efficiency for long daily rides or trips.
3. Build Quality: Pick types with metal fuel tanks and aluminium wheels to make them last longer and be more stable to ride.
4. Resale: Hero and Honda bikes usually have higher resale values because they are well-known and used by many people.
5. After-Sales Service: Ensure the brand has approved service shops close by so that maintenance is easy and spare parts are cheap.

Choosing Between Insurance Options

Two wheeler insurance is required by law, but you can choose to get more comprehensive security instead of just basic third-party coverage. Here’s an easy way to compare them:

Choose the right plan based on your riding pattern, bike usage, and location.

Conclusion: Affordable Yet Reliable

You don’t have to spend a lot of money to have a smooth ride. The 100–110 CC bikes above are long-lasting, get good gas mileage, and are easy to own. With the right two wheeler insurance plan, you can keep your bike and yourself safe from unexpected costs while you’re out and about.

Not only pick the right bike for you, but also the right insurance for your needs. In the end, a safe ride is a quiet ride.

Frequently Asked Questions (FAQs)

1. What kinds of papers do I need to buy bike insurance?

In most cases, you need:

• RC (Registration Certificate) of your bike
• ID proof (Aadhaar, DL, etc.)
• Previous insurance (if renewing)
• Vehicle invoice (for new bikes)

1. Can I sell my insurance to someone else if I sell my bike?

Yes, it is possible to give the insurance cover to the new owner. Your insurance must see a transfer application, a sale contract, and an up-to-date RC.

1. Does every insurance plan cover theft?

Not at all. Comprehensive bike insurance is the only way to protect against theft. This kind of insurance doesn’t cover theft, fire, or damage to your own bike.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.