When you buy a motorbike, it is mandatory for you to buy motorcycle insurance as per the government regulations. Since motorcycle is a risky vehicle, insurers tend to charge a higher premium for it. The type of motorcycle and its horsepower will greatly affect the insurance premium. The motorcycle with high horsepower will be charged a higher premium. So if you want a fast, sporty bike, you will have to spend more on the premium. But do not worry. We give you some useful tips on how to reduce your motorcycle insurance premium without compromising on the performance.
Will the type of motorcycle affect my insurance premium?
Before purchasing a motorcycle, you need to find out the cost incurred in getting it insured. The motorcycles with higher horsepower would attract a higher premium. But you should note that there is a minor difference between the horsepower and performance. Get insurance quotes before buying a motorcycle as there are lots of bikes that are not insured by the larger insurance companies. This will force you to use smaller insurers who offer below par services. Besides, they will not allow you to combine the motorcycle insurance with the other products, making the deal very expensive.
Will installing any accessories affect my premium?
Fitting your bike with high-end accessories like disc locks, alarms, and satellite tracking will significantly affect your premium. Hence it is advisable to check with the insurance company about the accessories and security that can increase and decrease your insurance premium. Buying a device costing a couple of hundred dollars will have a significant impact on your premium. Find out this information beforehand to let you negotiate with the dealer who can give you a good bargain.
What are the things I should ensure before opting for motorcycle insurance?
Get many insurance quotes from various insurers for the motorcycle you want to buy. Find out if installing security instruments and add-on accessories will impact your insurance premium. Check if it is possible to reduce the insurance cost if you park your motorcycle in an area under surveillance.
Showing posts with label Motorcycles. Show all posts
Showing posts with label Motorcycles. Show all posts
Monday, November 8, 2010
Friday, November 5, 2010
Mini Moto Engines
Industrial engines. They are still used by several manufacturers (most notably Blata on their entry level bike) and typically produce between 2.5 and 3.5 horse power (hp). All are air-cooled. Tuning and performance parts are very limited.
The Chinese 47/49cc. These engines are used in the Chinese made mk2, and mk3 minimotos. They are air cooled and produce between 2.5 and 3.5 horse power (hp). This engine is different from the industrial engine that is used in the Blata, as it is specifically created for mini moto use.
Polini 4.2 engine. This is the basic Polini engine and, as its name suggests, it produces 4.2 hp in standard form. It is air-cooled and uses the 'series I' crankcase with the 3-port cylinder. There is plenty of scope and parts for tuning but few people bother because most racing classes for the 4.2 won't allow any modifications.
Polini 6.2 engine. The top end of this engine is the same as the 4.2 (3-port) but is available with either water or air-cooling. The bottom end uses the 'series II' crankcase. This helps to make it more powerful. Race regulations don't allow modification to the engine internals but do allow performance parts, the most significant being the exhaust. There are a wide range of alternative exhausts that year after year manage to extract more power from the engine. Consequently the 6.2 'tag' no longer means anything, these little rockets (more often referred to as 'production' nowadays) claim power outputs of up to 9hp.
The Chinese made water cooled engine. This engine is very similar to the Polini 6.2 however it is a series 1 crankcase engine. The engine is water cooled and is used in the Origami B1 replica. The engine produces around 7.5/8.5 horse power (hp) Many of the parts on this engine are interchangeable with the Polini.
What's the difference between the 'series I' and 'series II' crankcase?. Fuel is drawn from the carb into the crankcase via a one-way valve known as the 'reed valve'. The intake port (where the reed valve and carb join the engine) on the series I engine will only accommodate a reed valve assembly with one reed 'petal' whereas the series II will take a reed valve 'cage' that accommodates two reed petals. A two-petal reed valve will allow more fuel mixture to flow into the engine and, therefore, produces more power
Polini Super engine. The super also uses the series two crankcase but with a 5-port cylinder. It is only available in water cooled now but used to come as air cooled as well. To compete with Polini, Mallossi manufacture an alternative 5-port cylinder. There are no restrictions on tuning supers and with engine 'porting', bigger carbs and other performance parts they can be turned into awesome machines (for their size) easily producing 12hp.
What is meant by 3 and 5 port?. This refers to the amount of 'transfer' ports built into the cylinder. The transfer ports draw the fuel mixture up from the crankcase and 'dump' it above the piston prior to ignition. A five-port cylinder has potential to produce more power.
40cc or 50cc. The 3 port engines are only available in 40cc. The 5 port cylinder comes in both 40 and 50cc. ZPF offer a tuned 5-port polini cylinder with their own 'special' cylinder head. The extra cc gives 25% more displacement and, therefore, has the potential for more power. 50's are more common in the USA but they're catching on fast in the UK. The UK now allows them to race in championships.
The Polini engine components are interchangeable, which can make for some interesting combinations. However, people don't tend to bother because of class restrictions and it is usually easier to upgrade the whole bike or change the complete engine.
The Chinese 47/49cc. These engines are used in the Chinese made mk2, and mk3 minimotos. They are air cooled and produce between 2.5 and 3.5 horse power (hp). This engine is different from the industrial engine that is used in the Blata, as it is specifically created for mini moto use.
Polini 4.2 engine. This is the basic Polini engine and, as its name suggests, it produces 4.2 hp in standard form. It is air-cooled and uses the 'series I' crankcase with the 3-port cylinder. There is plenty of scope and parts for tuning but few people bother because most racing classes for the 4.2 won't allow any modifications.
Polini 6.2 engine. The top end of this engine is the same as the 4.2 (3-port) but is available with either water or air-cooling. The bottom end uses the 'series II' crankcase. This helps to make it more powerful. Race regulations don't allow modification to the engine internals but do allow performance parts, the most significant being the exhaust. There are a wide range of alternative exhausts that year after year manage to extract more power from the engine. Consequently the 6.2 'tag' no longer means anything, these little rockets (more often referred to as 'production' nowadays) claim power outputs of up to 9hp.
The Chinese made water cooled engine. This engine is very similar to the Polini 6.2 however it is a series 1 crankcase engine. The engine is water cooled and is used in the Origami B1 replica. The engine produces around 7.5/8.5 horse power (hp) Many of the parts on this engine are interchangeable with the Polini.
What's the difference between the 'series I' and 'series II' crankcase?. Fuel is drawn from the carb into the crankcase via a one-way valve known as the 'reed valve'. The intake port (where the reed valve and carb join the engine) on the series I engine will only accommodate a reed valve assembly with one reed 'petal' whereas the series II will take a reed valve 'cage' that accommodates two reed petals. A two-petal reed valve will allow more fuel mixture to flow into the engine and, therefore, produces more power
Polini Super engine. The super also uses the series two crankcase but with a 5-port cylinder. It is only available in water cooled now but used to come as air cooled as well. To compete with Polini, Mallossi manufacture an alternative 5-port cylinder. There are no restrictions on tuning supers and with engine 'porting', bigger carbs and other performance parts they can be turned into awesome machines (for their size) easily producing 12hp.
What is meant by 3 and 5 port?. This refers to the amount of 'transfer' ports built into the cylinder. The transfer ports draw the fuel mixture up from the crankcase and 'dump' it above the piston prior to ignition. A five-port cylinder has potential to produce more power.
40cc or 50cc. The 3 port engines are only available in 40cc. The 5 port cylinder comes in both 40 and 50cc. ZPF offer a tuned 5-port polini cylinder with their own 'special' cylinder head. The extra cc gives 25% more displacement and, therefore, has the potential for more power. 50's are more common in the USA but they're catching on fast in the UK. The UK now allows them to race in championships.
The Polini engine components are interchangeable, which can make for some interesting combinations. However, people don't tend to bother because of class restrictions and it is usually easier to upgrade the whole bike or change the complete engine.
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