Bike Insurance

Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.
Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.
Protect your two-wheeler in minutes with Digit’s bike insurance policy that you can buy or renew entirely online! Enjoy comprehensive coverage with add-ons like zero depreciation, engine protection, and roadside assistance.
Know about the best coverage at the best price - online and on the go. Hit the road with peace of mind with add-ons and our quick and simple smartphone-enabled processes. Plus, benefit from a hassle-free claims process and 24/7 customer support to ensure you're always protected.
Bike insurance is a contract between you and the insurer, offering financial protection for your bike against accidents, natural disasters, theft, and other unforeseen events. Here’s how it works:
Choose a Policy
Select a bike insurance plan – third-party, comprehensive, or own damage – and add-ons that fit your needs and budget.
Buy or Renew Policy
Purchase or renew your bike insurance online instantly with Digit, with minimal paperwork.
Pay Premium
Make regular payments (annually or in installments) based on factors like bike’s age, model, IDV, NCB, and coverage type.
File a Claim
If your bike is stolen or damaged in an accident, you can file a claim with your insurer, who after damage assessment will settle the claim as per the policy terms.
Here’s why getting a bike insurance policy is beneficial for you:
Mayur Kacholiya
Product Head - Motor
Mayur Kacholiya
Product Head - Motor
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Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
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Two-wheeler insurance add-ons which you can buy with your Two Wheeler insurance policy
It is equally important to know what’s not covered in your two-wheeler insurance policy, so that there are no surprises when you make a claim. Here are some such situations:
Damages/Losses to own two-wheeler due to an accident |
×
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✔
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✔
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Damages/Losses to own two-wheeler in case of fire |
×
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✔
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✔
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Damages/Losses to own two-wheeler in case of a natural calamity |
×
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✔
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✔
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Damages to Third-Party Vehicle |
✔
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✔
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×
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Damages to Third-Party Property |
✔
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✔
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×
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Personal Accident Cover |
✔
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✔
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×
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Injuries/Death of a Third-Party Person |
✔
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✔
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×
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Theft of your scooter or bike |
×
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✔
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✔
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Customize your IDV |
×
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✔
|
✔
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Extra protection with customized add-ons |
×
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✔
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✔
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Know more about the difference between comprehensive and third party two wheeler insurance
Mayur Kacholiya
Product Head - Motor
In India, two-wheeler insurance policy covers a wider range of vehicles including:
Private Two-Wheelers
These include standard geared and non-geared two-wheelers of all engine capacities that are used for personal purposes, including bikes, scooters, mopeds, etc.
Commercial Two Wheelers
Two-wheelers used for and by business to carry goods and passengers are covered under commercial vehicle insurance policy. It is specifically designed keeping in mind the needs of commercial bike users like delivery partners.
Electric Two Wheeler Vehicles (EVs)
Electric bike insurance protects two-wheelers which run on electricity from potential damage and losses occurring due to accidents, natural calamities, or fire.
Priya, 28 Year Old Female (Bike Enthusiast)
Being the owner of a luxury bike might make you feel proud but you need to safeguard it against all types of damage and mishaps. You can get a comprehensive two-wheeler insurance as it covers both third-party liability and own damage. For enhanced protection, you can purchase appropriate add-ons, like Zero Depreciation Cover or a Return to Invoice Cover to protect it in case of theft or total loss. Engine Protection Cover and Consumables add-on also helps to cover its expensive engine and replacements cost of consumables, respectively.
Ritesh, 28 Year Old Male (Rides 8-year-old Bike Daily to Office)
Many motorcycle owners tend to overlook the importance of two-wheeler insurance for a 8-year-old two-wheeler, but it is legally required to have at least third-party insurance. It is also advisable to have own-damage coverage, which provides protection for repairs or replacement in the event of accidents, theft, fire, natural disasters, and more. It is also better to get a comprehensive bike insurance as it will protect your bike against a number of factors, which is important since you drive your bike daily.
Ram, 40 Year Old Male (Still Owns Decades Old Scooter, Locked in a Corner)
Some possessions hold sentimental value, like the scooter that has been in your family for generations. Although it is rarely used, it is still necessary to have at least third-party insurance coverage to comply with legal requirements. Since you don't actively ride the scooter, you can choose to forgo comprehensive insurance and add-ons.
Mayur Kacholiya
Product Head - Motor
If you are looking to renew your bike insurance policy with Digit for the first time, here are some benefits to look forward to:
Enter Bike Details
On the Digit App or website, enter bike’s registration number and select the policy status.
Choose a Plan
Select the type of bike insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
With your Digit Two-Wheeler Insurance, you also get exclusive access to a wide range of wellness perks, making taking care of yourself as well as your two-wheeler easier and more affordable:
To buy Digit bike insurance online, a load of paperwork is not required. Furnish only the following documents to buy a new two-wheeler insurance policy within minutes:
Registration Certificate
Previous Year Insurance Policy
Documents for KYC Verification
Mayur Kacholiya
Product Head - Motor
After purchasing a two-wheeler insurance policy, it is essential to download and keep a copy for future reference. With us, you do not need to carry hard copies of your insurance policy. You can simply download it from our app. 🙂 Follow these simple steps to download your policy document from the Digit website or app:
Login Your Account
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
Login
Open the Digit App and go to the "File Motor Claim" option. Login and you'll be directed to the "File Motor Claim" page. Click on the policy card to start claim filing.
Provide Details
Fill in all the details related to the accident and damage to the bike.
Enter Personal Details
Update your personal details and that's it, your claim is successfully filed, and you will receive the next steps on your email & WhatsApp.
Get cashless repairs at 9000+ garages across India
You and your friend who own a two-wheeler from the same company might be paying different insurance premiums, but why? Here are several factors that affect your bike insurance premium calculation differently, including:
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Provide Bike Details
Enter your bike’s registration number and select if your policy is expired or not.
Select Policy Type
Choose from the types of plans available- comprehensive, third-party or own damage.
Choose Add-ons
Select your insurance policy tenure and any required add-ons from the list.
Check Premium
On the bottom-left of the page, you will be able to see your bike insurance premium amount.
The third-party bike insurance premium is charged based on a bike’s engine capacity. Let’s have a look at the prices for the year 2019-20 vs 2022
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The demand for two-wheelers is rising exponentially in India, which calls for the increasing need of two-wheeler insurance as well, leading to India’s motor insurance market size estimate at ₹1.53 trillion by 2028.
Here are other important statistics related to two-wheeler insurance in India.
Get insights into the growth and trends of the two-wheeler insurance market in India from 2014-2024. The market is distributed among the North, South, East, and West regions.
Know more about Cashless Bike Insurance.
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The Insured Declared Value (IDV) of the two-wheeler is adjusted for depreciation value of your bike as per the below table.
In the table, age-wise depreciation is applicable for only Total Loss/Constructive Total Loss (TL/CTL) claims.
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If you’ve never bought a bike insurance for your bike, it’s still never too late to get one. However, here are the three most important things you should keep in mind before buying a bike insurance for your old bike.
Know more about Old Bike Insurance.
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Let's understand why it's important to renew your expired bike insurance policy on time:
Know more about Renew Expired Bike Insurance Policy
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Buying bike insurance online not only makes things easier and more convenient for you, but also helps reduce costs and hence, your bike insurance premiums!
Two Wheeler Insurance for Popular Models in India