Bike Insurance Calculator
Calculate Bike Insurance Premium Online
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Bike insurance Online, starting ₹752
It's a brand new Bike
9000+
Cashless Garages
1000 Crore+
Paid-in Claims
3 Cr+
Policies Sold
Why is it Important to Use a Bike Insurance Premium Calculator Before Buying?
It is tempting to pick the cheapest bike insurance quickly, but choosing the right policy is smarter. A bike insurance premium calculator can help you decide
How to Use Bike Insurance Premium Calculator?
Use the bike insurance calculator to check premium quotes for new or old bike insurance plans. Follow these steps to use it and find the right coverage for your bike.
Enter Bike Details
On the Digit App or website, enter your bike’s registration number and click on "View Prices".
Choose a Plan
Select the type of bike insurance plan and choose desired add-ons.
Enter Personal & Nominee Details
Enter your personal, nominee and vehicle details.
Previous Policy Details
Enter details of previous insurer and expiry date of the previous bike insurance policy.
That's It!
You will now see your final bike insurance policy premium calculated.
What are the Benefits of Using Two-Wheeler Insurance Calculator?
What are the Details Required to Calculate Two-Wheeler Insurance Premium?
- Enter your registration number
- The system will automatically fetch details like:
- Make
- Model
- Variant
- Year of manufacture
- Select the type of policy you want (e.g., Third‑Party, Own Damage, or Comprehensive).
- Choose any add-on covers (such as zero depreciation, roadside assistance, engine protect, etc.).
- Set the policy tenure (1 year, 3 years, or 5 years, depending on the plan).
- Apply your No Claim Bonus (NCB) if eligible.
- Finally, the calculator will auto‑calculate your insurance premium based on all the selected details.
How to Calculate a Two-Wheeler Insurance Premium for New & Old Bikes?
Step 1
Enter the city where the bike is registered.
Step 2
Select policy type (Third-Party or Comprehensive).
Step 3
Choose add-ons like Zero Depreciation, Roadside Assistance, or Personal Accident Cover.
Example of Bike Insurance Premium Calculation
To help you understand how the bike insurance premium is calculated, let’s look at a sample breakdown for a popular bike model “Honda Activa” with a comprehensive plan and add-ons:
- Bike: Honda Activa (2022)
- Policy Type: Comprehensive
- Add‑on Chosen: Zero Depreciation
Cost Breakdown:
Note: This is a sample premium structure meant only to help you understand how the two‑wheeler insurance premium is calculated. Actual values may vary based on insurer, city, bike age, and add‑ons selected. Use our Bike Insurance Calculator to get your exact quote instantly!
What is a Comprehensive Two-Wheeler Insurance Calculator?
A Comprehensive Two-Wheeler Insurance Premium Calculator is an online tool that helps you estimate the premium for a comprehensive two-wheeler insurance policy before purchasing it. Unlike a third-party-only policy, a comprehensive policy covers Own Damage (damage to your bike due to accidents, theft, fire, natural disasters) and Third-Party Liability (damage or injury caused to others)
The calculator uses several inputs to give an accurate premium quote, such as:
- Bike Age
- Deductibles
- Make & Model
- Insured Declared Value (IDV)
- Personal Accident (PA) Cover
- No Claim Bonus (NCB)
It instantly computes the premium and shows a customisable IDV, helping you balance cost vs coverage.
Third-Party Bike Insurance Premium Chart
The third-party bike insurance premium is charged based on a bike’s engine capacity. Let’s have a look at the prices,
Third-Party Electric Bike Insurance Premium Rates
Unlike a Comprehensive Bike Insurance Premium Calculator, a Third-Party Bike Insurance Premium Calculator depends on the power output (kW) for electric two-wheelers, and the premiums are predetermined by IRDAI.
Common Mistakes to Avoid While Using a Two-Wheeler Insurance Premium Calculator
Impact of Add-ons on Your Bike Insurance Premium
5 Tips to Reduce your Two-Wheeler Insurance Premium
Here are some tips and tricks to help reduce your bike insurance premium.
How to Renew Two-Wheeler Insurance with Digit?
Login
Login to Digit App or website and go to the ‘My Policy’ section.
Select Policy
Select the policy pending for renewal and click on ‘Renew Policy.’
Choose a Plan
Next, select the add-ons and tenure and confirm the 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.
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