Honda Bike Insurance

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How much do you know about Honda two-wheelers – its history in India, the reason behind its popularity, Honda bike insurance policies and which policy would be your shot?

Let’s begin with some facts!

The name Honda is synonymous with that of two-wheelers in India. Despite the recent economic slump, the company became the leading seller of two-wheelers in India for six consecutive months from April to September ’19, as per reports published by the Society of Indian Automobile Manufacturers (SIAM). (1)

BHP-India analysed the market shares of all the Indian two-wheeler manufacturers as of August ‘19. According to that analysis, Honda currently holds a market share of 29%, making it the second-largest in that respect. (2)

These numbers more than substantiate the popularity of Honda two-wheelers among Indian consumers.

But despite the industry-first features offered by Honda two-wheelers, they cannot be protected against the various perils that can befall them on Indian roads. 

That is why it is crucial for you to avail a Honda two-wheeler insurance policy and protect yourself from the financial liabilities incurred due to damage to or by your vehicle. Your Honda Two-wheeler, like other vehicles, can incur substantial damages if involved in an accident. This can lead to significant expenses on your part. An insurance policy can help safeguard you under such scenarios.

Further, availing a third party liability two-wheeler insurance policy is also mandatory under the Motor Vehicle’s Act, 1988. If you ride an uninsured Honda bike, you can attract a traffic fine of Rs. 2000 and Rs. 4000 for repeated offence. 

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What’s Covered in Honda Bike Insurance



Common damages faced during accidents

Bike Theft


In case your bike or scooter is unfortunately stolen

Car Got Fire


Common damages faced due to a fire

Natural Disaster

Natural Disasters

Damages caused due to nature’s many furies

Personal Accident

Personal Accident

For times when you’ve hurt yourself too bad

Third Party Losses

Third Party Losses

When someone or something gets hurt for your bike’s actions

What’s not Covered

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:

Own Damages for Third-Party Policy holder

In the case of a Third-Party or Liability Only Bike Policy, damages to own vehicle won’t be covered. 

Drunk Riding or without a Licence

Your bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.

Driving without a valid Driving Licence holder

If you hold a learner’s licence and were riding your two-wheeler without a valid licence-holder on the pillion seat- then your claim in those situations won’t be covered.

Consequential Damages

Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged two-wheeler is being used incorrectly and the engine gets damaged, it will not be covered)

Contributory Negligences

Any contributory negligence(e.g. damage due to driving a two-wheeler in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)

Add-ons not Bought

Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.

Why should you buy Digit's Honda Bike Insurance?

Cashless Repairs

Cashless Repairs

4400+ Cashless Network Garages for you to choose from across India

Smartphone-enabled Self Inspection

Smartphone-enabled Self Inspection

Quick and Paperless claims process through a Smartphone-enabled self-inspection process

Super-fast Claims

Super-fast Claims

Average turn around time for two-wheeler claims is 11 days

Customize your Vehicle IDV

Customize your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Honda Bike Insurance plans that fit your needs

Third Party

A Third-party Bike Insurance is one of the most common types of bike insurance;in which only damages & losses caused to a third-party person, vehicle or property are covered.


A Comprehensive Bike Insurance is one of the most valuable types of bike insurance that covers both third-party liabilities and damages to your own bike as well.

Third Party



How to file a Claim?

After you buy or renew our two wheeler insurance plan, you live tension free as we have a 3-step, completely digital claims process!

Step 1

Just call on 1800-258-5956. No forms to be filled.

Step 2

Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.

Step 3

Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

A Brief History of Honda Motorcycle and Scooter India Pvt. Ltd. (HMSI)

Why Must You Buy a Honda Two-Wheeler Insurance Policy?

What does Digit Offer Under their Honda Two-Wheeler Insurance Policy?

Can the Premium on Your Honda Two-Wheeler Insurance be Lowered? Learn How!

FAQs about Honda Bike Insurance Policy Online in India