Cashless Two Wheeler Insurance

usp icon

9000+ Cashless

Network Garages

usp icon

96% Claim

Settlement (FY24-25)

usp icon

24*7 Claims

Support

Get Instant Policy in Minutes*
search

I agree to the  Terms & Conditions

It's a brand new bike
background-illustration
Manasvi Gupta

Written By:

Manasvi Gupta

Manasvi Gupta

Manasvi Gupta

Content Writer

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-black-white-test

Reviewed By:

Mayur Kacholiya

mayur-black-white-test

Mayur Kacholiya

Product Head - Motor

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.

Cashless Bike Insurance in India with 9000+ Network Garages

What is Cashless Bike Insurance?

What is Cashless Bike Insurance?

  • After an accident, the individuals seek facility and insurance assistance which will enable them to get the bike repaired at any of the two-wheeler garage as enlisted by the insurance provider.
  • It becomes a  Cashless Bike Insurance when the policyholder does not have to spend a penny from their pocket instead the insurance company will pay for all the repair bills. You can take benefit under the cover at the time of claim.
  • Before we get into the details on how useful is Cashless Bike Insurance, let us look at each type of cover under Motor Insurance Policy in detail.
  • Comprehensive Insurance Policy: A motor policy in which you choose to buy cover for yourself, your bike, and the third party is called the Comprehensive Bike Insurance Policy. It will protect you at the time of accident, fire, theft, natural calamities, and other similar events which are not under your control.
  • Third-Party Liability Policy:Third-party Bike Insurance protects the third party which are involved in the accident. They may sustain bodily injury and property damage. If the insured or the vehicle owner is at fault, then she/he is held liable to pay for the cost of legal and medical aid.
  • Check: Use the Bike Insurance Calculator to calculate the third-party or comprehensive policy premium.

Read More

Read Less

How Does a Bike Insurance Work?

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.

Cashless Bike Insurance - A Clear Picture

Cashless Bike Insurance - A Clear Picture

  • To make use of the cashless facility it will be wise to know a clear picture on Cashless Bike Insurance. The idea is to comprehend how does the cashless insurance facility operate. The insurer tie-up with the selected garages who provides excellent service and repair assistance.
  • At the time of the claim, the insured is directed to visit a particular garage and get the repairs done. The garage representative will then send the bills of the repair to the insurance company.
  • As an insured, your must intimate the insurance company in detail about the nature of damage/accident. After the verification of all the details, the insurer will clear the payment as per the limits mentioned in the policy. 

What are the Documents Required for the Cashless Bike Insurance Claim?

What are the Documents Required for the Cashless Bike Insurance Claim?

  • At Digit, you do not need any documents. All the claims are smartphone-enabled or can be requested online. The process is quick and absolutely paperless.
  • A few things to know about Cashless Bike Insurance
  • If you have opted for cashless bike insurance, you are assured that all the expenses incurred at the time of claim will be paid by the insurer. But here is what you should know more about bike insurance:
  • There can be times when getting a cashless facility at one of the listed garages gets difficult. In such a case, you can get the bike repaired and pay for it. Later, collect all the bills from the garage and submit them to the insurer. They will reimburse you the amount as per the report of the surveyor.
  • Not all the parts of the bike are covered under the insurance. You should be aware of these parts and should not wait for the repair process. The insured will have to pay for the expenses of such parts.
  • Cashless Bike Insurance facility is made convenient and handy by many insurance companies. It will be sound if you compare the options well before making a decisive choice.

Disclaimer: The total number of claims settled and amount paid in claims is for two-wheeler policies since inception till 31st December-2024. 96% claims settled for Overall Motor line of business of Digit. CSR Is calculated for FY 24-25. CSR Ratio is count of (Claims paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End). 9000+ cashless garage network count as of 31st March-2025.

Why Choose Cashless Bike Insurance by Digit?

Your bike insurance not only comes with a super-easy claim process, but also with the option to choose a cashless settlement

Cashless Repairs

Cashless Repairs

9000+ Cashless Network Garages for you to choose from across India

Smartphone-Enabled Self Inspection

Smartphone-Enabled Self Inspection

Quick and paperless claims through Smartphone enabled processes that make you go "That's it?"

Super-fast Claims

Super-Fast Claims

We’ve settled 96% of all two-wheeler claims! Experience claims that make you go “that’s it?”

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

Complimentary Wellness Benefits

Get exclusive wellness benefits on the Digit App offered by top-rated health and wellness partners.

Latest News

Currently there are no news to show.

Read More

Digit’s Motor Insurance Claim Settlement Ratio is 96% for FY’25

Digit’s Motor Insurance Claim Settlement Ratio is 96% for FY’25

When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:

  • Smartphone-enabled self-inspection process, with which you can file your claim in minutes!

  • Cashless Claims at over 9000+ garages in India, so you can get your two-wheeler fixed without stress. 

  • Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!

Key Features of Two-Wheeler Insurance by Digit

Key Features Digit Benefit
Premium Starting from ₹714
No Claim Bonus Up to 50% Discount
Customizable Add-Ons 8 Add-ons available
Cashless Repairs Available at 9000+ Garages
Claim Process Smartphone-enabled Claim process. Can be done online within 7 minutes!
Own Damage Cover Available
Damages to Third-Party Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

How to File & Track a Two-Wheeler Insurance Claim with Digit?

digit-play video
x

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.

digit-play video
x

Login

Open the Digit App and go to the ‘Check Motor Claim Status’ option. Here you can see the complete list of claims filed on your phone number.

Select Claim

Select the claim you want to check the status of. You can see the details of the claim, the current status, timeline, detailed summary, and repairer details too.