Bike Insurance in Bhopal
9000+ Cashless Garages
96% Claims Settled (FY 24-25)
Buy/Renew Two-Wheeler Insurance in Bhopal Online
Bhopal is a city in Madhya Pradesh and is well known for its greenery, lakes, and animal conservation parks. It is also referred to as the ‘City of Lakes’ for its various natural and artificial lakes. Bhopal is reported to be the 16th largest city in India and 131st in the world.
Bhopal has a number of large and medium industries operating in and around the city. It is the 16th largest city in India, and its streets remain crowded throughout the day due to high traffic congestion.
Moreover, the city suffers from poor road infrastructure and an increased number of accidents and is plagued with issues with illegal parking, overloading, etc. All this leads to increased chances of road mishaps.
If you are a bike or scooter owner in Bhopal, having a two-wheeler insurance plan is critical to protect yourself from unwanted financial loss due to damage, theft, or accident.
Furthermore, the Motor Vehicles Act of 1988 has made it essential for every vehicle owner to purchase at least a third-party insurance cover.
If you are looking for a two-wheeler insurance plan, you can get one from Digit. This company has thousands of network garages all over India.
To find out more about what Digit offers, keep reading.
Why Do You Need Two-Wheeler Insurance in Bhopal?
Let's look at the challenges faced by bike owners in Bhopal, which makes having a valid two-wheeler insurance policy even more important.
Irresponsible Driving
Bhopal traffic statistics also state that a major reason for accidents in the city is due to drunk driving and rash driving. In 2018 alone, 3,508 accidents were reported in the city of which 3,001 people were injured. In addition, illegal parking of autos, illegal overloaded autos in encroached areas and heavy trucks plying during day time also cause accidents.
Frequent Road Accidents
In 2018, Bhopal recorded one accident every 25 minutes, with every ninth being fatal. Fatalities rose by 30%, totaling over 327 deaths. Key causes included lane encroachments, illegal parking, and poor road conditions. To avoid financial stress from hospitalisation, ensure you have two-wheeler insurance with PA cover or a reliable health policy.
Accident-Prone Area
According to Bhopal traffic police, 9 black spots (accident-prone areas) have been marked within the city including commercial hub MP Nagar, posh and residential areas like Hoshangabad Road, Habibganj, TT Nagar, Bag Sewania, among others.
Unplanned Road Infrastructure
The city’s layout was adapted to handle current population levels, with roads widened for increased traffic. However, experts have identified geometric flaws in road design that raise accident risks. Additionally, roads built in rural and outer city areas lack infrastructure and safety features. Many of these roads connect abruptly to highways, increasing the chances of collisions with fast-moving vehicles.
What Makes Digit Ideal for Two-Wheeler Owners in Bhopal?
Digit offers complete protection to the two-wheeler riders against the unforeseen expenses that could occur due to an umpteen number of reasons on the road while driving through its insurance plans.
And the important fact is everything is online. So no long queues, no waiting, no complex jargon, and no paperwork! Just a simple smartphone-enabled, online insurance facility with super-fast claims and settlements.
- Range of Two-Wheeler Policies Available: Digit offers three types of two-wheeler insurance. Third-party bike insurance, which covers only third-party liabilities such as injury, death, or property damage. Own damage bike insurance, which covers loss and damage to your own bike, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party bike insurance policy, and lastly, there's comprehensive bike insurance, which covers both own damage and third-party claims.
- Stay Away from Heavy Traffic Penalty: Recent amendments in the traffic fines (Motor Vehicle Amendment Bill 2019) levied heavy fines for traffic violations. For the non-holding of third-party bike insurance, bike riders will be imposed with a ₹2,000 fine and/or 3 months of imprisonment. Digit’s third-party insurance plan can save you from such expenses. However, we always motivate bikers for attended and rule-based riding.
- Get Shielded with Comprehensive Policy: The comprehensive bike insurance plan can be your best pal in Bhopal because it will assist you when your bike needs a repair from accidental damages. Considering the traffic challenges in Bhopal, the Comprehensive Plan will be the best fit for your bike. This will help you recover the cost of damages to your bike caused by any kind of accident due to some senseless drivers on the roads of Bhopal. You can customize this policy with multiple add-ons in order to avail wider protection.
- Add-ons Apt for Bhopal: Just look at the statistics of fatality in road accidents in Bhopal. Do you think it is safe to ride in Bhopal? But you cannot just stop commuting! So a personal accident cover is a must along with the base policy. This will take care of your financial liability if you suffer from a permanent disability or death in an accident. Unlike other add-ons, this one can be bought with both the stand-alone TP policy and the comprehensive policy. You can opt for a “Zero Depreciation Cover” if your two-wheeler is new. There are other add-ons like the consumable cover, return to invoice, etc., that you can explore while buying the insurance.
Why Choose Digit Two-Wheeler Insurance Policy in Bhopal?
Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
Cashless Repairs
9000+ Cashless Network Garages for you to choose from across India
Smartphone-Enabled Self Inspection
Quick and paperless claims through Smartphone enabled processes that make you go "That's it?"
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
With us, you can customize your vehicle IDV as per your choice!
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.
Key Features of Digit's Two-Wheeler Insurance in Bhopal
What’s Covered in Two-Wheeler Insurance in Bhopal by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Bhopal:
Accidents
Damages and losses that may arise due to an accident or collision.
Theft
Covers for your losses in case your two-wheeler is unfortunately stolen!
Fire
Damages and losses to your two-wheeler in case of an accidental fire!
Natural Disasters
Damages caused to your two-wheeler due to nature’s many furies, such as due to floods, cyclones, etc.
Personal Accident
Covers for your expenses in cases where you’ve hurt yourself too bad!
Third-Party Losses
When a person, a vehicle or a property is hurt or damaged due to your bike's actions.
Two-Wheeler Insurance Add-Ons Available in Bhopal
Following are the two wheeler insurance add-ons available in Bhopal:
What’s Not Covered in Digit's Two-Wheeler Insurance in Bhopal?
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
Own Damages for Third-Party Policy holder
In the case of a Third-Party Bike Policy, damages to own vehicle won’t be covered.
Drunk Riding or without a Licence
Situations where you were riding drunk or without a valid two-wheeler licence won't be covered.
Add-Ons Not Bought
Some situations are covered in add-ons. If you haven’t bought those, the corresponding situations will not be covered.
Contributory Negligences
Any contributory negligence (e.g. driving in flood) won't be covered.
Consequential Damages
Any damage which is not a direct result of the accident will not be covered.
Driving without a valid Driving Licence Holder
If you hold a learner’s licence and were riding without a valid licence-holder then your claim won’t be covered.
Two-Wheeler Insurance Plans in Bhopal
Third-Party Bike Insurance
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.
Comprehensive Bike Insurance
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.
Own Damage Bike Insurance
The own damage bike insurance is for yourself; it covers loss and damage only to your own two-wheeler in case of accidents and collisions, natural calamities, fires, and thefts.
Third Party
Comprehensive
Own Damage
|
Damages/Losses to own two-wheeler due to an accident |
×
|
✔
|
✔
|
|
Damages/Losses to own two-wheeler in case of fire |
×
|
✔
|
✔
|
|
Damages/Losses to own two-wheeler in case of a natural calamity |
×
|
✔
|
✔
|
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
|
Personal Accident Cover |
✔
|
✔
|
×
|
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
|
Theft of your scooter or bike |
×
|
✔
|
✔
|
|
Customize your IDV |
×
|
✔
|
✔
|
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party two wheeler insurance
How to Buy Two-Wheeler Insurance in Bhopal with Digit?
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, and start the payment.
Complete Payment & KYC
Complete the payment and mandatory KYC verification process. Once completed, the policy will be issued and available in Digit App.
Digit's Cashless Garages
Get cashless repairs at 9000+ garages across India
Popular Cashless Garages in Digit's Network in Bhopal
Here’s the list of Digit's top 13 cashless garages in Bhopal, as of August 18th, 2025.