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Why Do You Need Two-Wheeler Insurance in Delhi?
Let's look at the challenges faced by bike owners in Delhi, which makes having a valid two-wheeler insurance policy even more important.
Fatal Accidents
Being overly crowded with bumper-to-bumper traffic, the chances of road accidents are relatively high in Delhi. According to Delhi police reports, 1,690 fatal road accidents were reported in 2018 as against 1,584 in 2017. Out of this, 33.72% of the accident victims were riding two-wheelers.
Irresponsible Driving
City riders are often reckless, engaging in rash driving, ignoring traffic rules, and running signals. Even cautious drivers are at risk due to others' negligence. According to Delhi Police, 44% of road accident deaths are hit-and-run cases. Since 2018, Delhi mandates a ₹15 lakh personal accident cover in motor policies for driver fatalities. IRDAI also requires insurers to offer this cover with third-party insurance for an added premium of ₹750.
Snarled Up Traffic
The national capital is overly congested in terms of traffic and road infrastructure despite its continuous effort for development. Increasing population and a higher propensity for expenditure on luxury lifestyle result in an increased number of vehicles on-road every single day! According to a study conducted by location technology expert in Mumbai, Delhi recorded an average of 58% traffic congestion in 2018.
What Makes Digit Ideal for Two-Wheeler Owners in Delhi?
Digit’s bike insurance plan offers protection against liabilities that arise from injuries to the rider, own bike and the third parties as well, depending on the kind of policy you purchase.
- Choice of Policies: 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.
- Avoidance of Heavy Penalties: With Digit’s third-party bike insurance, heavy penalties and fines imposed by Delhi Traffic Police can be avoided. Otherwise, you will face a penalty of ₹2000 for the offence of riding without insurance.
- Get Protected with Comprehensive Policy: With Delhi roads being highly prone to accidents and third-party faults, the comprehensive insurance policy can safeguard your life and vehicle against any third-party damages on the road, accidental expenses, natural disasters, and theft.
- Add-Ons Suitable for Delhi: Digit offers add-on features or optional covers to increase the level of coverage provided under the base comprehensive policy. Delhi experiences extreme summer, rainy, and winter conditions, which also hamper the vehicles’ life. The zero-dep cover, along with the base plan, covers the repair cost of damages resulting from accidents, fire, theft, or any natural calamity.
Why Choose Digit Two-Wheeler Insurance Policy in Delhi?
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
Quick and hassle-free claim process that's digital and paperless
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 Delhi
What’s Covered in Two-Wheeler Insurance in Delhi by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Delhi:
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 Delhi
Following are the two wheeler insurance add-ons available in Delhi:
What’s Not Covered in Digit's Two-Wheeler Insurance in Delhi?
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 Delhi
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 |
×
|
✔
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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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✔
|
|
Damages to Third-Party Vehicle |
✔
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✔
|
×
|
|
Damages to Third-Party Property |
✔
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✔
|
×
|
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Personal Accident Cover |
✔
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✔
|
×
|
|
Injuries/Death of a Third-Party Person |
✔
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✔
|
×
|
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Theft of your scooter or bike |
×
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✔
|
✔
|
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Customize your IDV |
×
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✔
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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
How to Buy Two-Wheeler Insurance in Delhi 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 Delhi
Here’s the list of Digit's top 25 cashless garages in Delhi, as of August 18th, 2025.
Digit Insurance Registered Offices in Delhi
Here is the list of office addresses in Delhi as of August 5th, 2025: