Bike Insurance in Ernakulam
9000+ Cashless Garages
96% Claims Settled (FY 24-25)
Buy/Renew Two-Wheeler Insurance in Ernakulam Online
Ernakulam is the central part of Kochi of Kerala. It has many significant establishments, including the office of Kochi Municipal Corporation, Kerala High Court, and Cochin Shipyard. It is also a famous tourist spot attracting many visitors.
However, the city of Kochi features a tropical monsoon climate with heavy rainfall. This area also sees massive traffic congestion on a daily basis. There has also been major growth in the population and number of vehicles in recent years.
Under such circumstances, bike owners can face unforeseen situations like accidents, personal vehicle damage, etc.
Thus, having a two-wheeler insurance policy becomes crucial for them to safeguard their finances in case of mishaps.
If you are a bike owner in Ernakulam looking for two-wheeler insurance, Digit can be a suitable option for you. With them, you can customise your policy add-ons as per your choice and budget.
To find out more, read on.
What Makes Digit Ideal for Two-Wheeler Owners in Ernakulam?
Digit is one of the trusted two-wheeler insurance providers. If you purchase bike insurance from Digit, you will get multiple benefits. They are:
- Paperless Claims Settlement Process: The claim settlement process in Digit is super-fast and comes with a smartphone-enabled self-inspection feature. Just dial their number as mentioned on the website, and you will get a link on your mobile. Visit the link for self-inspection and follow the steps mentioned. Upload clear images of the damaged parts of your vehicle and wait for the response. The team will get back to you at the earliest with a quote. You can then opt for reimbursement or a cashless mode of repair.
- Customise Your IDV: The Insured Declared Value, or IDV, is the current market value of your bike. The IDV plays a vital role in determining the bike insurance sum insured and the policy premium amount. With Digit, you get to customise the IDV in bike insurance on the basis of your budget and requirement.
- Get Round the Clock Customer Support: We are always available to solve your insurance-related queries 24/7. This is one of the most significant benefits you can get with Digit. You can have any of your issues resolved even on national holidays.
- Thousands of Digit Network Garages: In case you choose cashless repairs while claiming the insurance policy, you can take your damaged bike to any of Digit's network garages. These are present all over India, and you can get your bike damages fixed without paying any extra from your end. These network garages also provide a 6-month warranty on all the repairs done on your bike.
How Digit Two-Wheeler Insurance Protects Your Bike in Ernakulam?
If you opt for Digit's bike insurance policy in Ernakulam, you will get the following benefits. Check them out below.
- Avoiding Legal Penalties: The Motor Vehicles Act 1988 makes it obligatory for you to have at least third-party bike insurance. If you ride a bike without a bike insurance policy, you can face a penalty of ₹ 2,000. In case of repeated offences, you may have to pay ₹ 4,000. For serious incidents, it can also lead to 3 months of imprisonment or even cancellation of your license.
- Wide Range of Two-Wheeler Insurance 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.
- Personal Accident Cover: You can get a personal accident cover that will financially cover your medical expenses and safeguard your family finances in case of personal injury, permanent disabilities, or even death.
- Get Wide Range of Add-ons: Add-ons extend your insurance coverage beyond the basic plan. However, you need to pay a nominal additional monthly charge to avail of this coverage. Digit offers a varied range of add-ons, such as consumable cover, tyre protect, breakdown assistance, etc. You can choose any add-on coverage as per your requirement and convenience.
Why Choose Digit Two-Wheeler Insurance Policy in Ernakulam?
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 Ernakulam
What’s Covered in Two-Wheeler Insurance in Ernakulam by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Ernakulam:
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 Ernakulam
Following are the two wheeler insurance add-ons available in Ernakulam:
What’s Not Covered in Digit's Two-Wheeler Insurance in Ernakulam?
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 Ernakulam
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 Ernakulam 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 Ernakulam
Here’s the list of Digit's top 12 cashless garages in Ernakulam, as of August 18th, 2025.