Bike Insurance in Ghaziabad
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Buy/Renew Two-Wheeler Insurance in Ghaziabad Online
Ghaziabad is located in Uttar Pradesh and also forms part of the National Capital Region (NCR). Notoriously, it is also stated to be the most polluted city in India. The city is continuously reporting increased two-wheeler purchases, with ~1,726,160 two-wheeler vehicles sold in May 2019, with the Honda Activa the most preferred.
Two-wheelers have become one of the preferred modes of transport for many commuters. But, travelling through a city like Ghaziabad without two-wheeler insurance can be quite challenging.
You can opt for a comprehensive, third-party, and own-damage bike insurance policy from Digit to protect your finances from unpredictable losses. Two-wheeler bike insurance plans will cover expenses for thefts, accidents, fire, natural disasters, and third-party losses.
Besides, it is obligatory to have at least third-party bike insurance according to the Motor Vehicles Act, 1988.
Thus, if you are searching for a two-wheeler insurance policy in Ghaziabad, Digit can be one of your go-to options. To know more, keep reading.
Why Do You Need Two-Wheeler Insurance in Ghaziabad?
Let's look at the challenges faced by bike owners in Ghaziabad, which makes having a valid two-wheeler insurance policy even more important.
Accident-Prone Area
Ghaziabad’s AQI hovers around 500, indicating severe pollution—mainly from traffic and farm fires in Haryana and Punjab (source: The Times of India). The resulting smog reduces visibility, especially at night and during rush hours, increasing accident risks. In one report, the city recorded 374 road accidents, with 151 fatalities.
Increased Commercialization
Ghaziabad’s narrow, poorly maintained roads see constant movement of heavy vehicles like trucks and lorries, increasing the risk of third-party accidents—even with speed bumps and strict traffic rules. Reports show that nearly 50% of accidents involve personal cars and two-wheelers, while heavy and light vehicles account for 20%.
Over-Congested Traffic
Ghaziabad faces bumper-to-bumper vehicular traffic in the city. In 2019, GDA has even instructed the Central Road Research Institute to plan for traffic movement in the city to surpass the traffic congestion to minimal.
Theft
As reported by Ghaziabad traffic police department analysis 2019; 3,334 vehicles were stolen between January to October in 2019; the maximum is by way of vehicle theft which is reported to be 760. These thefts are majorly supported by the scarcity of parking spaces near markets, offices and residential areas.
What Makes Digit Ideal for Two-Wheeler Owners in Ghaziabad?
It is – Online. Quick. Customized. Further, who would not like a hassle-free, one-touch stop for all insurance requirements on his/her smartphone! What are the Insurance Options you get to choose?
- 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 Fines: It is illegal to ride an uninsured bike on Indian roads. The traffic penalty w.e.f. 2019 in traffic fines is elevated, and now for the offence of riding without insurance, it may cost you ₹2000 and/or imprisonment of 3 months and suspension of your driving license too. Under such circumstances, Digit’s third-party bike insurance can act as a rescue for you.
- Protection with Comprehensive Bike Policy: The plan will cover any loss to the vehicle and damages to the third party’s life/property/vehicle. This plan can further be customized in association with the add-ons to deal with the above mentioned.
- Personal Accident Cover: With increasing pollution and rate of accidents, personal accident cover through comprehensive insurance plan is highly advised for bike owners in Ghaziabad.
- Add-Ons that can Save Your Money in Ghaziabad: Ghaziabad’s climate is largely affected by Rajasthan's dust storms and snowfall in the Himalayas and the Kumaon and Garhwal hills. This accumulated dust and poorly maintained road infrastructure results in wear and tear of the vehicle and its major parts. So frequent repairs can be expensive. For such situations, you can opt for a zero-depreciation cover. As Ghaziabad is affected by the issue of bike thefts, return to invoice can prove to be a suitable add-on. You can explore other Digit add-ons at minimal individual costs over the base policy.
Why Choose Digit Two-Wheeler Insurance Policy in Ghaziabad?
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 Ghaziabad
What’s Covered in Two-Wheeler Insurance in Ghaziabad by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Ghaziabad:
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 Ghaziabad
Following are the two wheeler insurance add-ons available in Ghaziabad:
What’s Not Covered in Digit's Two-Wheeler Insurance in Ghaziabad?
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 Ghaziabad
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
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Damages/Losses to own two-wheeler due to an accident |
×
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✔
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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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✔
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Damages to Third-Party Vehicle |
✔
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✔
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×
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Damages to Third-Party Property |
✔
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✔
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×
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Personal Accident Cover |
✔
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✔
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×
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Injuries/Death of a Third-Party Person |
✔
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✔
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×
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Theft of your scooter or bike |
×
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✔
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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 Ghaziabad 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 Ghaziabad
Here’s the list of Digit's top 14 cashless garages in Ghaziabad, as of August 18th, 2025.