Bike Insurance in Kanpur
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Buy/Renew Two-Wheeler Insurance in Kanpur Online
Kanpur, the largest city in Uttar Pradesh is well renowned for its leather and textile industry worldwide. Being a major commercial centre of North India, Kanpur is listed as the 12th most populous and 11th most populous urban agglomerated city in India. The growth in population and business opportunities has resulted in a heavy crowd on the Kanpuria roads. Despite being a top commercial hub, the city has a highly dilapidated road infrastructure that is insufficient to cater to the growing demands of the city residents. Moreover, thefts and accidents are quite common.
Kanpur witnesses considerable traffic daily. The number of two-wheelers is increasing day by day. If you are a bike owner in this city, it is essential to have a two-wheeler insurance plan. A bike insurance policy provides financial assistance to cover your damages and losses caused due to any accident or damage.
Also, the Motor Vehicles Act of 1988 made it compulsory for every vehicle owner to buy at least a third-party cover.
If you are looking for a reliable insurance provider in Kanpur, Digit is one among them. With Digit bike insurance plan, you get a wide range of benefits. Continue reading to know more.
Why Do You Need Two-Wheeler Insurance in Kanpur?
Let's look at the challenges faced by bike owners in Kanpur, which makes having a valid two-wheeler insurance policy even more important.
Lack of Traffic Management
Most of the busy/commercial areas of Kanpur still lack proper traffic signals or traffic constables. The mismanagement is the main reason for accidents in the area especially at night when bike riders or any other vehicles drivers tend to ignore all the traffic rules.
Dilapidated Infrastructure
Kanpur’s infrastructural status and management, both are adverse and have marked the city with potholed roads, eight to ten hours long power cut and overflowing drains.
Theft
Kanpur has marked increased vehicle theft especially due to lack of proper parking areas and narrow lanes across the city. With no proper surveillance, it also becomes easy to move vehicles without proper documentation and ease the illegal sale and purchase of stolen bikes/scooters.
Fatal Accidents
According to the MoRTH report 2017, the city marked 608 fatal road accidents, while 960 were severely injured. Out of these, most are cases of rash driving, drunk driving, and third-party faults. Other reasons also include crowded roads whereby the footpaths are occupied by hawkers and encroachments, making it difficult for bikes to move easily
What Makes Digit Ideal for Two-Wheeler Owners in Kanpur?
The Motor Vehicles Act, 1988, mandates the purchase of a third-party insurance policy for any two-wheeler purchase. Digit’s bike insurance policy brings in holistic safety for one’s life, money, property, third-party damage, and of course the heavily invested money on the bikes/scooters.
- Types of Policy 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.
- Avoid Heavy Traffic Penalties: The fines associated with the traffic violations are quite heavy on the pocket since the latest revisions in the laws. A third-party insurance plan can cover your expenses incurred as a penalty for a traffic violation of riding an uninsured bike. According to the Motor Vehicle Amendment Bill in 2019, the penalty for missing insurance is ₹2000 and/or jail time of 3 months.
- Cover Big Expenses with Comprehensive Policy: The comprehensive bike insurance plan ensures a tension-free commute. Giving consideration to the issues like damaged roads, bumper-to-bumper traffic, accidents, and vehicle theft in Kanpur, comprehensive bike insurance is a perfect choice to opt for. Because in such conditions the bike stands vulnerable to damages, and this policy will save you from spending money from your pocket if something unfortunate happens. You can go for add-ons for extra protection as well and ride safely in the Manchester of India.
- Suitable Add-Ons for Kanpur: Add-ons like “Return to invoice” can be really helpful if your bike is stolen. With this add-on by your side, the on-road price of the bike will be paid in case of theft. Other add-ons like engine & gearbox protection, consumable cover, and breakdown assistance can be very helpful in specific conditions. These come at independent costs over the base plan.
- Must Have PA Cover: Personal accident cover is an add-on that takes care of your financial obligations in case you suffer from a permanent disability or death due to an accident. Looking at the number of fatal accidents in Kanpur, this add-on becomes crucial. Unlike other add-ons, this can be purchased with third-party bike insurance as well.
Why Choose Digit Two-Wheeler Insurance Policy in Kanpur?
Key Features of Digit's Two-Wheeler Insurance in Kanpur
What’s Covered in Two-Wheeler Insurance in Kanpur by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Kanpur:
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 Kanpur
Following are the two wheeler insurance add-ons available in Kanpur:
What’s Not Covered in Digit's Two-Wheeler Insurance in Kanpur?
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 Kanpur
| Third Party | Comprehensive | Own Damage |
Damages/Losses to own two-wheeler due to an accident |
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Damages/Losses to own two-wheeler in case of fire |
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Damages/Losses to own two-wheeler in case of a natural calamity |
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Damages to Third-Party Vehicle |
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Damages to Third-Party Property |
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Personal Accident Cover |
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Injuries/Death of a Third-Party Person |
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Theft of your scooter or bike |
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Customize your IDV |
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Extra protection with customized add-ons |
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| Get Quote | Get Quote | Get Quote |
Know more about the difference between comprehensive and third party two wheeler insurance
Digit's Cashless Garages
List of 9000+ Network Garages >Popular Cashless Garages in Digit's Network in Kanpur
Here’s the list of Digit's top 13 cashless garages in Kanpur, as of August 18th, 2025.
Digit Insurance Registered Offices in Kanpur
Here is the list of office addresses in Kanpur as of August 5th, 2025: