Bike Insurance in Ludhiana
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Buy/Renew Two-Wheeler Insurance in Ludhiana Online
Ludhiana is a large industrial city in Punjab renowned for displays of pottery, musical instruments, and traditional Punjabi clothing. Ludhiana is the easiest city in India to do business in, according to the World Bank. It is ranked 1st in paying taxes, 4th in contract enforcement, and 7th in starting a business.
The growing industries and businesses have contributed to massive population growth. On top of that, pollution, improper traffic management, heavy vehicle movement, and theft are some major concerns for vehicle owners.
If you are a bike owner in Ludhiana, opting for two-wheeler insurance can be quite beneficial. You can get financial cover for any damage or loss caused to your two-wheeler.
Besides, it is also mandatory to opt for a third-party insurance policy for every vehicle owner in India according to the Motor Vehicles Act of 1988.
Therefore, while you search for a trusted insurance provider in Ludhiana to insure your two-wheeler, you can choose Digit. With Digit, you can customise your two-wheeler insurance policy with add-ons if you opt for a comprehensive plan and get hassle-free online claim settlement.
Read further to know more.
Why Do You Need Two-Wheeler Insurance in Ludhiana?
Let's look at the challenges faced by bike owners in Ludhiana, which makes having a valid two-wheeler insurance policy even more important.
Accident-Prone Area
Ludhiana has been marked with a high propensity to road crashes and deaths. Reports placed Ludhiana at number one position in the severity of accidents with a fatality rate of 69.9% driven by rash driving, drunk driving and have marked over 49 “black points” in the city to deal with the problem of the high rate of fatal accidents.
Irresponsible Management
Ludhiana embarks immense pollution due to crop stubble burning that leads to immense pollution and dust accumulation. Further, minimal traffic adherences, no strict guidelines and absence of proper actions towards traffic violators have increased irresponsible driving manifolds. According to Punjab Traffic Advisor, two-wheelers are involved in 75% of road accidents in the city.
Being the Business Hub
Ludhiana is known to be the business hub and has also witnessed the increased movement of heavy vehicles both on highways and city roads. Consequently, the city reported a total of 674 road accidents in 2018 according to MORTH reports, out of which 427 were fatal and 265 reported several injuries. Also, the movement of tractor trolleys increases in harvesting seasons leading to accidents.
Theft
According to Punjab police, the major reason for increased vehicle theft is the lack of proper parking spaces near academic institutions as the two-wheelers owned by students are the major targets.
How Digit Two-Wheeler Insurance Saves Your Bike in Ludhiana?
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.
End-to-end protection with Comprehensive Plan - The comprehensive insurance plan ensures a tension-free ride. It is apt for facing the challenges in Ludhiana that are mentioned above. Considering the theft and road accidents in Ludhiana, this policy becomes essential and will help you to recover the losses to your bike in any probable mishaps. And this plan can be customized with several add-ons to increase the scope of coverage.
Avoid Traffic Penalty: A third-party bike insurance plan avoids your expenses incurred on the traffic fines, which todate are quite heavy on the pocket. It is illegal to ride an uninsured bike. The penalty for such a traffic violation is ₹2000 and/or imprisonment of 3 months. So get third-party insurance before riding your bike and be law-abiding.
Add-ons for Ludhiana: Considering the issue of theft in Ludhiana, “Return To Invoice” is an essential add-on. With this cover, the insurance company pays you the complete worth of the vehicle (the on-road price paid for the vehicle) in case of theft. There are other add-ons like zero-depreciation, consumable cover, engine and gearbox protection, etc.
Personal Accident Cover: Ludhiana is prone to accidents, and hence the personal accident cover is indispensable. This takes care of your financial obligation in case you suffer from a permanent disability or death caused in an accident.
Why Choose Digit Two-Wheeler Insurance Policy in Ludhiana?
Key Features of Digit's Two-Wheeler Insurance in Ludhiana
What’s Covered in Two-Wheeler Insurance in Ludhiana by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Ludhiana:
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 Ludhiana
Following are the two wheeler insurance add-ons available in Ludhiana:
What’s Not Covered in Digit's Two-Wheeler Insurance in Ludhiana?
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 Ludhiana
| 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 Ludhiana
Here’s the list of Digit's top 25 cashless garages in Ludhiana, as of August 18th, 2025.
Digit Insurance Registered Offices in Ludhiana
Here is the list of office addresses in Ludhiana as of August 5th, 2025: