General
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Bike Insurance in Nashik
Nasik, an ancient holy city in Maharashtra on the banks of Godavari, found its significance with the Kumbh Mela ceremony celebrated every twelve years. The city is the third-largest city in Maharashtra after Mumbai and Pune.
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It is also dubbed the ‘wine capital of India.’ The city is commercially significant for its vineyards which account to over half of India’s vineyards and wineries. Despite being a commercially flourishing city, Nasik faces several traffic issues which make travelling through a two-wheeler very difficult within the city. The below points discuss some of these issues. When you are a bike owner in a busy city like Nashik, riding on the streets can be risky. The city of Nashik suffers from extreme weather, poor traffic management, and increased congestion. Thus, you need a two-wheeler insurance plan to avoid unnecessary financial losses during accidents or mishaps. Moreover, the Motor Vehicles Act of 1988 mandates every vehicle owner to have a third-party insurance cover. Thus, to ensure financial coverage during an accident and protection from legal complications, having a bike insurance policy is a must. There are various companies providing two-wheeler insurance plans, among which Digit is a renowned one. This company has network garages all over India that provide 6 months of warranty on all their repairs. You can choose from various types of insurance plans as per your need and budget. To know more about what Digit has to offer, read on.
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Why Do You Need Two-Wheeler Insurance in Nashik?
Let's look at the challenges faced by bike owners in Nashik, which makes having a valid two-wheeler insurance policy even more important.
Minimal Traffic Management
In 2018, the Nasik police identified 14 spots within the city which lacked traffic signal and required immediate attention due to increasing traffic. Despite the immediate action, the city still lacks civic administration at several massively populated areas like the PT Kulkarnai junction, Vihitgaon, among others. Even the Mumbai-Agra highway requires attention to minimize the propensity of accidents through speeding vehicles and commercial heavy vehicles.
Lives Lost on Road
An average of 15 people loses their lives every month on the roads of Nasik. Among them a large percentage are motorists. Although the traffic police have introduced many rules and regulations to curb the issue, over-speeding and irrational driving have caused many road accidents in Nasik.
Unforgivable Weather Conditions
The weather in Nasik ranges from the heavy rainy seasons during the months of June to September, to temperatures soaring up to 37 degrees in the summer months of April and May. During the rainy season, chances are that your bike might refuse to start. Potholes along the roads will prove to be a challenging hurdle to overcome during these seasons. All these can cause considerable wear and tear to your vehicle.
What Makes Digit Ideal for Two-Wheeler Owners in Nashik?
Being insurance sick in Nasik? Digit’s insurance plans will cure you! The company can safeguard you (as a two-wheeler owner) against any odds created out of these problems. Digit offers a complete end-to-end online bike insurance solution with easy claim settlements and much more.
- Choice of 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.
- Avoid Heavy Traffic Penalties: It is an illegal offence to ride an uninsured bike on Indian roads. If you are caught by the traffic authority while you are riding without insurance, then a fine of Rs. 2000/- will be imposed on you and/or you may be put behind bars for 3 months. Having third-party two-wheeler insurance will save you from such expenses.
- Complete Protection With Comprehensive Policy: No matter how careful you are as a rider, natural disasters and third-party claims might take a toll on you, and it’s always better to be protected than to curse your luck. Digit compensates for all the damages incurred due to third-party accidents, natural calamities, or own damages through the Comprehensive Bike insurance plan. With a potential for accidents lurking around every corner in Nasik, having a comprehensive insurance plan can safeguard you financially.
- Add-on to Widen Your Scope of Cover: Just looking at the statistics of the lives lost in the road accidents in Nasik, the “Personal Accident Cover” becomes essential, which will take care of your financial obligations in case you suffer from a permanent disability or death in a fatal accident. As heavy rains during monsoon can increase the probability of accidents and damages to your vehicle, the “Engine & gearbox protection cover” becomes relevant in Nasik. This add-on will help to recover the cost of repairing the engine when it’s damaged in an accident.
Why Choose Digit Two-Wheeler Insurance Policy in Nashik?
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 Nashik
What’s Covered in Two-Wheeler Insurance in Nashik by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Nashik:
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 Nashik
Following are the two wheeler insurance add-ons available in Nashik:
What’s Not Covered in Digit's Two-Wheeler Insurance in Nashik?
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 Nashik
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 Nashik 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 Nashik
Here’s the list of Digit's top 22 cashless garages in Nashik, as of August 18th, 2025.
Digit Insurance Registered Offices in Nashik
Here is the list of office addresses in Nashik as of August 5th, 2025: