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Bike Insurance in Pune
Pune is the second-largest city in Maharashtra, after Mumbai. The city is considered to be the cultural capital of Maharashtra” and the Oxford of the East" due to the presence of nine universities and 811 colleges.
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Pune has grown culturally and is growing to be the IT hub of Maharashtra. It is home to various commercial and economic activities. There is a massive influx of workers and migrants from across and beyond the state. This has led to a rise in population, vehicle numbers, and subsequent congestion. The developmental works also impact the traffic flow. If you are a bike owner from Pune, you must purchase two-wheeler insurance to get financial cover in the event of any mishap or damage. Third-party insurance is also mandatory for all vehicle owners as per the Motor Vehicles Act of 1988. If you are looking for one in Pune, you can choose Digit, as it is one of the trusted insurance providers. When you choose Digit, you can opt for any of the two-wheeler insurance policies as per your budget and preference. You can get third-party, comprehensive, and own-damage bike insurance policies. Continue reading to get a brief idea of the three.
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Why Do You Need Two-Wheeler Insurance in Pune?
Let's look at the challenges faced by bike owners in Pune, which makes having a valid two-wheeler insurance policy even more important.
Increased Congestion
Pune is set to become one of the largest cities in India, with population growth predicted to grow to one crore by 2030. Currently, it accounts for ~21% of the state’s total vehicle population and is ranked 7th most congested city in India. Even though 40 flyovers were constructed to manage the congestion, it only resulted in the shift of traffic and not in its management.
Bike Registrations Increased
Pune being close to Mumbai, witnessed economic and industrial growth, pertaining to several IT and non-IT company settlements, encouraging mass labour force movement from rural to urban areas and even cross-state migration. This resulted in a sudden increase in population pressure. Consequently, two-wheeler registration increased manifold (vehicle density of 753 vehicles per 1,000 people).
Infrastructural Drawbacks
With several developmental plans under work-in-progress and encroachments on the busy main roads, a large channel of traffic is diverted from the main roads to several other by-lanes. Consequently, the heavy diverted traffic faces encroachments in the narrow side-lines which causes slower traffic, immediate brake propensity and high chances of accidents at close proximity.
Irresponsible Driving
According to police statistics, 637 fatal two-wheeler accidents were reported in Pune and Pimpri Chinchwad while over 1,000 suffered serious injuries between 2015-2018. Most of these deaths are due to ignorance of traffic rules, third party collisions due to rash driving or no helmets and reckless young drivers falling in the age group of 20-35 years.
What Makes Digit Ideal for Two-Wheeler Owners in Pune?
Digit insurance has carved out a new niche in the insurance landscape by providing a hassle-free process; right from selecting your policy to settling claims. Their well-thought-out insurance plans are complemented by excellent add-ons and good services.
- Choice of Insurance: 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 Hefty Fines: Pune traffic authorities make sure of a strict checking on vehicles and driving without an insurance document can get you in trouble. As per the Motor Vehicles Act, you will be levied a fine of Rs.2000 if you are caught driving without insurance. This can escalate to Rs.4000 for subsequent offences. Also, you might have to serve an imprisonment of 3 months. Digit’s third-party policy is the least you must have with you to avoid this.
- Safeguard Against Worst-Case Scenarios: With Pune witnessing an alarming increase in accidents, Digit’s comprehensive policy can be a shield from draining you financially in-case you land in any mishap. With an increase in the number of irresponsible drivers in Pune, the chances of facing accidents due to others’ negligence become common, and the traffic congestions are some tough challenges for any rider to keep the vehicle safe. So a comprehensive two-wheeler insurance policy will give you peace of mind.
- Add-Ons to Further Solidify Protection: Digit’s attractive add-ons can prove to be a boon on the Pune roads. In a city reeling under the pressure of traffic, the potency for an accident lurks at every corner. The components of the engine and gearbox are the most important and expensive as well, so Engine and Gearbox Protection will cover for any costs incurred while repairing the engine and gearbox or the transmission in all possible situations. With the passing years, the wears and tears on your two-wheeler will land you in a depreciation cost which will be deducted from your settlement amount. A zero depreciation cover can safeguard you against this.
- Get Secured with PA Cover: Who can resist a misfortune? Considering the rate of fatal accidents on Pune roads, the Personal Accident Cover becomes essential. With this add-on, your financial obligations will be taken care of by Digit, if you suffer from a permanent disability or death in an accident. Unlike other add-ons, this can be purchased with a stand-alone third-party policy as well.
Why Choose Digit Two-Wheeler Insurance Policy in Pune?
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 Pune
What’s Covered in Two-Wheeler Insurance in Pune by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Pune:
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 Pune
Following are the two wheeler insurance add-ons available in Pune:
What’s Not Covered in Digit's Two-Wheeler Insurance in Pune?
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 Pune
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 Pune 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 Pune
Here’s the list of Digit's top 20 cashless garages in Pune, as of August 18th, 2025.
Digit Insurance Registered Offices in Pune
Here is the list of office addresses in Pune as of August 5th, 2025: