General
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Bike Insurance in Rajkot
Rajkot is the fourth-largest city in the state of Gujarat after Ahmedabad, Surat, and Vadodara. This is in the centre of the Saurashtra region of Gujarat.
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The city is also the 35th-largest urban agglomeration in India, with a population of more than ~1.8 million as of 2018. The city contributes to the economy of the state with heavy and small-scale industries under the patronage of Gujarat Industrial Development Corporation (GIDC) and Gujarat State Financial Corporation (GSFC). Industrial products include bearings, diesel engines, kitchen knives and other cutting appliances, watch parts (cases and bracelets), automotive parts, the forging industry, CNC machines, auto parts, and diesel engines and submersible pumps, among others. Being one of the largest metropolitan areas of Gujarat and India, the streets of Rajkot are often filled with heavy traffic. The city is home to many heavy- and medium-scale industries. However, poor traffic management, waterlogging due to massive rains, cyclones, and illegal encroachment along the highways often lead to accidents and fatalities. Therefore, if you are a bike owner in Rajkot, you need to opt for a two-wheeler insurance policy to stay financially protected against the losses and damages caused due to an accident. Moreover, the Motor Vehicles Act of 1988 has mandated a third-party insurance policy for every Indian vehicle owner. While choosing a trusted insurance provider for your vehicle, you can select Digit. Digit is one of the most reliable insurance providers in India. With Digit, you can choose between various insurance policy plans, such as third-party, comprehensive, and own damage bike insurance policies. Read below to get a detailed idea of all three.
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Why Do You Need Two-Wheeler Insurance in Rajkot?
Let's look at the challenges faced by bike owners in Rajkot, which makes having a valid two-wheeler insurance policy even more important.
Increased Accidental Rates
According to State Traffic Branch report, two-wheelers were involved in more than 30% of the accidents in Gujrat over the last two years. In 2017, of the 19,081 road accidents, 6,086 involved two-wheelers of which 2,038 were fatal. Most of these accidents are caused by irresponsible drivers, traffic violations, hit from other vehicles especially from behind and rash driving.
Poor Road Infrastructure
Road experts reported the presence of faulty road engineering in Rajkot leading to fatal accidents. Police have identified 25 such black spots on national highways passing through Gujarat and 45 black spots on state highways.
Encroachments Around Highways
The illegal settlements across the industrial areas by labour class and immigrants are a major reason for accidents, especially at night for heavy vehicles and other highway users. The major problems are the hindrance of visibility and high speed.
Climatic Downfall
Rajkot faces cloudburst rainfall due to cyclonic circulation, causing severe waterlogging and disrupting daily commutes. Such conditions often damage engines, motors, and can even wash away vehicles. These natural calamities heighten the risk of accidents from collisions, open manholes, and potholes. Additionally, slow-moving traffic leads to long jams across the city, further increasing accident risks.
What Makes Digit Ideal for Two-Wheeler Owners in Rajkot?
The offering is Online and Easy – two simple words to simplify the most complicated term ‘insurance’. Digit offers plans ranging with comparatively the best insurance deals with self-inspection based, hassle-free, super-fast claim process.
The plans are flexible as per your requirements. Example: You can customize the IDV as per your needs before buying the policy.
- Choose from Various Two-Wheeler 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.
- Keep Away from Traffic Fines: It is illegal to ride a bike without insurance on Indian roads. As per the MV amendment in September 2019, if you are caught riding an uninsured bike then you will be charged with a penalty of ₹2000 for this offence. Even you may be put behind the bars for 3 months and your licence may get cancelled. So make sure that you have at least a third-party bike insurance before you start riding.
- Get protected with Comprehensive Insurance Plan: As per the challenges mentioned above, it is advisable that you should go for a comprehensive insurance policy to protect your bike. As Rajkot is prone to floods and the probability of accidental damages on the poor roads is high, a comprehensive policy will be your saviour in such conditions. Plus this can be loaded with multiple add-ons to increase the protection.
- Add-Ons Fit for Rajkot: As per Rajkot is concerned, ‘Return to invoice’ can be the best choice as it can help you get back the entire amount of your two-wheeler’s invoice value, in case you suffer from a complete loss of the vehicle during a flood. Considering the fatality in the road accidents the personal accident cover becomes unavoidable. This supports financially if you suffer from a permanent disability or death in an accident.
Why Choose Digit Two-Wheeler Insurance Policy in Rajkot?
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 Rajkot
What’s Covered in Two-Wheeler Insurance in Rajkot by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Rajkot:
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 Rajkot
Following are the two wheeler insurance add-ons available in Rajkot:
What’s Not Covered in Digit's Two-Wheeler Insurance in Rajkot?
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 Rajkot
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 Rajkot 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 Rajkot
Here’s the list of Digit's top 25 cashless garages in Rajkot, as of August 18th, 2025.
Digit Insurance Registered Offices in Rajkot
Here is the list of office addresses in Rajkot as of August 5th, 2025: