Bike Insurance in Vadodara
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Buy/Renew Two-Wheeler Insurance in Vadodara Online
Vadodara (also known as Baroda) is an industrial city in Gujarat and is most famous for the various types of furniture, textiles, and handicraft items.
The city houses several institutions of national and regional importance along with various large-scale industries such as Indian Oil Corporation (IOCL), Gujarat State Fertilizers & Chemicals (GSFC), Indian Petrochemicals Corporation Limited (IPCL, now owned by Reliance Industries Limited), and Gujarat Alkalies and Chemicals Limited (GACL), among others.
Vadodara is a major industrial hub of Western India. Having road congestion in an industrial city like Vadodara is very common. On top of that, climatic challenges, poor road infrastructure, heavy vehicle movements, etc. lead to major accidents and mishaps.
So, if you own a two-wheeler in Vadodara, consider getting two-wheeler insurance at the earliest.
If you are searching for bike insurance providers, you can consider Digit. You can opt for a suitable two-wheeler insurance policy like Comprehensive Bike Insurance, Third-Party Bike Insurance, or Own Damage Bike Insurance as per your need. A bike insurance plan can be extremely beneficial, as it protects your finances against unpredictable damages or losses.
Also, you need to buy at least a third-party insurance cover if you own a vehicle, as per the Motor Vehicles Act of 1988.
If you are interested in knowing more about it, continue reading.
Why Do You Need Two-Wheeler Insurance in Vadodara?
Let's look at the challenges faced by bike owners in Vadodara, which makes having a valid two-wheeler insurance policy even more important.
Being Industrial Hub
Since the city is mainly industry-based, encroachments of large labour mass and movement of heavy commercial vehicles across the city and on highways are increasing day by day. This causes major accident tendency, especially at night when these trucks or lorries are at high speed on highways and a little irresponsible, causing a high number of fatalities.
Poor Road Infrastructure
Gujarat, as a whole, registered 19,081 road accidents in 2017, of which 7,289 were fatal, according to the report presented by the Commissionerate of Gujarat. So according to this report, 38 deaths take place in every 100 accidents. This is mainly due to the lack of proper administration and investment in the development of road infrastructure that leads to severe adversities and fatal accidents within the city.
Climatic Downfall
In 2019, the city witnessed 424mm of cloudburst rainfall due to cyclonic circulation resulting in waterlogging and adversely affecting the daily commute. It also leads to wear and tear of the engine, damage to the motor and many a time, washing away of vehicles all together or drowning in heavy floods. Additionally, slow-moving traffic causes heavy traffic jams across kilometres within the city with a high propensity to accidents.
What Makes Digit Ideal for Two-Wheeler Owners in Vadodara?
With Digit’s two-wheeler insurance plan, the hassle turns to ease by avoiding complex paperwork, long lines, and jargon-filled conversations with the agent. The company offers great coverage at a reasonable price. It's online and has a quick claim process, to add to the benefits!
- 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.
- Ride Legally, Don’t Get Fined: The expenses incurred on the traffic fines, which, in the current date, are quite heavy on the pocket. Penalties for traffic violations increased greatly post the Motor Vehicle Amendment Bill in 2019. Riding without insurance attracts a fine of ₹2000 and/or prison time of 3 months. Even your driving licence may get confiscated. So, having minimum third-party insurance will fulfill the legal mandate and save you from legal penalties.
- Comprehensive Plan, One Go-to Place: A comprehensive bike insurance plan with Digit can ensure peace of mind against all odds, be it the expense of own damage or huge third-party claims. Considering the heavy rainfall and flood-like situations in Vadodara, comprehensive insurance becomes essential, as it covers damages to the two-wheeler caused due to natural calamities. It also covers the bike against theft, vandalism, and similar situations. This can be loaded up with add-ons to increase the scope of coverage.
- Availability of suitable add-ons: Digit offers additional covers at an additional cost for enlarged protection. As per Vadodara, ‘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 or it becomes irreparable after a flood. Also, the ‘Personal Accident Cover’ is a must-buy add-on, as the probability of accidents and deaths related to the roads of Vadodara is remarkably high.
Why Choose Digit Two-Wheeler Insurance Policy in Vadodara?
Key Features of Digit's Two-Wheeler Insurance in Vadodara
What’s Covered in Two-Wheeler Insurance in Vadodara by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Vadodara:
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 Vadodara
Following are the two wheeler insurance add-ons available in Vadodara:
What’s Not Covered in Digit's Two-Wheeler Insurance in Vadodara?
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 Vadodara
| 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 Vadodara
Here’s the list of Digit's top 25 cashless garages in Vadodara, as of August 18th, 2025.
Digit Insurance Registered Offices in Vadodara
Here is the list of office addresses in Vadodara as of August 5th, 2025: