Bike Insurance in Varanasi
9000+ Cashless Garages
96% Claims Settled (FY 24-25)
Buy/Renew Two Wheeler Insurance in Varanasi Online
Varanasi! Banaras! Kashi! With different names, the city is a renowned pilgrimage (holiest of seven sacred cities, ‘sapta puri,’ in Hinduism and Jainism) situated on the bank of the river Ganga in Uttar Pradesh.
The city is renowned as an industrial centre for muslin and silk fabrics, perfumes, ivory works, sculptures, and academic excellence through the Banaras Hindu University (BHU). In terms of tourism (the second most important industry to Varanasi), a total of 62.8 lakh tourists, both national and international, reported arrival in Varanasi in 2017. Due to this, there is a huge problem of congestion.
To add to it, there is miserable traffic management and a lack of suitable road infrastructure to handle the increasing crowd.
Huge traffic congestion on its main roads, congested passages, and even narrow by-lanes makes it difficult for vehicle owners to navigate through the city.
To avoid unnecessary expenses due to fatalities or other mishaps, you can get a two-wheeler insurance plan.
If you are looking for insurance providers in the market, Digit is the one you should surely opt for. With them, you can get complete online claim settlement, IDV customization and more.
To know more about Digit bike insurance plans, read on.
Why Do You Need Two-Wheeler Insurance in Varanasi?
Let's look at the challenges faced by bike owners in Varanasi, which makes having a valid two-wheeler insurance policy even more important.
Lack of Proper Infrastructure
The city witnesses huge traffic congestion on its main roads, narrow by-lanes and even the most congested passages despite the huge investment promises made by the central government. Fifteen road projects, terminal construction, Kashi-Vishwanath corridor, among others are just moving on surface-level with no actual developments.
Miserable Traffic Management
The city lacks proper traffic management at most of the junctions due to the absence of traffic police and road signals. No one wants to compromise on a clear traffic movement or withdrawal to let anyone pass. Secondly, because there is no systematic movement, the chaos increases multitude with the passage of time and grows longer causing huge traffic jams.
Increasing Commercialization
Varanasi is an industrial hub for textiles, perfumes, and sculptures and is fairly active in its operations. However, increased commercialization over recent years has witnessed a rising number of heavy vehicle movements within the city, which increases the chances of accidents manifold, even in close proximity.
There is Absolutely No Escape
Because of the high population density of Varanasi and the increasing number of tourists, there is a huge problem of pollution and pressures on infrastructure in the city. Varanasi was never meant to handle so much traffic with its narrow lanes and by-lanes within the city. Increasing tourism, a rise in the purchase of cars and bikes, and commutation even on the dingiest roads cause congestion.
Theft
Since the place is a tourist spot and the inflow is high, especially near the temples, colleges, famous eateries and Ganga banks (ghats), people here generally park vehicles on no parking areas and even on roads without proper safety. So theft has become common.
What Makes Digit Ideal for Two-Wheeler Owners in Varanasi?
With Digit’s two-wheeler insurance, you can ride with broad safety in the narrow lanes of Varanasi. The process of buying to claiming is simple, convenient, and online.
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 Fines: In order to reduce the complexities on the roads of Varanasi, traffic rules are followed in a strict manner these days. So, checking of legal documents of any vehicles is unavoidable in the process. In the absence of two-wheeler insurance, you will be charged with a penalty of ₹2000 and/or imprisonment of 3 months, and your driving license may be suspended too. Under such circumstances, third-party two-wheeler insurance can act as a rescue for you.
- All-in-one Protection with Comprehensive Plan: Since Varanasi faces a heavy propensity for accidents and third-party faults, the comprehensive insurance policy can safeguard you and your vehicle against any third-party damages, accidental expenses, natural disasters, and theft. This can be customized with multiple add-ons to broaden the coverage.
- Suitable Add-ons for Varanasi: As discussed above, theft is an issue to worry about for bike owners in Varanasi. So, the return to invoice cover form can beef up your basic comprehensive plan to face such issues. Zero depreciation cover can give much peace of mind if your bike is new. There are other add-ons like the consumable cover, breakdown assistance, etc.
Why Choose Digit Two-Wheeler Insurance Policy in Varanasi?
Key Features of Digit's Two-Wheeler Insurance in Varanasi
What’s Covered in Two-Wheeler Insurance in Varanasi by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Varanasi:
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 Varanasi
Following are the two wheeler insurance add-ons available in Varanasi:
What’s Not Covered in Digit's Two-Wheeler Insurance in Varanasi?
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 Varanasi
| 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 Varanasi
Here’s the list of Digit's top 13 cashless garages in Varanasi, as of August 18th, 2025.
Digit Insurance Registered Offices in Varanasi
Here is the list of office addresses in Varanasi as of August 5th, 2025: