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Bike Insurance in Visakhapatnam
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Buy/Renew Two-Wheeler Insurance in Visakhapatnam Online
Vishakhapatnam (commonly referred to as Vizag) is the largest city (both in terms of area and population density), the financial and industrial capital of Andhra Pradesh. The city is marked with a population of ~5.18lakh, high literacy rate (~74%) and average annual growth rate of 2.17% (for the period 2006-2020) and driving high disposable income. The city has seen a massive rise in population and vehicle number while the commuting space has been declining rapidly due to development.
A high number of vehicles combined with deteriorating infrastructure lead to congestion and accidents.
As a bike owner in this area, it would be beneficial for your finances if you get a bike insurance policy. It will cover you from unforeseen situations, including theft, fire, accidents, and natural disasters. Besides, Motor Vehicles Act, 1988 states that bike insurance is mandatory in India.
Why Do You Need Two-Wheeler Insurance in Vishakhapatnam?
Let's look at the challenges faced by bike owners in Vishakhapatnam which makes having a valid two-wheeler insurance policy even more important.
Deteriorating Infrastructure
Visakhapatnam has a dense and congested road network due to narrow roads, heavy pedestrian traffic, and a high number of slow moving vehicles. In 2017, the city reported 1,667 road accidents, the highest in Andhra Pradesh, including 329 fatalities. The road from Rushikonda to Timmapuram, which curves in an S shape, is particularly prone to accidents as speeding vehicles often lose control.
Decreasing Commute Space
Rising disposable income in the city has led to more vehicle ownership and usage. Peak hour traffic is worsened by auto rickshaws, which make up about 70 percent of traffic, along with parked and unorganized vehicles. Fast moving heavy vehicles on highways at night also add to the risk. In 2017, Andhra Pradesh saw 14,201 highway accidents.
Low Recovery of Stolen Bikes
Bike thefts in Vizag have declined, but recovery rates remain low. Thieves often dismantle and sell bikes in parts for higher profit. In October 2019, police arrested a gang linked to hundreds of thefts over six years and recovered around 130 two-wheelers.
Theft
Scarcity of parking space, especially near corporate parks and holiday/getaway places have also been marked as accident-prone areas - majorly for scratches, dents, and minor accidents due to paucity of place for better parking and mobility. These areas also record the highest vehicle thefts.
Irresponsible Driving
According to Transport Department analysis, out of 100 road accidents recorded, 30 were related to two-wheelers and nearly 60% of the total two-wheeler accidents are due to the mistakes of the riders such as negligence, over speeding, driving in inebriated conditions.
What Makes Digit Ideal for Two-Wheeler Owners in Visakhapatnam?
Digit follows an online process. So the chance of wasting time and money in insurance queues and agent negotiations is out of the question. Secondly, it’s a paperless process, so no printouts and photocopies. Guess the average claim process time? Yes, it’s in minutes! What else calls in for a better two-wheeler insurance choice?
- Choice of 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 Penalties: As it is illegal to ride an uninsured bike on Indian roads, you might end up paying hefty fines for such an offence. The penalty for this offence is ₹2000 and/or imprisonment of 3 months. So make sure that you have the bike insurance before you hit the road.
- Shield Your Bike with a Comprehensive Policy: This offers holistic coverage against all the traffic odds, be it damages caused by accidents or bumper-to-bumper traffic. With this plan, you can purchase add-ons that will provide extended coverage to your bike.
- Add-ons for Better Protection: As the recovery rate of stolen bikes is pretty low in the city, the “Return to invoice” add-on can help you recover the on-road price of the vehicle in case of a theft. There are other add-ons like the consumable cover, breakdown assistance, etc., that you can explore.
Why Choose Digit Two-Wheeler Insurance Policy in Visakhapatnam?
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
We’ve settled 96% of all two-wheeler claims! Experience claims that make you go “that’s it?”
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.
What’s Covered in Two-Wheeler Insurance in Visakhapatnam by Digit?
Here are the things which are covered under the two-wheeler insurance policy by Digit in Visakhapatnam:
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.
What’s Not Covered in Digit's Two-Wheeler Insurance in Visakhapatnam?
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 Add-ons Available in Visakhapatnam
Following are the two wheeler insurance add-ons available in Visakhapatnam:
Two-Wheeler Insurance Plans in Visakhapatnam
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
|
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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Know more about the difference between comprehensive and third party two wheeler insurance
How to Buy Two-Wheeler Insurance in Visakhapatnam 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
Here’s the list of Digit's top 25 cashless garages in Visakhapatnam, as of August 18th, 2025:
Here is the list of office addresses in Visakhapatnam as of August 5th, 2025: