Comprehensive Bike Insurance
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Buy/Renew Comprehensive Bike Insurance Policy Online in India 2024

What is Comprehensive Bike Insurance?

Why Should You Get Comprehensive Bike Insurance?

What’s Covered in Comprehensive Bike Insurance?

Bike Accident


Digit’s comprehensive bike insurance plan covers you and your bike in case of all accidents, as even a minor accident can cause much trouble!

Bike Theft


It covers for your losses in case your two-wheeler gets stolen!

Bike got fire


Even a small fire can cause damage to your bike or its parts; this is when comprehensive insurance for two-wheelers comes into action and ensures you don’t bear the brunt of it.

Natural Disaster

Natural Disasters

Don’t worry if a flood or cyclone damages your two-wheeler! Your bike is fully protected if you have a comprehensive bike insurance policy in place.

Personal Accident

Personal Injuries/Death

Don’t worry if a flood or cyclone damages your two-wheeler! Your bike is fully protected if you have a comprehensive bike insurance policy in place.

Third Party Losses

Third-Party Liabilities

This policy has your back in case of third-party liabilities as well, i.e. when a person, a vehicle or a property is hurt or damaged due to your bike.

What’s not Covered?

What is not covered differs from one insurance company to another but to list some, we give you some conditions under which the damage to your bike will not be covered in your comprehensive insurance policy by Digit:

Drunk Driving

Damage is done by a person driving under the influence of drugs or alcohol.

No Valid License

Damage is done by a person driving without a valid license or has a learner’s license but no valid license holder on the vehicle.

Consequential Damage

Consequential damage does not occur as a direct result of the accident. Unless covered for in an add-on, such damages can’t be covered.

Contributory Negligence

Any contributory negligence, like damage due to driving the bike in a flood can pose a risk, which is not recommended as per the manufacturer’s driving manual, will not be covered!

Add-ons not Bought

Some situations are covered in add-ons bought along with the policy. In case the add-ons are not bought, the corresponding situations will not be covered.

Add-on Covers with Comprehensive Bike Insurance

Zero Depreciation cover

With time, the value of assets like your bike reduces. That’s why, whenever you make a claim, depreciation is charged for. However, through this add-on, i.e Zero Depreciation Cover you can avoid your bike’s depreciation and instead get complete costs (without the depreciation charge) during claims and repairs.

Return to Invoice cover

If you fall into a situation where your bike is stolen or damaged beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike- including the road tax and registration fees for the same.

Engine & Gear Protection cover

If an accident causes damage to an engine, it is covered under a standard package policy. But if it is consequential damage, it is not covered. Here, this add-on comes to your rescue, covering the repair charges.

Breakdown Assistance cover

The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.

Consumable cover

In this add-on, the cost of replacement of parts like screws, engine oils, nuts & bolts, grease is covered in the standard package policy.

Tyre Protect cover

Under the tyre protect add-on cover vehicles fitted with run flat technology will be reimbursed the cost of replacing damaged tyres with equivalent or near equivalent to the one being used in the vehicle. However, claims under this add-on are subject to terms and conditions.

Daily Conveyance benefit

The daily conveyance benefit compensates for your transportation cost when the two-wheeler is under repair. The compensation may be provided as a fixed allowance per day or coupons from taxi operators of an amount equal to per day fixed allowance.

EV Shield Add-on cover

The EV Shield add-on cover for electric two-wheeler in India protects you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and offer roadside assistance services specific to EVs.

Why Choose Comprehensive Bike Insurance by Digit?

Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement

Cashless Repairs

Cashless Repairs

4400+ Cashless Network Garages for you to choose from across India

Smartphone-enabled Self Inspection

Smartphone-enabled Self Inspection

Quick and Paperless claims process through a Smartphone-enabled self-inspection process

Super-fast Claims

Super-fast Claims

Average turn around time for two-wheeler claims is 11 days

Customize your Vehicle IDV

Customize your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Difference Between Comprehensive and Third-party Insurance for Bike

Basis Comprehensive Bike Insurance Third-Party Bike Insurance
Meaning  Comprehensive bike insurance policy is a combination of Third-party liability insurance and own-damage cover.  Third party bike insurance is a basic bike insurance plan that only covers damages and losses your bike could cause to any third-party person, vehicle or property. 
Protection  Your bike will be covered against theft, loss, and damage caused in any accidents. It offers monetary support against all kinds of damage caused to your bike as well as to another individual, vehicle or property.  A third-party liability bike insurance will protect you only against damage/loss towards the third-party. 
Add-ons  With this policy you can opt for beneficial Add-ons.  This policy provides only Personal Accident Cover. 
Suitable for  Recommended if you need complete coverage for your bike along with add-ons.  Recommended in case you rarely ride your bike or it’s too old already. 
Coverage Type  This policy offers extensive coverage.  This policy offers limited coverage. 
Premium  The premium of a comprehensive bike insurance policy is higher than that of third-party insurance.  Third-party bike insurance policy is less expensive. 

Importance of IDV When Choosing a Bike Insurance Policy

Types of Bike Insurance Plans in India

Third Party

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.


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.

Standalone Own Damage Plan

The Own Damage plan 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 vs Comprehensive vs Own Damage Insurance for Bike

Third Party


Own Damage


How to Buy Comprehensive Bike Insurance Online?

Step 1

On the Digit app or website, enter bike’s registration number, select the policy status and click on ‘View Prices’.

Step 2

Select the comprehensive plan, add-ons and click on ‘Continue.’

Step 3

Enter your personal, nominee and vehicle details and click on ‘Pay Now.’

Step 4

Complete the payment and mandatory KYC verification process.

Step 5

You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

Who Should Buy Comprehensive Insurance for Bike?

How is Comprehensive Bike Insurance Premium Calculated?

Factors Determining Comprehensive Bike Insurance Premium

How to Reduce your Comprehensive Bike Insurance Premium?

FAQs about Comprehensive Two-Wheeler Insurance