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Buy/Renew Comprehensive Bike Insurance Policy Online in India 2025
We know you love your bike and probably only bought it after quite a lot of thought, research, planning, budgeting, enquiries, and suggestions. You now have the bike of your dreams and want to safeguard both your bike and your pocket.
For that, get comprehensive insurance for bike with Digit and enjoy those thrilling road trips. We’ll guide you through everything you need to know about the right bike insurance and the required add-ons that’ll protect you at their best.
Table of Contents
What is Comprehensive Bike Insurance?
How Comprehensive Bike Insurance Works?
Importance of Comprehensive Bike Insurance
Why Choose Digit?
What’s Covered?
Add-on Covers
What's not Covered?
Types of Bike Insurance Plans in India
Comprehensive vs Third-Party vs Own Damage Insurance
Difference Between Comprehensive and Third-Party Insurance
Who Should Buy?
How to Buy?
Importance of IDV
How is Premium Calculated ?
Factors Determining Premium
How to Reduce Premium?
Frequently Asked Questions
What is Comprehensive Bike Insurance?

- A comprehensive bike insurance policy is an insurance plan for two-wheelers that protects them in an accident against different kinds of damage, loss, and theft.
- Two-wheeler insurance comprehensive policy provides extensive coverage for all kinds of unforeseen events so that you can have a completely hassle-free ride. It is a combination of third-party liability and own-damage cover.
- Digit also offers various add-ons along with the comprehensive bike insurance policy for enhanced protection.
How Does a Bike Insurance Work?
Bike insurance is a contract between you and the insurer, offering financial protection for your bike against accidents, natural disasters, theft, and other unforeseen events. Here’s how it works:
Select the Policy
Select comprehensive two-wheeler insurance policy and desired add-ons that fit your needs and budget.

Buy or Renew Policy
Purchase or renew your bike insurance online instantly with Digit, with minimal paperwork.
Pay Premium
Make regular payments (annually or in installments) based on factors like bike’s age, model, IDV, NCB, and coverage type.
File a Claim
If your bike is stolen or damaged in an accident, you can file a claim with your insurer, who after damage assessment will settle the claim as per the policy terms.
Why Should You Get Comprehensive Bike Insurance?
Following are the benefits of getting a comprehensive bike insurance plan:
Comprehensive 2-wheeler insurance policy covers your vehicle against almost all types of damages – whether caused due to road accidents, manmade or natural disasters. It also covers losses due to theft and third-party liabilities.
Losses due to accidents, theft, and unfortunate events can be expensive. A comprehensive bike insurance policy acts as a financial shield, saving you a significant financial burden.

Knowing you're comprehensively covered allows you to ride your two-wheeler with peace of mind as you'll be less worried about the financial burdens due to unforeseen events.
Comprehensive insurance plans allow you to buy additional benefits in the form of add-ons for enhanced protection.
Why Choose Comprehensive Bike Insurance by Digit?
Digit Bike Insurance in News
Go Digit posts 3x jump in Q2 net profit; gross premium collected at Rs 2,368 crore
- 24 Oct 2024
- The Economic Times
Digit Insurance launches comprehensive 'EV Shield' add-on cover for electric vehicles
- 20 Jan 2025
- CNBC TV18
What Our Customers Have to Say about Us
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What’s Covered in Comprehensive Bike Insurance?
Add-On Covers with Comprehensive Bike Insurance
Two-wheeler insurance add-ons which you can buy with your Two Wheeler insurance policy
The add-on cover of daily conveyance benefit will ensure that you are compensated for your transportation cost during the period when two-wheeler is under repair subject to applicable time excess. A policyholder can be compensated in the form of fixed allowance per day or coupons from taxi operators from an amount equal to per day fixed allowance.
Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered. However, with the engine and gear-box protection add-on cover, you can specifically cover the life of your vehicle for any consequential damages caused post the accident.
The tyre protect add-on cover is offered only to vehicles fitted with run flat technology. As part of it, the cost of replacing damaged tyres with equivalent or near equivalent to the one being used in the vehicle, labour and wheel balancing charges can be reimbursed. However, claims made under the add-on cover is subject to conditions set forth under the vehicle insurance policy.
The add-on of consumable cover adds an additional shield to your two-wheeler. Covers the cost for all your bike’s nitty-gritties such as the engine oils, screws, nuts and bolts, grease, etc. in the event of an accident.
If you fall into a situation where your bike is stolen or damages 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
This EV Shield add-on cover for electric two wheeler in India will protect 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.
Think of it like an effective anti-ageing cream for your bike and its parts. Usually, the required depreciation amount is always taken in account during claims. However, a zero-depreciation cover ensures no depreciation is taken into consideration, so you get the full value of the cost of repair/replacement during claims.
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.
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:
Damage is done by a person driving under the influence of drugs or alcohol.
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 does not occur as a direct result of the accident. Unless covered for in an add-on, such damages can’t be covered.
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!
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.
Types of Bike Insurance Plans in India
Third-Party vs Comprehensive vs Own Damage Insurance for Bike11
Third Party | Comprehensive | Own Damage |
Damages/Losses to own two-wheeler due to an accidentCovers for damage to your own two-wheeler in case of an accident or collision. |
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Damages/Losses to own two-wheeler in case of fireCovers for damages and losses to your own two-wheeler caused due to a fire. |
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Damages/Losses to own two-wheeler in case of a natural calamityCovers for damages and losses to your own two-wheeler caused due to a natural calamity such as floods, earthquakes, cyclone, etc. |
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Damages to Third-Party VehicleCovers for damage caused by your two-wheeler to any third-party vehicle, to up to 7.5 lakhs. |
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Damages to Third-Party PropertyCovers for damages and losses caused by your two-wheeler to any third-party property, to up to 7.5 lakhs. |
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Personal Accident CoverCovers for owner-rider's bodily injuries or death. (Mandatory by law, one can opt in for the same if they don’t have one already). |
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Injuries/Death of a Third-Party PersonCovers for bodily injuries or death caused by your two-wheeler to any third-party person, up to unlimited liability. |
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Theft of your scooter or bikeCovers for losses if your two-wheeler is unfortunately stolen. |
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Customize your IDVCustomize the IDV of your two-wheeler as per your choice and consequently adjust your two-wheeler insurance premium accordingly. |
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Extra protection with customized add-ons |
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Get Quote | Get Quote | Get Quote |
Difference Between Comprehensive and Third-party Insurance for Bike
Note: These are just a few scenarios to help you easily understand the different policy covers. Please discuss with your insurer and advisor about the best policy for you. Remember to not take it as a recommendation from Digit.
Documents Required to Buy Comprehensive Bike Insurance Online
While buying a new comprehensive two-wheeler insurance online from Digit, you don’t need a load of documents or paperwork; just keep the following documents handy:
Importance of IDV When Choosing a Bike Insurance Policy
- IDV is Insured Declared Value, it is the maximum amount your insurer will give you, in case your bike is stolen or damaged beyond repair. We know low premiums are luring but it will not give you maximum financial benefit.
- Always check the IDV you are being offered and not just the premium. We suggest you choose higher IDV, you know why? In the case of the total loss of your bike, a higher IDV leads to higher reimbursements.
- We let you customise your IDV as per your choice because we want you to make the right decision without any compromise.
How is Comprehensive Bike Insurance Premium Calculated?

You can use our Bike Insurance Premium Calculator to easily calculate the estimate premium of comprehensive bike insurance, which is calculated based on:
- IDV: A higher IDV means more payout, so it leads to a higher premium.
- NCB: No Claim Bonus in bike insurance is when you have a good driving history with no claims in the previous year, you get a discount on the base premium.
- Add-on Covers: The add-ons you choose also determine your bike insurance premium.
- Modifications: Any modifications made to the two-wheeler can increase the premium as well.
- RTO Location: If you drive in high-traffic areas or locations with a higher accident rate will add to your premium.
Factors Determining Comprehensive Bike Insurance Premium

The premium of comprehensive insurance for bikes depends on various factors, which include:
- Two-wheeler’s Model/Make: The model/make of your bike significantly impacts the comprehensive bike insurance premium. The premium increases for expensive bikes and those with larger, more powerful engines as they have higher repair costs.
- Vehicle’s Age: As your bike ages, the depreciation on its parts increases, implying that your bike loses value over time. This means the insured sum will be low, and you will need to pay less base premium.
- Insured Declared Value (IDV): IDV is your two-wheeler’s approximate market value, which directly impacts your comprehensive bike insurance premium. So, a higher IDV leads to a higher premium.
- No Claim Bonus (NCB): If you haven’t raised any claim in a policy year, you are rewarded with a discount on your insurance premium in the form of NCB. This means you will have a lower premium in the next policy year.
- Type of Coverage: This is an important factor determining your insurance premium. Since comprehensive insurance for bike covers third party liabilities and own damage to ensure enhanced protection, its premium is also higher than third-party bike insurance.
- Add-on Covers: Opting for bike insurance add-on covers available with comprehensive insurance for two-wheelers will increase your base premium amount.
- Two-wheeler Modifications: Any modifications made to your bike to enhance its performance or aesthetic will result in a higher insurance premium amount to cover the costs of these parts.
- RTO Location: If your two-wheeler is registered in a high-traffic or accident-prone area, you are liable to pay a higher premium due to the increased risk.
How to Reduce Your Comprehensive Bike Insurance Premium?
Here are some tips to help you reduce your comprehensive bike insurance premium.
- Choose Your Insurance Coverage Wisely: Get comprehensive insurance for two-wheelers only if it feels necessary or if you want enhanced protection for your luxury bike, as it comes with an increased premium. However, if you only want to comply with the laws and want a more affordable insurance policy, consider third-party insurance.
- Maintain a Good Driving Record: A clean driving record with no claims in the previous year can get you a discount on the next premium as No Claim Bonus (NCB). You could also consider increasing your voluntary deductible that will help in decreasing your bike insurance premium.
- Buy Only Relevant Add-Ons: Add-ons provide an extra layer of protection to your bike, but they also increase your bike insurance premium. Therefore, only opt for bike insurance add-on covers that you truly need.
- Set Realistic IDV: Never overestimate your bike's IDV and aim for an IDV that truly aligns with your bike's current market value. This is because a higher IDV means a higher premium for you.
- Talk to Your Insurer: Depending on your insurance company and your risk profile, you can always talk it out with them and ask for some negotiation on the premium!
FAQs about Comprehensive Two-Wheeler Insurance
What is comprehensive in bike insurance?
Comprehensive in bike insurance is a type of bike insurance plan that offers comprehensive coverage - including third-party liabilities and own damages.
What is the difference between a comprehensive two-wheeler insurance and zero-depreciation insurance?
A comprehensive two-wheeler insurance is a type of bike insurance plan, while the zero depreciation in bike insurance is an add-on you available along with the comprehensive two-wheeler insurance policy.
Is comprehensive insurance enough for a two-wheeler?
Yes, a comprehensive bike insurance plan is enough as it offers wide coverage, including own damage and third-party liabilities along with an option to buy add-ons.
How is a comprehensive two wheeler insurance different from the zero-depreciation two wheeler insurance?
They're two completely different things! A comprehensive two wheeler insurance is a type of bike insurance policy, while the zero depreciation is an add-on you can opt for in your comprehensive two wheeler insurance policy.
Know more about Zero Depreciation Bike Insurance.
Is it a good idea to buy comprehensive bike insurance for an old bike?
This depends on how old your bike is, and how often you use it and how much longer you plan to use it. If your bike is still under 10 years old and you do use it on a regular basis, getting a comprehensive bike insurance won’t even cost you much, and will ensure you don’t need to spend on it in the case of any unfortunate situations.
When to purchase a comprehensive bike insurance policy?
The ideal time to purchase a comprehensive bike insurance policy is when you’ve just got your bike. However, it’s never too late! If you currently only have a third-party policy you can upgrade with an Own Damage cover or, if your policy is due for renewal soon – just renew with a comprehensive bike insurance policy this time 😊
Which is better - comprehensive or third-party bike insurance?
It depends on your requirements. However, if you own a new bike that you’ll be driving daily or a luxurious one, a comprehensive bike insurance plan is the best as it covers third-party liability and own damage coverage. You can also buy add-on covers with it.
Which is cheaper - comprehensive or third-party policy?
Third-party insurance is cheaper than comprehensive insurance for two-wheelers as a comprehensive plan offers wide covers and includes third-party liabilities as well.
Is getting comprehensive insurance mandatory for bikes?
No, it is not mandatory by law. However, if you want protection, you can go for a comprehensive bike insurance policy.
Is comprehensive bike insurance policy mandatory for 5 years?
No, a comprehensive two-wheeler insurance policy is generally valid for one year; however, you can also opt for the multi-year policy.
What is the validity of the Comprehensive Bike Insurance Policy?
Usually, the validity of comprehensive bike insurance cover is one year. However, if you opt for the multi-year policy, the validity will vary depending on the number of years you have opted for.
Should I buy comprehensive bike insurance for old two-wheelers?
Yes, go for comprehensive bike insurance if you drive your vehicle daily or in accident-prone areas as it offers better coverage than the third-party policy.
When to buy a comprehensive bike insurance policy?
Buy a comprehensive bike Insurance Policy when buying a new two-wheeler or while renewing insurance for your old bike, as it protects it against a wide range of damage and losses.
I have done bike modification. Will it affect my comprehensive bike insurance policy premium?
Yes, bike modifications whether done to enhance its performance or aesthetic, significantly impact the bike insurance premium depending on the changes. Check with your insurer regarding the same.
What happens if I don't buy a comprehensive bike insurance policy?
If you do not buy a comprehensive bike insurance policy, you will have to bear the cost of any damage or loss to your bike, given you at least have a third-party policy.
What are deductibles in comprehensive bike insurance?
Deductibles are the amount for damage repair that you need to pay from your pocket. The rest of the bill will be taken care of by Digit.