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EV Bike Insurance for Electric Bikes, Scooters & Two-Wheelers in 2025
Electric bikes, also called e-bikes or electric two-wheelers, are becoming more and more popular on the road as environment-friendly and (mostly!) noise-free alternatives to regular bikes.
Just like regular two-wheelers need petrol as fuel, these ones need to be charged with electricity (like a giant smartphone).
Electric two-wheelers are still a pretty new concept in India, but getting a bike insurance policy for your electric two-wheeler is not so different from the process followed for a regular fuel-driven bike.
What is Electric Bike Insurance?
Electric bike insurance is a type of motor insurance that protects two-wheelers that run on electricity from potential damage and losses, which might happen in the case of an accident, a natural calamity, or a fire.
The EV insurance for two-wheeler by Digit is uniquely designed to cater to the specific needs of the electric vehicles, such as battery coverage, electric motors, charging station coverage, repair costs for electric vehicles, etc.
Why Should You Buy Electric Bike Insurance?
You can never predict what might happen to your beloved new electric two-wheeler. So, here’s why you should get the best two-wheeler insurance in India for e-bikes:
Financial Protection
EV bikes contain potentially expensive and unique components that can cost you a handful when repairing or replacing them. So, getting a comprehensive bike insurance policy for electric two-wheeler covers you financially for both third-party liabilities and own damage in unforeseen circumstances.
Peace of Mind
e-Bikes have many complex electrical and mechanical parts that could give you trouble at any time. So, having an e-bike insurance policy can be a great savior in an unfortunate event and can help you ride without any worries.
Mandatory by Law
Also, as per the Motor Vehicle Act, you should have at least a third-party two-wheeler insurance policy for electric bikes, as bike insurance is mandatory in India.
Enhanced Coverage
With the comprehensive EV insurance policy, you can opt for different add-ons to enhance your coverage. For example, EV Shield add-on by Digit covers specific requirements related to electric vehicles such as electric motors, batteries, and charging systems.
Electric Bike Insurance Plans that Fit Your Needs
Third-Party Bike Insurance
Comprehensive Bike Insurance
Own Damage Bike Insurance
Difference Between Third-Party vs Comprehensive vs Own Damage Policy
Third-Party
Comprehensive
Own Damage
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Damages/Losses to own two-wheeler due to an accident Covers for damage to your own two-wheeler in case of an accident or collision. |
×
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✔
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✔
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Damages/Losses to own two-wheeler in case of fire Covers for damages and losses to your own two-wheeler caused due to a 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 Covers 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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✔
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✔
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Damages to Third-Party Vehicle Covers for damages caused by your two-wheeler to any third-party vehicle, to up to 7.5 lakhs. |
✔
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✔
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×
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Damages to Third-Party Property Covers for damages and losses caused by your two-wheeler to any third-party property, to up to 7.5 lakhs. |
✔
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✔
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×
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Personal Accident Cover Covers 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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✔
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×
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Injuries/Death of a Third-Party Person Covers for bodily injuries or death caused by your two-wheeler to any third-party person, up to unlimited liability. |
✔
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✔
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×
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Theft of your scooter or bike Covers for losses if your two-wheeler is unfortunately stolen. |
×
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✔
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✔
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Customize your IDV Customize the IDV of your two-wheeler as per your choice and consequently adjust your two-wheeler insurance premium accordingly. |
×
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✔
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✔
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Extra protection with customized add-ons Give your two-wheeler an extra layer of protection with customized add-ons such as tyre protect cover, consumable cover, zero depreciation add-on, etc. |
×
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✔
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✔
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Know more about the difference between comprehensive and third-party two-wheeler insurance
Why Choose Electric Bike Insurance by Digit?
Your e-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.
Key Features of Electric Bike/Scooter Insurance by Digit
What’s Covered in Electric Bike Insurance by Digit?
Accidents
Damages and losses that may arise due to an accident or collision
Theft
Covers for your losses in case your electric two-wheeler is unfortunately stolen!
Fire
Damages and losses to your electric two-wheeler in case of an accidental fire!
Natural Disasters
Damages caused to your electric 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 Electric Bike Insurance by Digit?
It is equally important to know what’s not covered in your electric two-wheeler insurance policy, so that there are no surprises when you make a claim. Here are some such situations:
Own Damages for Third-Party Policy Holder
In the case of a Third-Party Bike Insurance or Liability Only Bike Policy, damages to own vehicle won’t be covered.
Drunk Driving or without a Licence
Your electric bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.
Driving without a Valid Licence Holder
If you hold a learner’s licence and were riding your two-wheeler without a valid licence-holder on the pillion seat- then your claim in those situations won’t be covered.
Consequential Damages
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged two-wheeler is being used incorrectly and the engine gets damaged, it is considered as consequential damage and it will not be covered)
Contributory Negligence
Any contributory negligence(e.g. damage due to driving a two-wheeler in a flood, 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. If you haven’t bought those, the corresponding situations will not be covered.
Add-on Covers with Electric Bike Insurance by Digit
You can opt for the following two-wheeler add-ons under electric bike insurance:
EV Shield Cover
EV Shield add-on covers loss or consequential damage to your e-bike or Hybrid Vehicles (petrol/diesel + electric), including loss or damage to the electrical panel for the vehicle charging point, vehicle charger, including charging cable, and roadside assistance services related to vehicle’s battery issues.
Zero Depreciation Cover
A zero-depreciation cover ensures no depreciation of electric bike parts is taken into consideration, so you get the full value of the cost of repair/replacement during claims.
Return to Invoice Cover
This add-on protects you in case your electric bike is stolen or damaged beyond repair. With return to invoice add-on, you get back the complete amount of your bike’s invoice value, including the road tax and registration fees for the same.
Daily Conveyance Benefit
Daily conveyance benefit compensates you for transportation cost incurred when your electric bike is under repair, subject to applicable time excess.
Consumable Cover
Consumable cover provides an additional shield to your two-wheeler by covering the cost for all your bike’s nitty-gritties such as screws, nuts and bolts, grease, etc. in the event of an accident.
Breakdown Assistance
By opting for roadside assistance add-on you ensure that your insurer is there for you and your electric bike in case of any breakdowns – and the best part of this add-on is that it doesn’t count as a claim!
Tyre Protect
The tyre protect add-on cover is applicable only if your e-bike is fitted with run flat technology. Under this, you get compensation for the cost of replacing damaged tyres with equivalent or near equivalent to the one being used in the vehicle, labour and wheel balancing.
How to Renew Electric Two-Wheeler Insurance 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.
Electric Two-Wheeler Insurance Premium Calculator
Two-wheeler insurance premiums are based on many factors, like kilowatt capacity, make, model, and age. To calculate the bike insurance premium effectively, you can also use the two-wheeler insurance premium calculator. Since electric vehicles are relatively new in the Indian market, the Insurance Regulatory and Development Authority of India (IRDAI) has fixed the EV bike insurance rates for the mandatory third-party electric bike insurance in India. This means that new electric two-wheelers in India are already insured under a third-party two-wheeler policy for 5 years.
Also, to promote environment-friendly electric vehicles in India, IRDAI has rolled out a 15% discount on third-party insurance premium rates for EVs, as compared to fuel-run vehicles of the same category.
List of Best Electric Bikes and Scooters in India in 2025
With the emergence of high-tech electric bike options in the Indian market, everybody is switching to environment-friendly two-wheelers. So, read here which are the top electric bikes in India and choose the one most suitable for you.
*Note: The prices mentioned here are ex-showroom prices in Delhi.
FAQs about Electric Bike Insurance
Content Writer
Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.
Product Head - Motor
Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.