Electric Bike Insurance

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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 than the process followed for a regular fuel-driven bike.
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:
Choose a Policy
Select a bike insurance plan – third-party, comprehensive, or own damage – and 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.
You can never predict what might happen to your beloved new electric two-wheeler. So, here’s why you should get best two-wheeler insurance in India for e-bikes:
Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
4.7/5
(250K + Customer Ratings)
You can opt for the following two-wheeler add-ons under electric scooter insurance:
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:
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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Disclaimer: The premium calculation is done for Ather PLUS E BIKE Electric 123, excluding GST, for ex-showroom Delhi, given no add-ons are added, previous policy is not expired, & IDV is the lowest available.
Enter Bike Details
On the Digit App or website, enter bike’s registration number and select the policy status.
Choose a Plan
Select the type of bike insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
To buy Digit electric bike insurance online, a load of paperwork is not required. Furnish only the following documents to buy a new electric two-wheeler insurance policy within minutes:
Registration Certificate
Previous Year Insurance Policy
Documents for KYC Verification
After purchasing a two-wheeler insurance policy, it is essential to download and keep a copy for future reference. With us, you do not need to carry hard copies of your insurance policy. You can simply download it from our app. 🙂 Follow these simple steps to download your policy document from the Digit website or app:
Login Your Account
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
Login
Open the Digit App and go to the "File Motor Claim" option. Login and you'll be directed to the "File Motor Claim" page. Click on the policy card to start claim filing.
Provide Details
Fill in all the details related to the accident and damage to the bike.
Enter Personal Details
Update your personal details and that's it, your claim is successfully filed, and you will receive the next steps on your email & WhatsApp.
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.