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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 than the process followed for a regular fuel-driven bike.
What is Electric Bike Insurance?
How Bike Insurance Works?
Why Should You Buy?
Why Choose Digit?
Key Features
What’s Covered
Add-on Covers available with Digit
What's Not Covered?
Electric Bike Insurance Plans & Coverages
Own Damage Premium Price
How to Buy & Renew?
Documents Required
Download Policy Document with Digit
How to File and Track Bike Insurance Claim with Digit?
Electric Bike Insurance Premium Calculator
Frequently Asked Questions
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 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 motor, charging station coverage, repair costs for electric vehicles, etc.
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:
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.
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 best two-wheeler insurance in India for e-bikes:
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.
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.
Also, as per the Motor Vehicle act, you should have at least a third-party two-wheeler insurance policy for electric bikes as it is mandatory by law.
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.
Why Choose Electric Bike Insurance by Digit?
Digit’s Motor Insurance Claim Settlement Ratio is 96% for FY’25
When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:
Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
Cashless Claims at over 9000+ garages in India, so you can get your two-wheeler fixed without stress.
Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!
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
4.7/5
(250K + Customer Ratings)
4.9/5
4.7/5
Key Features of Electric Bike/Scooter Insurance by Digit
Interesting Insights & Claim Stories of Digit Customers
A Digit Two Wheler Insurance customer received a total loss claim of ₹3.22 Lakh in Bengaluru
In a recent case from Bengaluru, one of our policyholders experienced a total loss after their two-wheeler was severely damaged. Fortunately, the vehicle was insured, and we processed a claim payout of ₹3.22 lakh. This case highlights the importance of having dependable insurance coverage to stay prepared for life’s unexpected turns.
Digit Settled a third party claim worth 1.12 crores in Hoshiarpur, Punjab
In a recent case from Hoshiarpur, one of our policyholders was involved in a two-wheeler accident that tragically resulted in a third-party fatality. In this case, the vehicle was covered under a valid third-party insurance policy, and we processed a claim payout of ₹1.12 crore to address the resulting liability. This case highlights the vital role third-party insurance plays—even for smaller vehicles like two-wheelers—in offering essential protection during unforeseen events.
Rat Attacks on Two Wheelers on the Rise
In Surat, a bike owner faced an unusual problem—rats chewed through the wire harness not once, but twice in a single year, all while the vehicle was parked safely at home! Thankfully, the insurance policy included coverage for such unexpected damages. Both times, the repair costs were fully covered, saving the owner from out-of-pocket expenses.
This case proves that insurance isn’t just for accidents or theft—it also protects against the most unexpected (and smallest) threats.
BSVI Becomes the New Standard in Vehicle Insurance
BSVI-compliant vehicles now make up 39% of the insured fleet, surpassing BSIV at 36.46%. This shift reflects a growing move toward cleaner, more efficient vehicles. Insurance is evolving alongside the vehicles it protects.
From Everyday Drives to Luxury Rides – Digit is the Trusted Insurance Choice
This year, we received some standout premium payments across different vehicle types. A Ferrari topped the list in the four-wheeler category with a premium of ₹8.04 lakh. In the two-wheeler segment, a Hayabusa was insured with a premium of ₹44,000. And in the commercial vehicle category, a Volvo L150 wheel loader was covered with a premium of ₹3.53 lakh. This highlights how our insurance scales to match the value and purpose of every vehicle, whether it’s built for speed, style or strength.
What’s Covered in Electric Bike Insurance by Digit?
Add-on Covers with Electric Bike Insurance by Digit
You can opt for the following two-wheeler add-ons under electric scooter insurance:
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.
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.
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 compensates you for transportation cost incurred when your electric bike is under repair, subject to applicable time excess.
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.
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!
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.
What's Not Covered?
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:
In the case of a Third-Party Bike Insurance or Liability Only Bike Policy, damages to own vehicle won’t be covered.
Your electric bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.
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.
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)
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)
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Electric Bike Insurance Plans That Fit Your Needs
Third-Party vs Comprehensive vs Own Damage Electric Bike Insurance Policy11
| 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 damages 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-onsGive 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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| Get Quote | Get Quote | Get Quote |
Electric Bike Insurance Own Damage Premium Price
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.
Documents Required to Buy Electric Two-Wheeler Insurance Online
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:
How is AI making Digit’s Motor Insurance Claim Process Faster & Smarter?
At Digit, we believe filing a motor insurance claim should be simple, not stressful. That’s why we’ve built intelligent automation into every step of the process—so you can get back on the road, faster.
- AI That Sees What You See: When you upload a video of the damage through our app, our AI doesn’t just watch—it analyses. Using advanced image recognition, it assesses the extent of the damage, classifies it, and helps determine the next steps. This means quicker evaluations, fewer delays, and a smoother experience for you.
- Automated Document Processing: From inspection reports to claim forms, our AI systems automatically sort and process your documents. This reduces manual effort, minimises errors, and speeds up approvals. And with a human-in-the-loop approach, we ensure every claim is handled with both precision and empathy.
- Automation That Works Behind the Scenes: Our systems also fetch claim details directly from partner platforms, eliminating the need for repetitive data entry. Whether it’s Bulk Policy Issuance or real-time claim registration, automation helps us move faster—so you don’t have to wait.
73% Two Wheeler Repair Work Approvals done within 12 hours
- In H2 FY25, our average two-wheeler repair approval time was 14 hours and 32 minutes, with 73% of approvals completed within 12 hours. Only a few cases experienced longer wait times, typically due to complex assessments or the need for additional documentation, highlighting our commitment to minimising delays and maximising efficiency.
- Rest assured, we carefully monitor every step to ensure your two-wheeler is back on the road as swiftly as possible!
Digit Settled 9.16 Lakh Claims with 99.9950% Accuracy in FY'25
The below data is for all the products as given in the table below.
Settled 9.16 Lakh Claims Settled
That’s how many times we showed up for our customers in FY 2024–25. Behind each of those numbers is a mishap, and we were right there, making sure things got sorted quickly.
Out of these, nearly ₹6.52 lakh were motor insurance claims alone—proof that we’re there when it matters most, whether it’s something trivial or serious.
₹4,622 Crore Paid in Claims
From minor hiccups to major emergencies, we made sure our customers didn’t have to carry the financial burden alone. Quick settlements, zero confusion, and real peace of mind.
Of this, ₹2,199 crore was paid out under motor insurance, covering everything from accidents to unexpected situations like rat damage.
99.9950% Claims Accuracy
Out of 9.16 lakh claims in FY 2024–25, only 256 were escalated to the Hon’ble Ombudsman^. Out of which only 46# were escalated and ruled in favour of the customer. This significantly proves the claim's accuracy rate of 99.9950%.
For Motor Claims, out of 256 escalated claims for Digit, just 124 were motor-related. By year-end, 104 motor claims were closed, with 28 resolved through mediation. Only 26 health claim decisions went in favour of customers.
Ombudsman Complaints for FY 2024-25
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost, and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
Electric Two-Wheeler Insurance Premium Calculator
- Two-wheeler insurance premiums are based on many factors, like kilowatt capacity, make, model, and age.
- Since electric vehicles are relatively new in the Indian market, Insurance Regulatory and Development Authority of India (IRDAI) has fixed the EV bike insurance rates for the mandatory third-party electric car insurance in India.
- This means that new electric two-wheelers in India are already insured under 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 EV, 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.
Important Articles about Two-Wheeler Tips
FAQs about Electric Bike Insurance
Is it mandatory to insure an electric bike in India?
Yes, it is mandatory to have at least a third-party insurance plan for your e-bike under the Motor Vehicle Act 1988. However, you can also insure it with a comprehensive policy since it covers third-party liabilities as well.
Which type of electric insurance is best?
Comprehensive bike insurance for EVs is usually considered as the best option as it comes with more extensive coverage – covering both the mandatory third-party liability insurance and own damages. Moreover, given that electric bikes are slightly more expensive, it is better to choose an insurance policy that will cover it completely.
How much does electric scooter insurance cost?
Two-wheeler insurance premium for electric bikes depends upon kilowatt capacity, make, model, and age. However, for new e-bikes, third-party insurance premium rates start from ₹457 for 1-year and ₹2,466 for 5-year plan.
Does e-bike insurance cover battery replacement in India?
No, a general electric scooter insurance policy does not cover battery replacement; however, it is covered under the EV Shield add-on cover by Digit.
How can I purchase electric bike insurance online?
With Digit, you can buy EV bike insurance only in just steps. Visit the Digit website or app, enter e-bike’s details, select the desired plan, complete the KYC, make payment, and its done!
Can I claim insurance for an electric scooter?
Yes, you can easily file a claim for electric bike insurance with Digit by following just 3 simple steps - call on 1800-258-5956, do a self-inspection, and choose the mode of repair.
Can I buy only add-on covers without buying any e-bike insurance policy?
No, add-on covers are available only with the Comprehensive Bike Insurance Policy or Own Damage cover for e-bike insurance.
Is it expensive to insure an electric bike in India?
Yes, since electric vehicles are comparatively new in the market and come with expensive components, it might be slightly expensive to insure e-bikes in India.
How to get the right insurance plan for my EV car?
To get the right EV insurance policy first understand your requirements if you want a comprehensive plan or a third-party plan is enough. Then compare the policies offered by different insurers, such as Digit, to get the most suitable one.
Is it okay if I have two insurance policies for my e-bike?
Having only a single insurance policy for your electric bike is enough and is also more cost-effective. However, if you wish to expand your coverage, you can opt for various add-ons.
Is an EV bike insurance policy the same as petrol and diesel-powered two-wheelers?
Yes, an electric scooter insurance policy works the same as a general two-wheeler insurance policy in India. However, depending upon your insurer and add-ons choses, you can get extra coverage for specific components found only in electric vehicles.
Are damages or losses due to theft, fire, or natural calamities covered under EV bike insurance?
Yes, getting comprehensive electric bike insurance with Digit covers you in all such unfortunate events.
Why is electric bike insurance more expensive than general bike insurance?
Since electric bikes are generally more expensive than conventional petrol and diesel two-wheelers and come with costlier components, their repair and replacement cost is also higher. Thus, the insurance premium is slightly higher for electric bike insurance.
Do I need a Pollution Under Control Certificate while driving an e-bike?
No, a PUCC is not required when driving any electric vehicle as these vehicles do not release any harmful smoke in the environment and, thus, do not cause any air pollution.