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Buy New Bike Insurance Policy Online and Get Huge Discounts
Finally got that two-wheeler? We’re happy for you! But as an expert, we would like you to also think about its protection; and it's very simple - you can protect it by simply getting it insured and we’re here to guide you through just that.
What is New Two-Wheeler Insurance?

New two-wheeler insurance is an insurance policy designed to protect your two-wheeler against damage or loss. It typically includes coverage for damages resulting from accidents, natural disasters, fire, theft, etc.
You need bike insurance for new bike as it will financially protect you and reduce your out-of-pocket expenses in case you get into an accident. You can choose from 3 types of bike insurance plans catering to your specific needs.
Why is It Important to Insure a New Bike?
Now that your prized possession is finally home, let's make sure it stays like that!
Having a bike insurance is mandatory in India even if your bike is new. Driving without one can lead to fines or penalties.
In case of accidents, theft, or damage, a new bike insurance will financially back you up in such situations.

Knowing that your new bike is protected at all times with a bike insurance policy allows you to ride with confidence.
What’s Covered in New Bike Insurance by Digit?
What’s Not Covered in a New Bike Insurance by Digit?
It is equally important to know what’s not covered in your new bike 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 or Liability Only Bike Policy, damages to own vehicle won’t be covered.
Your bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations 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)
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)
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.
Add-On Covers with New Bike Insurance by Digit
Two-wheeler insurance add-ons that you can buy with your new bike 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.
Why Choose New Two-Wheeler Insurance by Digit?
Key Features of New Two-Wheeler Insurance by Digit
New Bike Insurance Plans in India
Third-Party | Comprehensive | Own Damage |
Damages/Losses to own two-wheeler due to an accident |
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Damages/Losses to own two-wheeler in case of fire |
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Damages/Losses to own two-wheeler in case of a natural calamity |
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Damages to Third-Party Vehicle |
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Damages to Third-Party Property |
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Personal Accident Cover |
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Injuries/Death of a Third-Party Person |
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Theft of your scooter or bike |
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Customize your IDV |
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Extra protection with customized add-ons |
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Get Quote | Get Quote | Get Quote |
Know more about the difference between comprehensive and third party two wheeler insurance
Things to Consider When Buying New Bike Insurance
There are several factors to keep in mind when buying bike insurance for your new bike. Paying attention to these will ensure that you fetch an ideal level of cover:
Compare the bike insurance premium rates online and you can also buy your policy online. The best part is there is no paperwork involved. You can also use Bike Insurance Calculator to calculate and compare the premium.

Know the policy types, it is very important to know the options you have to make an appropriate decision. Choose third-party insurance or a comprehensive plan depending on your insurance needs.
Choosing the right bike insurance add-ons along with your policy can give you maximum benefits. Some of these are, Zero Depreciation cover, Return to Invoice Cover and Engine Protect cover, and more.
Right IDV plays an important role in choosing or renewing your bike policy. The higher the IDV, the higher is the compensation at the time of unforeseen situations.
This is very important; this process should be super-fast and hassle-free. Check the claim history of the insurer from sources such as their social media channels, official website and customer reviews.
Importance of IDV When Buying New Two-Wheeler Insurance
IDV or the Insured Declared Value in bike insurance is the maximum amount your insurer will give you, in case your bike is completely damaged or stolen. We know low premiums are luring but it will not give you maximum financial benefit. That’s why you should 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. At Digit, we let you customise your IDV as per your choice because we want you to make the right decision without any compromises.
FAQs about New Bike Insurance
What is new bike insurance?
New bike insurance is an insurance policy purchased for newly bought two-wheelers that protects them against various risks.
Why should I buy insurance for new bike?
New bike insurance is crucial as it covers your new vehicle from financial losses from accidents, theft, or damage, and also allows you to comply with legal requirements.
How can I buy new bike insurance online?
You can buy new two-wheeler insurance online by visiting Digit’s website or app. Then provide your vehicle details, select bike insurance plan you want, pay the premium and you’re done!
What documents are required to purchase new bike insurance?
You will need a bike registration certificate, identity proof, and address proof.
How is the new bike insurance price calculated?
New bike insurance price depends on various factors such as bike model, age, location, coverage type, and rider's driving history.
What is a No Claim Bonus (NCB) in new bike insurance?
It is a discount offered on the bike insurance premium as a reward for not making any claims during the previous policy period.
What is the process for new bike insurance renewal?
To do new bike insurance renewal, visit Digit’s website or app, select the policy type, enter your previous policy details, review and update information, and make the payment.
Is it mandatory to have insurance for new bike in India?
Yes, having at least third-party bike insurance is mandatory by law in India.
What is the difference between third-party and comprehensive new bike insurance?
Third-party plan covers only liabilities to third parties, whereas a comprehensive plan covers third-party liabilities as well as damage to your own bike.
How long does it take to get new bike insurance?
You can buy new bike insurance online instantly, usually within a few minutes.
What happens if I don’t do my new bike insurance renewal on time?
In such a case, your bike insurance policy will lapse, and you won’t be covered financially anymore. Not having an active insurance policy will also lead to legal issues.
Can I switch my new bike insurance provider after purchasing the policy?
Yes, you can switch providers at the time of renewal.
What are the exclusions in the new bike insurance?
Common exclusions include wear and tear, mechanical breakdowns, and driving under the influence of alcohol.