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Bike Insurance Policy Renewal Online in 2025
There are many modes of transportation, but yet two wheelers are considered the most convenient options, especially in traffic. Before riding, every bike rider should ideally be aware of all traffic rules, check the speed limit, wear a helmet and get the required two-wheeler insurance for his/her vehicle.
Doing two-wheeler insurance renewal on time is extremely crucial to keep your bike protected. By renewing online, you can quickly compare different plans, pick the best coverage, and avoid any gaps in your policy. Here's everything you need to know about bike insurance renewal online.
Table of Contents
Why Should You Do Bike Insurance Renewal?

Why Should You Do Bike Insurance Renewal?
- A bike insurance policy may offer protection against damage, theft, riots and strikes, terrorism, and other natural calamities. Continuing the insurance cover of your bike beyond the date of expiry of the policy is defined as Bike Insurance Renewal.
- The date of expiry indicates the moment from which the current insurance policy will cease to operate. The renewal of the bike insurance can either be on the same terms and conditions or you can enhance the policy with some add-ons.
- Whether you’re buying a new one or getting an old one renewed soon, at least having a third-party two-wheeler insurance is mandatory by law.
- Also, doing policy renewal for bike without any breaks will fetch No-Claim Bonus to the policyholder; however, it applies only when there are no claims reported in the previous policy.
Why Doing Bike Insurance Renewal Online is a Better Idea?

Why Doing Bike Insurance Renewal Online is a Better Idea?
Unlike other industries, insurance also plays well with online platforms and media. This time for your renewal, you can also consider going online because:
- Save a Lot of Time: Online is an easy option to browse and compare. It is convenient and easy to choose from. In other words, you are saving time.
- Premiums are Lower: Choosing an insurance policy online will be low-cost affair. It is because the insurers save money spent on distribution channel and other heads.
- Quick and Easy: Buying online policy is quick and easy. It gives you a comparison between the policies in just no time.
- Reviews: You get reviews and quick bytes about the insurance company or its products. You can also get opinions and suggestions from different people about the product.
- Hassle-Free Service: Online mode is free from the agents or brokers. You have direct contact with the insurers. Hence, you get zero hassle and absolute transparency when buying online policies.
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Options Available for Two-Wheeler Insurance Renewal

Options Available for Two-Wheeler Insurance Renewal
To renew the bike insurance policy, you can choose either of the two options:
- Stick with the Same Insurer: If you are happy with the current policy for your bike, then you should choose to opt-in with the same insurer. Mind, the renewal be done well in time to avoid losing the No-Claim Bonus.Deposit the premium well before the expiry. It is because the policy will be effective only when the payment is realized by the insurer.
- Change to a New Insurer: If you are unhappy with the existing insurer due to poor services, then you can change your insurer.The new insurer will inspect the bike before insuring it.
The proposer can provide all the information online and pay the premium as requested. The entire procedure needs to be carried before the existing policy falls due.
How to Buy/Renew Two-Wheeler Insurance with Digit?
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.
Why Choose Digit for Bike Insurance Renewal?
Your bike insurance renewal not only comes with a super easy claim process, but also with the option to choose a cashless settlement
Digit’s Motor Insurance Claim Settlement Ratio is 96% for FY’25

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 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.
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.
Why Should You Renew Bike Insurance Policy on Time?
You should get your two-wheeler insurance renewal done on time for several reasons such as:
Things to Consider Before Renewing a Bike Insurance Policy

Things to Consider Before Renewing a Bike Insurance Policy
Making considerations before renewing a bike policy is not vague as we think twice before buying anything, especially when it is for long-term use. Similarly, here are a few things you need to consider before renewing your bike insurance policy:
- Scope of Cover Under the Existing Policy: Does the existing insurance cover provide you the widest cover possible? Think and know more about it from your insurance company.
- Which Insurer is the Best: A lot before the date of the renewal, the bike owner should identify which all insurer exists in the market. Explore the quality of services both at the time of purchase and at the time of claim. Remember, it is to be done before the expiry of the policy and not after.
- Which Insurance Cover is the Best: Out of the two types of motor policies - Comprehensive bike insurance or Third-Party Liability - you should know which one will serve your purpose. After that, compare the premium rates, deductible, and other similar factors. Also, look for which insurer cost-effectively offers the add-on coverages.
- Any Add-On Cover: Know well in advance whether you want to enhance the cover with some add-on cover or not? You should buy a personal accident cover, engine protection, fuel gas kit, and others.
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