Third Party Bike Insurance

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9000+ Cashless

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96% Claim

Settlement (FY24-25)

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24*7 Claims

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.
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Third-Party Bike Insurance: Buy/Renew Third Party 2W Policy Online @₹714

Third-Party Bike Insurance

What is Third-Party Bike Insurance?

Third-party bike insurance is the most basic type of two-wheeler insurance policy that helps cover any damage and losses your bike could cause to a third-party person, property, or vehicle, such as in the case of an accident or collision. This type of insurance focuses on third-party protection, ensuring that any liabilities arising from your bike’s involvement in an incident are taken care of.

Third-party two-wheeler insurance is mandated by law in India under the Motor Vehicles Act, making it an important and responsible choice for all bike owners. It is an affordable option that ensures legal compliance, and you can also compare two-wheeler insurance policies by Digit to find the most suitable one, such as Comprehensive Bike Insurance or Own Damage Cover, for broader protection. 

Reasons to Buy Third-Party Two-Wheeler Insurance

Here’s why you should buy cheapest third-party bike insurance in India:

Mandatory by Law

Mandatory by Law

Having at least a third-party insurance for bike in India is the law! Driving without one can lead to fines and penalties.

Financial Security

Financial Security

It covers you financially in case of loss, damage, or injuries to third party property or person caused in an accident due to your vehicle.

Peace of Mind

Peace of Mind

You can drive your bike worry-free knowing that you're covered for third-party damages.

Affordable

Affordable

Compared to comprehensive insurance, third-party is a cheaper way to meet legal requirements and basic protection in accidents.

Limited Liability

Limited Liability

Third-party bike insurance is perfect for people who primarily use a two-wheeler for short, low-risk commutes, or those who have an older bike with a lower market value.

What’s Covered in Third-Party Bike Insurance by Digit?

Personal Damage to Third Party

Personal Damage to Third Party

If a person is injured in an accident, all his or her medical costs till recovery are taken care of by Third Party bike insurance. In an unfortunate case of loss of life, a compensation amount is given too.

Property Damage Compensation

Property Damage Compensation

In case damage occurs to someone’s vehicle, house or any property, the owner is covered for the loss. There is a limit of ₹7,50,000

Personal Damage to Owner/Driver

Personal Damage to Owner-Driver

If you don’t already have a Personal Accident Cover, this cover can be included in your Third-Party Bike Insurance to protect you from losses that could arise if you face any physical injuries or death/permanent disability.

What’s Not Covered in Third-Party Bike Insurance by Digit?

It is equally important to know what’s not covered in your Third-party bike insurance policy so that there are no surprises when you make a claim. Here are some such situations:

Own Damages

Own Damages

In the case of a Third party bike insurance policy, damages to own vehicle won’t be covered. 

Drunk Riding or without a Licence

Drunk Riding or without a Licence

Your bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.

Add-ons not Bought

Add-ons not Bought

Some situations are covered in add-ons. If you haven’t bought those two wheeler add-ons, the corresponding situations will not be covered.

Driving without a valid Driving Licence holder

Driving Without a Valid Driving 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.

Disclaimer: The total number of claims settled and amount paid in claims is for two-wheeler policies since inception till 31st December-2024. 96% claims settled for Overall Motor line of business of Digit. CSR Is calculated for FY 24-25. CSR Ratio is count of (Claims paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End). 9000+ cashless garage network count as of 31st March-2025. Total Policies sold count is since inception till March-2025.

Why Choose Digit's Third Party Bike Insurance?

Your third-party bike insurance not only comes with 24*7 support, but also with complementary wellness benefits.

Super-fast Claims

Super-Fast Claims

We’ve settled 96% of all two-wheeler claims! Experience claims that make you go “that’s it?”

24*7 Support

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 Third-Party Bike Insurance by Digit

Key Features Digit Benefit
Premium  Starting from ₹538/- 
Buying Process  Smartphone-enabled process. Can be done in 5 minutes! 
Personal Damages to Third-Party  Unlimited Liability 
Property Damages to Third-Party  Up to 7.5 lakhs 
Personal Accident Cover  Up to 15 lakhs 
Personal Accident Cover Premium  ₹330/- 

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.

Types of Bike Insurance Plans in India by Digit

TP bike insurance coverage

Third-Party Bike Insurance

A Third-party Bike Insurance is one of the most common types of bike insurance in which only damages & losses caused to a third-party person, vehicle, or property are covered.
Comprehensive bike insurance coverage

Comprehensive Bike Insurance

A Comprehensive Bike Insurance is one of the most valuable types of bike insurance that covers both third-party liabilities and damages to your own bike as well.
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Own Damage Bike Insurance

The Own Damage bike insurance is for yourself; it covers loss and damage only to your own two-wheeler in case of accidents and collisions, natural calamities, fires, and thefts.

Difference Between Third-Party vs Comprehensive vs Own Damage Policy

Third-Party

Comprehensive

Own Damage

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Who Should Get Third-Party Two-Wheeler Insurance?

Weekend Rider

Upgrader

Nostalgic Owner

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Ramesh, 25 Year Old Male

He rides his scooter to work every day but only takes his bike out once a month for long drives. For him, a third-party policy on the bike makes sense, it saves money and keeps him legally covered. 
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Priya, 27 Year Old Female

Her scooty’s insurance is up for renewal, but she’s planning to sell it soon and buy her dream bike. She opts for a third-party policy on the scooty to save on premiums while staying compliant. 
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Arjun, 29 Year Old Male

He has his grandfather’s old scooter parked at home, untouched for years. Even though he doesn’t ride it, he gets a third-party policy to avoid fines, it’s the law, after all. 

Third-Party Premium for Old Two-Wheelers

Unlike Comprehensive two-wheeler insurance, the bike insurance premium for a third-party insurance policy is predefined by the IRDAI. The premium prices for the same are primarily dependent on the engine displacement of your two-wheeler.

As per the latest update by the IRDAI, the following are the third-party two-wheeler insurance rates for old bikes across various cc ranges. Check the bike insurance premium calculator.

Two Wheelers with engine capacity Premium rate (effective 1st June 2022)
Not exceeding 75cc  ₹538 
Exceeding 75cc but not exceeding 150cc  ₹714 
Exceeding 150cc but not exceeding 350cc  ₹1,366 
Exceeding 350cc  ₹2,804 

Third-Party Premium for New Two-Wheelers (5-Year Single Premium Policy)

The table below shows the third-party two-wheeler insurance rate chart for new two-wheelers with a 5-year single premium policy. 

Two-Wheelers with Engine Capacity Premium Rate (effective 1st June 2022)
Not Exceeding 75cc  ₹2,901 
Exceeding 75cc but Not Exceeding 150cc  ₹3,851 
Exceeding 150cc but Not Exceeding 350cc  ₹7,365 
Exceeding 350cc  ₹15,117 

Third-Party Premium for New Electric Two-Wheelers (1-Year Single Premium Policy)

Here is the third-party two-wheeler insurance rate chart for new electric two-wheelers with a 1-year single premium policy.

Vehicle Kilowatt Capacity (KW) Premium Rate (effective 1st June 2022)
Not Exceeding 3KW  ₹457 
Exceeding 3KW but Not Exceeding 7KW  ₹607 
Exceeding 7KW but Not Exceeding 16KW  ₹1,161 
Exceeding 16KW  ₹2,383 

Third-Party Premium for New Electric Two-Wheeler (5-Year Single Premium Policy)

Here is the third-party two-wheeler insurance rate chart for new electric two-wheelers with a 5-year single premium policy.

Vehicle Kilowatt Capacity (KW) Premium Rate (effective 1st June 2022)
Not Exceeding 3KW  ₹2,466 
Exceeding 3KW but Not Exceeding 7KW  ₹3,273 
Exceeding 7KW but Not Exceeding 16KW  ₹6,260 
Exceeding 16KW  ₹12,849 

How to Buy Third-Party Bike Insurance Online with Digit?

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Enter Bike Details

On the Digit App or website, enter your bike’s registration number and click on view prices.

Choose the Plan

Select third-party insurance plan, mandatory PA cover (if you don't have one), policy tenure (1 or 3 years) and continue.

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.

File a Third-Party Bike Insurance Claim

How to File a Third-Party Bike Insurance Claim?

  • In the event of an accident, it is crucial to inform the police and call us at 1800-258-5956 for guidance on how to proceed with the claim, as delays can affect your claim eligibility.
  • The third-party must file an FIR and provide suitable evidence to support the claim.
  • The Motor Accident Claims Tribunal determines the compensation amount. While there is no upper limit for personal injury or death, compensation for property damage is capped at ₹7.5 lakhs.
  • Once the claim is filed, please notify the respective Nodal Officer, whose contact details are available here.
  • If compensation is awarded, the insurer will handle the payment on your behalf, offering peace of mind during a stressful time.

Documents Required for Third-Party Bike Insurance Claims

You need the following documents to raise a claim under third-party bike insurance in India:

Claim Form

Insurance Policy

Registration Certificate

Driving Licence

FIR

Repair Estimate

Advantages of a Third-Party Bike Insurance

Saves Money

Saves Money

Third-party bike insurance safeguards you from traffic violation penalties. The new fine chargeable on riding without at least a third-party insurance is at least ₹2,000, while the second time fine for the same is ₹4,000!

Protects You from Unexpected Losses

Protects You from Unexpected Losses

Protects you from losses and liabilities that could arise if you hurt a person, property or vehicle while riding your two-wheeler.

24x7 Support

24x7 Support

You will receive 24x7 support when you buy a third party bike insurance online so no matter what, your best friend a.k.a bike insurer will always be there for you!

Covers for Personal Damages

Covers for Personal Damages

Protects you in the unfortunate case where you get yourself hurt while riding your two-wheeler

Compliance with the Law

Compliance with the Law

Allows you to comply with the law, and ride legally on all Indian roads.
 

Peace of Mind

Peace of Mind

Reduces your mental stress, as you’re assured that in the case of any mishaps you may face, you’ll be covered.  

Disadvantages of a Third-Party Bike Insurance

Doesn’t Cover Own Damages

Doesn’t Cover Own Damages

It doesn’t cover for the losses caused in case you end up accidentally damaging your own two-wheeler! 

Doesn’t Cover for Natural Calamities

Doesn’t Cover for Natural Calamities

It doesn’t cover for you in the case of natural calamities such as floods, fires, cyclones and other nature furies that may cause damages and losses to your two-wheeler.  
 

No Customized Plans

No Customized Plans

You can’t customize your third-party two-wheeler insurance policy with additional features such as two-wheeler add-ons and covers like the zero-depreciation cover, engine and gearbox protection. You can only do it when you opt for comprehensive two-wheeler insurance. 

FAQs about Third-Party Bike Insurance in India

Manasvi Gupta

Written By:

Manasvi Gupta

Manasvi Gupta

Manasvi Gupta

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.

mayur-black-white-test

Reviewed By:

Mayur Kacholiya

mayur-black-white-test

Mayur Kacholiya

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.