Third Party Bike Insurance

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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.

Third-Party Bike Insurance: Buy/Renew Third Party 2W Policy Online @₹714

Protect your two-wheeler against any loss or damage caused to a third party with Digit’s instant third-party insurance for bike online! Hit the road with peace of mind with our quick and simple smartphone-enabled buy, renewal, and claim processes.

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:

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

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

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

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:

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?

Digit’s third-party bike insurance offers essential legal coverage along with seamless roadside assistance and complimentary wellness benefits.

Super-Fast Claims

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

FREE Roadside Assistance Cover

Stuck in an unfortunate situation on the road? Digit gets help to you, right on time.

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 ₹714/-
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
24X7 Roadside Assistance	Complimentary with Third Party Policy
Personal Accident Cover	Up to 15 lakhs

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

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

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.

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

Damages/Losses to own two-wheeler due to an accident	×	✔	✔
Damages/Losses to own two-wheeler in case of fire	×	✔	✔
Damages/Losses to own two-wheeler in case of a natural calamity	×	✔	✔
Damages to Third-Party Vehicle	✔	✔	×
Damages to Third-Party Property	✔	✔	×
Personal Accident Cover	✔	✔	×
Injuries/Death of a Third-Party Person	✔	✔	×
Theft of your scooter or bike	×	✔	✔
Customize your IDV	×	✔	✔
Extra protection with customized add-ons	×	✔	✔

Know more about the difference between Comprehensive and Third-party bike insurance.

Who Should Get Third-Party Two-Wheeler Insurance?

Weekend Rider

Upgrader

Nostalgic Owner

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.

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.

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?

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.

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

Disadvantages of a Third-Party Bike Insurance

FAQs about Third-Party Bike Insurance in India

All

General

Coverage

Claims

Can I buy standalone third-party insurance for bike?

Yes, you can. However, it is always advisable to buy comprehensive bike insurance cover to ensure you are covered against anything and everything.

Is third-party bike insurance mandatory?

Yes, having at least a 3rd party bike insurance policy is mandatory under the Motor Vehicles Act 1988.

What if someone else was driving my bike during the time of accident, will Digit cover for my losses?

Yes, irrespective of whoever was driving the bike at the time of the accident, Digit Insurance will cover your losses. But if the driver didn’t possess a valid license they won’t be covered, and your claim can be nullified.

What happens if I meet with an accident in a different city/ state?

Digit Insurance has you covered irrespective of which city or state the incident happens.

Can I avoid taking the third-party two-wheeler insurance?

No, you can’t really avoid taking a third-party insurance for two-wheeler since it’s mandatory by law to at least have an insurance policy that covers for third-party damages. Anyone riding without a valid two-wheeler insurance policy is penalised!

Can I buy standalone third-party insurance for bike?

Yes, you can. However, it is always advisable to buy comprehensive bike insurance cover to ensure you are covered against anything and everything.

Is a Comprehensive Bike Insurance policy also mandatory?

No, comprehensive bike insurance is not mandatory by law in India. However, bike owners should have it as it covers their own bike and injuries in addition to third-party damages, along with a provision to buy add-on covers.

What is the cheapest third-party bike insurance?

The cheapest third-party bike insurance premium depends on your bike's engine size, location, and your driving record. However, it's more affordable than comprehensive insurance.

What is first party, second party and third party in bike insurance?

It means you (the policyholder) are the first party, while your insurer is the second party. Third party is anyone else involved in an accident – whether person, property, or vehicle.

Can I increase the IDV of my bike?

Yes, Digit allows you to customise your bike inusrance IDV while buying a new policy and even while renewing. Also, if you add external accessories to your bike, IDV will increase.

What happens if I am caught riding without a valid third-party bike insurance policy?

You will be liable to pay a fine of ₹2,000 for the first-time violation and ₹4,000 for being caught the second time.

Can I change 3rd party bike insurance to 1st party?

Yes, you can easily change your bike insurance policy from third-party to first party i.e. comprehensive bike insurance policy, by visiting Digit website or app.

Can I get third-party bike insurance for my 10-year-old bike?

Yes, you can get third-party bike insurance for your 10-year-old bike via Digit website or app in 4-5 simple steps.

Is third party bike insurance enough for my bike?

If you only want to cover damage or losses to third party person or property due to your two-wheeler then a third-party insurance two-wheeler policy is enough for you.

What is covered in third-party insurance for bike?

Third party bike insurance covers damage to the third-party property and injury, or death of a third party caused due to your two-wheeler in an accident.

Can I claim under third party bike insurance?

Yes, you can file for a claim under third-party bike insurance, but only for damage caused to others (people or property) due to involvement of your two-wheeler in an accident, and not your own bike or injuries.

Can I make a claim under third-party policy for a bike accident that happened in a different city or state?

Yes, Digit allows you to raise a claim for third-party liabilities even if the accident occurred in different cities or states as it is valid across India. However, remember to inform your insurer immediately.

If I claim my third-party bike insurance, will I lose my NCB?

No, you won’t. Your NCB or No Claim Bonus remains intact.

What is the maximum compensation offered as part of the third-party bike insurance policy?

As part of the third-party two-wheeler insurance policy, the maximum compensation depends on the affected party. If the damage is done to a third-party person, then unlimited liability is applicable. However, if damage is done to a third-party vehicle or property then maximum compensation is offered up to ₹7.5 lakhs.

What documents must I submit when raising a third-party bike insurance claim?

No documents are needed. However, the third-party affected must file a FIR at a nearby police station.

Can I renew a third-party bike insurance policy online if I have purchased it offline?

Yes, you can renew a bike insurance third-party online no matter the mode of purchase. You just need to provide your policy number, its expiry date and other details as required.

When should I file a claim under third-party bike insurance plan?

Ideally you should file a third-party claim for bike insurance at the earliest to avoid claim rejection. However, the maximum limit is 60 days after the accident.

Does third-party bike insurance offer any personal accident cover?

Basic third-party insurance doesn’t cover your own injuries or death. For that, you need personal accident cover or life insurance. You can add personal accident cover to your bike policy for extra protection.

What happens if I die in a bike accident and only have third-party insurance?

Third-party insurance won’t help your family financially. It only covers others’ damages. To protect your family, you need term insurance policy, which pays out lump sum in case of accidental death.

Can health insurance cover injuries from a bike accident?

Yes, health insurance can cover your medical expenses from a bike accident, but it won’t cover damage to others or their property. That’s where third-party bike insurance steps in, it handles legal liabilities to others.

Written By:

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.

Reviewed By:

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.