Third Party Bike Insurance

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What is Third Party Bike Insurance?

What’s Covered in Third Party Bike Insurance?

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 is 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

  • In case the driver/owner of the car, unfortunately, faces physical injuries or death/permanent disability.

What’s not Covered in Third Party Bike Insurance?

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

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

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.

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.

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.

Third Party Bike Insurance Premium

Two Wheelers with engine capacity

Premium rate

Not exceeding 75cc


Exceeding 75cc but not exceeding 150cc


Exceeding 150cc but not exceeding 350cc


Exceeding 350cc


Types of Bike Insurance plans

Third Party

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.


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.

Third Party


How to Claim?

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

Know more about Third Party Bike Insurance

FAQs related to Buying Third Party Bike Insurance