Bike Insurance

You can buy two-wheeler insurance online either through our website or app by following simple steps. Just enter your bike registration number, select your desired policy cover, enter previous policy details if any, and nominee details. Make the payment, complete your KYC and it's done!

Yes, Digit offers you the option to customise your IDV as desired – both while buying and renewing the policy from us. 

Third Party Liability Cover is a safe net when you hit someone else's bike, causing damage to life and property. Your insurance company pays for the damage on your behalf.

Comprehensive Bike Insurance Policy is considered the best two-wheeler insurance as it covers both third-party and own damage coverage. Moreover, you can also buy add-ons to enhance the policy coverage. 

Yes, you can! We offer 8 add-ons including 24*7 Breakdown Assistance, Engine & Gearbox Protection, Tyre Protection and many others

Yes. According to the Motor Vehicles Act 1988, at least having a two-wheeler insurance to cover for third-party liabilities and losses is mandatory. Without this, it’s illegal to ride your bike anywhere in India. Know more about the New Traffic Fines in India.

Yes. According to the Motor Vehicles Act 1988, at least having a two-wheeler insurance to cover for third-party liabilities and losses is mandatory. Without this, it’s illegal to ride your bike anywhere in India.

Know more about the New Traffic Fines in India.

As a bike owner, its one’s personal responsibility to always ensure their bikes are insured. In case you’re not sure of if your bike is insured or when the next renewal date is, all you need to do is visit your state RTO website and enter your two-wheeler registration number, post which all your bike’s details, including its bike insurance details (policy number, expiry date, etc.) will be present.

Yes, the pillion rider, or in simper terms- the passenger on the back seat is considered third-party and will hence be covered for in the case of an accident.

A third-party could refer to either a third-party person, vehicle or property obviously does not include you or your vehicle. Additionally, even the passenger on your back seat will be considered as a third-party. For example, if you happen to damage somebody’s gate while parking, the damage to the gate would be considered third-party damage.

If you are going to ride someone else’s bike, you don’t need an individual insurance policy yourself, but you need to make sure the person you’re borrowing the bike from, has at least a valid third-party bike insurance as you may need the same in case a cop checks on you while riding, or you run into some trouble.

Third-party insurance provides coverage against third-party liabilities while 1st party bike insurance or Own Damage cover protects your own bike. However, comprehensive bike insurance provides both 1st and 3rd party coverage so, it is the best insurance plan for bikes.

IRDAI has made it mandatory for every insurance provider to verify the authenticity of the policy buyer before issuing a new policy or renewing bike insurance.

Third-party Bike Insurance Policy is the cheapest bike insurance policy you can buy as it covers only the third-party liabilities and is also mandated by law in India.

It means that if you buy a new two-wheeler, it is mandatory to buy a 5-year insurance policy, which includes a 5-year Third-Party liability cover and an additional 1-year Own Damage cover.

None! With Digit, all our claims are done online via our smartphone enabled processes. During a claim, all you need to do is give us a call on 1800-258-5956 and we’ll send you a self-inspection link to assess your damages, after which we’ll give you the option to repair your bike at one of our garages or claim for a reimbursement, the choice is yours. 

Yes, absolutely! On doing so, you will benefit from your No Claim Bonus. This means, during your next bike insurance renewal online, you’ll be rewarded with a premium discount for making no claims throughout one policy period.

Inspection of your vehicle is required only when you’re purchasing a comprehensive or standard two-wheeler insurance online policy with us for the first time or are renewing your policy with us after the expiry date of your previous policy. The same is done through our smartphone-enabled app, online. After the inspection is approved by our team, your coverage for own damages is activated automatically.

An insurance policy for bikes is connected to the respective bike and its owner. However, if someone does borrow your bike and while doing so, causes damages to the bike or a third-party then your bike insurance will still cover for the losses and damages (as per respective policy conditions), as long as you mention this while making the claim and that both the bike papers and policy documents are in your name only.

No, you cannot claim income tax exemption for buying bike insurance under Section 80C.

A surveyor is an important person as he/she assesses the damage to your two-wheeler and that of the third party, if required. They will then submit a damage assessment report to your insurance company. After that only your claim request will be processed.

No, your two-wheeler insurance policy is attached to your two-wheeler registration number and hence your current insurance policy can’t be used for your new vehicle. You’ll need to get a new two-wheeler insurance policy for the same. In case you’re selling your old vehicle, you can just transfer your current insurance policy to the new owner too.

Zero-depreciation or the bumper-to-bumper cover is an add-on available in a standard or comprehensive two-wheeler insurance. On opting for this add-on in your two-wheeler insurance policy, we won’t calculate depreciation on your bike and therefore, give you the complete IDV or required compensation without reducing any amount that is usually deducted on charge of depreciation. Know more about the difference between Comprehensive and Zero Depreciation bike insurance policy.

Engine is only covered if you have purchased the Engine Protect add-on cover with the Comprehensive or Own Damage bike insurance policy. 

This depends on what your personal requirements are 😊 At Digit, we offer unique benefits such as online claims and purchase for quick and transparent processes, smartphone enabled inspection to ensure claims are settled instantly, thousands of cashless garage options so you can get your bike repaired without worrying about the payment, and of course some suitable add-ons to choose from that can act as additional shields to your bike.

No, a third-party two-wheeler insurance isn’t more expensive. According to the law, at least having a third-party insurance is compulsory for all riders. However, having comprehensive or standard bike insurance- although slightly more expensive is more cost effective as it covers both third-party damages and your own damages as well under one policy. Know more about Third Party Bike Insurance Rates.

No, a third-party two-wheeler insurance isn’t more expensive. According to the law, at least having a third-party insurance is compulsory for all riders. However, having comprehensive or standard bike insurance- although slightly more expensive is more cost effective as it covers both third-party damages and your own damages as well under one policy.

Know more about Third Party Bike Insurance Rates.

A third-party two-wheeler insurance is one that only covers losses against third-party damages only, whereas a comprehensive two-wheeler insurance covers both third-party damages and your own damages as well. Know more about the difference between Comprehensive and Third-party bike insurance.

You can use your insurance company’s bike insurance calculator to calculate the premium. These calculators are designed to analyse the vehicle’s make and model, its age, cubic capacity of the engine, and your chosen coverage to calculate the insurance premium.

Third-party liability cover starts as low as ₹538 in India, while the premiums of other plans vary depending upon factors like type of coverage, bike make/model, engine capacity, add-ons, geographical location, etc.

You can find the policy number for your bike insurance mentioned on the Insurance Certificate provided by your insurance company and in the emails or other communication sent by your insurer. You can also check your insurance details online by visiting the website of the State Transport Department or by visiting www.parivahan.gov.in

You can find the policy number for your bike insurance mentioned on the Insurance Certificate provided by your insurance company and in the emails or other communication sent by your insurer.

You can also check your insurance details online by visiting the website of the State Transport Department or by visiting www.parivahan.gov.in

Yes, you can customize your two-wheeler insurance coverage while purchasing online by opting for additional add-on covers to enhance your policy's coverage, such as zero depreciation cover, roadside assistance, personal accident cover, etc.

Yes, you can cancel the bike insurance policy. However, to get a refund for the premium paid, you must adhere to the terms and conditions of the policy.

To do two-wheeler insurance renewal online with Digit Insurance, visit the two-wheeler insurance page, enter your bike brand, variant and registration date- after which you’ll be asked to enter your existing policy’s expiry date and service provider.  After filling in the required details and opting for your required plan and cover, your new bike insurance policy will automatically be renewed with us, after the expiry of your existing policy.

To do two-wheeler insurance renewal online with Digit Insurance, visit the two-wheeler insurance page, enter your bike brand, variant and registration date- after which you’ll be asked to enter your existing policy’s expiry date and service provider. 

After filling in the required details and opting for your required plan and cover, your new bike insurance policy will automatically be renewed with us, after the expiry of your existing policy.

Yes, you can opt for a different cover and add-ons during bike insurance policy renewal, as per your current needs.

You can refer to the policy document to check the validity or open Digit app and check your policy details.

The break-in period is the time between your policy expiry date and its renewal date. The break-in period is important because during that time your bike insurance plan is inactive, implying that you cannot raise claim requests. 

Yes, bike insurance must be transferred to the new owner during the sale of the vehicle. As per regulations, the third-party insurance gets automatically transferred, but the own-damage cover requires a formal transfer request with the insurer.

Yes, the No Claim Bonus is linked to the policyholder and not the vehicle, which means it can be transferred to a new bike when you upgrade. This allows you to continue enjoying discounts on your premium even after selling your old vehicle.

The time taken to settle a bike insurance claim depends on the type of claim and the insurer’s process. With digital insurers, claims can be initiated within minutes and processed much faster using tools like video-based inspections. Simpler claims with clear documentation are generally settled quicker than complex cases.

Yes, you can buy bike insurance even if you do not have a previous policy, such as in the case of a new purchase or a long-expired policy. However, you will not be eligible for No Claim Bonus benefits, and the insurer may require inspection of the vehicle before issuing the policy.

For daily commuters, a comprehensive bike insurance policy is generally the best choice because it provides coverage for both third-party liabilities and damage to your own vehicle. Since regular usage increases the risk of wear, accidents, and breakdowns, pairing it with practical add-ons like zero depreciation and roadside assistance can significantly improve overall protection.

Yes, your premium may increase after making a claim primarily because you lose your No Claim Bonus. Since NCB can offer significant discounts over time, frequent claims can impact your long-term premium costs. This is why many riders avoid claiming for minor damages.

No, it is not allowed to have multiple insurance policies covering the same risk for a single bike. Even if more than one policy exists, you cannot claim the same damage from multiple insurers, as this is restricted under insurance regulations.

Bike insurance can cover accessories, but only if they are declared and included in the policy at the time of purchase. Factory-fitted accessories are typically covered, while aftermarket modifications need to be specifically added to ensure they are protected.

After a bike accident, your first priority should be safety, followed by informing your insurer as soon as possible. It is important to document the damage through photos or videos, avoid making repairs before approval, and follow the insurer’s claim process to ensure smooth settlement.

A Personal Accident (PA) Cover in bike insurance provides financial compensation if the owner-driver suffers bodily injury, permanent disability, or death due to a road accident involving the insured two-wheeler. As per regulatory requirements, a mandatory PA cover offers coverage of up to ₹15 lakh for the owner-driver.