Comprehensive Bike Insurance
Buy/Renew Comprehensive Bike Insurance Online
9000+
Cashless Garages
96% Claim
Settlement Ratio
3 Cr+
Policies Sold
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Bike insurance Online, starting ₹752
It's a brand new Bike
9000+
Cashless Garages
96% Claim
Settlement Ratio
3 Cr+
Policies Sold
What is Comprehensive Bike Insurance?
Why Should You Get Comprehensive Bike Insurance?
Following are the benefits of getting a comprehensive bike insurance plan:
Wide Coverage
A comprehensive 2-wheeler insurance policy covers your vehicle against almost all types of damages, whether caused by road accidents or manmade or natural disasters. It also covers losses due to theft and third-party liabilities.
Financial Security
Losses due to accidents, theft, and unfortunate events can be expensive. A comprehensive bike insurance policy acts as a financial shield, saving you a significant financial burden.
Peace of Mind
Knowing you're comprehensively covered allows you to ride your two-wheeler with peace of mind as you'll be less worried about the financial burdens due to unforeseen events.
Add-on Covers Available
Comprehensive insurance plans allow you to buy additional benefits in the form of add-ons for enhanced protection.
Types of Bike Insurance Plans in India
Third-Party Bike Insurance
Comprehensive Bike Insurance
Own Damage Bike Insurance
Third Party
Comprehensive
Own Damage
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Damages/Losses to own two-wheeler due to an accident |
×
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✔
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✔
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Damages/Losses to own two-wheeler in case of fire |
×
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✔
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✔
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Damages/Losses to own two-wheeler in case of a natural calamity |
×
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✔
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✔
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Damages to Third-Party Vehicle |
✔
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✔
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×
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Damages to Third-Party Property |
✔
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✔
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×
|
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Personal Accident Cover |
✔
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✔
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×
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Injuries/Death of a Third-Party Person |
✔
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✔
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×
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Theft of your scooter or bike |
×
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✔
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✔
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Customize your IDV |
×
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✔
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✔
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Extra protection with customized add-ons |
×
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✔
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✔
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Know more about the difference between comprehensive and third party two wheeler insurance
Difference Between Comprehensive and Third-party Insurance for Bike
Why Choose Comprehensive Bike Insurance by Digit?
Your comprehensive bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
Cashless Repairs
9000+ Cashless Network Garages for you to choose from across India
Smartphone-Enabled Self Inspection
Quick and paperless claims through Smartphone enabled processes that make you go "That's it?"
Super-Fast Claims
We’ve settled 96% of all two-wheeler claims! Experience claims that make you go “that’s it?”
Customize Your Vehicle IDV
With us, you can customize your vehicle IDV as per your choice!
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 Digit's Comprehensive Two-Wheeler Insurance
What’s Covered in Comprehensive Bike Insurance by Digit?
Accidents
Damages and losses that may arise due to an accident or collision
Theft
Covers for your losses in case your two-wheeler is unfortunately stolen!
Fire
Damages and losses to your two-wheeler in case of an accidental fire!
Natural Disasters
Damages caused to your two-wheeler due to nature’s many furies, such as due to floods, cyclones, etc.
Personal Accident
Covers for your expenses in cases where you’ve hurt yourself too bad!
Third Party Losses
When a person, a vehicle or a property is hurt or damaged due to your bike's actions.
What’s not Covered in Comprehensive Bike Insurance by Digit?
What is not covered differs from one insurance company to another but to list some, we give you some conditions under which the damage to your bike will not be covered in your comprehensive insurance policy by Digit:
Drunk Driving
Damage is done by a person driving under the influence of drugs or alcohol.
No Valid Licence
Damage is done by a person driving without a valid license or has a learner’s license but no valid license holder on the vehicle.
Consequential Damage
Consequential damage does not occur as a direct result of the accident. Unless covered for in an add-on, such damages can’t be covered.
Contributory Negligence
Any contributory negligence, like damage due to driving the bike in a flood can pose a risk, which is not recommended as per the manufacturer’s driving manual, will not be covered!
Add-Ons not Bought
Some situations are covered in add-ons bought along with the policy. In case the add-ons are not bought, the corresponding situations will not be covered.
Add-On Covers with Comprehensive Bike Insurance by Digit
Two-wheeler insurance add-ons which you can buy with your comprehensive two-wheeler insurance policy
Daily Conveyance Benefit
The add-on cover of daily conveyance benefit will ensure that you are compensated for your transportation cost during the period when two-wheeler is under repair subject to applicable time excess. A policyholder can be compensated in the form of fixed allowance per day or coupons from taxi operators from an amount equal to per day fixed allowance.
Engine & Gear-box Protection Cover
Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered. However, with the engine and gear-box protection add-on cover, you can specifically cover the life of your vehicle for any consequential damages caused post the accident.
Tyre Protect
The tyre protect add-on cover is offered only to vehicles fitted with run flat technology. As part of it, the cost of replacing damaged tyres with equivalent or near equivalent to the one being used in the vehicle, labour and wheel balancing charges can be reimbursed. However, claims made under the add-on cover is subject to conditions set forth under the vehicle insurance policy.
Consumable Cover
The add-on of consumable cover adds an additional shield to your two-wheeler. Covers the cost for all your bike’s nitty-gritties such as the engine oils, screws, nuts and bolts, grease, etc. in the event of an accident.
Return to Invoice Cover
If you fall into a situation where your bike is stolen or damaged beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike, including the road tax and registration fees for the same
EV Shield Add-on Cover
This EV Shield add-on cover for electric two wheeler in India will protect you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and offer roadside assistance services specific to EVs.
Zero Depreciation Cover
Think of it like an effective anti-ageing cream for your bike and its parts. Usually, the required depreciation amount is always taken in account during claims. However, a zero-depreciation cover ensures no depreciation is taken into consideration, so you get the full value of the cost of repair/replacement during claims.
Breakdown Assistance
The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.
Who Should Buy Comprehensive Insurance for Bike?
Raj & Preeti, 40 & 36 Year Old Couple
Ananya, 28 Year Old Female
Arjun, 24 Year Old Male
Mehul, 30 Year Old Male
Riya, 18 Year Old Female
How to Renew Comprehensive 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 the Plan
Select the comprehensive bike insurance plan and choose desired add-ons.
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 is Comprehensive Bike Insurance Premium Calculated?
You can use our Bike Insurance Premium Calculator to easily calculate the estimate premium of comprehensive bike insurance, which is calculated based on:
- IDV: A higher IDV means more payout, so it leads to a higher premium.
- NCB: No Claim Bonus in bike insurance is when you have a good driving history with no claims in the previous year, you get a discount on the base premium.
- Add-on Covers: The add-ons you choose also determine your bike insurance premium.
- Modifications: Any modifications made to the two-wheeler can increase the premium as well.
- RTO Location: If you drive in high-traffic areas or locations with a higher accident rate, your premium increases.
Factors Determining Comprehensive Bike Insurance Premium
The premium of comprehensive insurance for bikes depends on various factors, which include:
Bike Model
The make and model of your bike greatly affect the premium. Expensive bikes or those with powerful engines attract higher premiums due to costly repairs.
Age of Vehicle
Older bikes have higher depreciation, reducing their market value. This means a lower Insured Declared Value (IDV) and a lower base premium.
IDV (Insured Declared Value)
IDV is the bike’s current market value and directly impacts the premium. A higher IDV means better coverage but also a higher premium.
No Claim Bonus
If you haven’t made any claims in a policy year, you earn a discount on your next premium through NCB, reducing your overall cost.
Coverage Type
Comprehensive insurance covers both third-party liability and own damage, offering better protection but at a higher premium than third-party-only plans.
Add-ons
Extra covers like zero depreciation, roadside assistance, or engine protection increase your premium but provide enhanced benefits.
Modifications
Any performance or aesthetic modifications to your bike raise the premium, as these parts are expensive to repair or replace.
RTO Location
If your bike is registered in an accident-prone or high-traffic area, the risk is higher, leading to an increased premium.
How to Reduce Your Comprehensive Bike Insurance Premium?
- Choose Your Insurance Coverage Wisely: Get comprehensive insurance for two-wheelers only if it feels necessary or if you want enhanced protection for your luxury bike, as it comes with an increased premium. However, if you only want to comply with the laws and want a more affordable insurance policy, consider third-party insurance.
- Maintain a Good Driving Record: A clean driving record with no claims in the previous year can get you a discount on the next premium as No Claim Bonus (NCB). You could also consider increasing your voluntary deductible, which will help in decreasing your bike insurance premium.
- Buy Only Relevant Add-Ons: Add-ons provide an extra layer of protection to your bike, but they also increase your bike insurance premium. Therefore, only opt for bike insurance add-on covers that you truly need.
- Set Realistic IDV: Never overestimate your bike's IDV, and aim for an IDV that truly aligns with your bike's current market value. This is because a higher IDV means a higher premium for you.
- Talk to Your Insurer: Depending on your insurance company and your risk profile, you can always talk it out with them and ask for some negotiation on the premium!
Importance of IDV When Choosing a Comprehensive Bike Insurance Policy
FAQs about Comprehensive Two-Wheeler Insurance
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.
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.