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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.
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.
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.
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.
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.
Select the Policy
Select third-party two-wheeler insurance policy and desired add-ons that fit your needs and budget.
Buy or Renew Policy
Purchase or renew your bike insurance online instantly with Digit, with minimal paperwork.
Pay Premium
Make regular payments (annually or in installments) based on factors like bike’s age, model, IDV, NCB, and coverage type.
File a Claim
If your bike is stolen or damaged in an accident, you can file a claim with your insurer, who after damage assessment will settle the claim as per the policy terms.
Here’s why you should buy cheapest third-party bike insurance in India:
Having at least a third-party insurance for bike in India is the law! Driving without one can lead to fines and penalties.
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.
You can drive your bike worry-free knowing that you're covered for third-party damages.
Compared to comprehensive insurance, third-party is a cheaper way to meet legal requirements and basic protection in accidents.
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.
8 Lacs+
Claims Settled
1000 Crore+
Paid-in Claims
96% Claims Settled
FY'25
9000+
Cashless Garages
Disclaimer: This count is for total number of claims settled for two wheeler policies since inception till 31st December-2024. This amount is for claims settled for two wheeler policies since inception till 31st December-2024. This Claim Settlement Ratio is calculated 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). The total count of network garages as of 31st December 2024.
When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:
Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
Cashless Claims at over 9000+ garages in India, so you can get your two-wheeler fixed without stress.
Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!
4.7/5
(250K + Customer Ratings)
4.9/5
4.7/5
6 Dec 2024
Shaaz Suhail Salafi
13 Dec 2024
Ajay Bharade
13 Dec 2024
DinShaw Sahukar
20 Dec 2024
Abhishek Sharma
13 Aug 2024
Pratheesh R
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.
In Surat, a bike owner faced an unusual problem—rats chewed through the wire harness not once, but twice in a single year, all while the vehicle was parked safely at home! Thankfully, the insurance policy included coverage for such unexpected damages. Both times, the repair costs were fully covered, saving the owner from out-of-pocket expenses.
This case proves that insurance isn’t just for accidents or theft—it also protects against the most unexpected (and smallest) threats.
This year, we received some standout premium payments across different vehicle types. A Ferrari topped the list in the four-wheeler category with a premium of ₹8.04 lakh. In the two-wheeler segment, a Hayabusa was insured with a premium of ₹44,000. And in the commercial vehicle category, a Volvo L150 wheel loader was covered with a premium of ₹3.53 lakh. This highlights how our insurance scales to match the value and purpose of every vehicle, whether it’s built for speed, style or strength.
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.
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
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.
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:
In the case of a Third party bike insurance policy, damages to own vehicle won’t be covered.
Your bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.
Some situations are covered in add-ons. If you haven’t bought those two wheeler add-ons, the corresponding situations will not be covered.
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.
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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 bike insurance.
Ramesh, 25 Year Old Male
Priya, 27 Year Old Female
Arjun, 29 Year Old Male
Enter Bike Details
On the Digit App or website, enter bike’s registration number and select the policy status.
Choose the Plan
Select the plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
To buy Digit third-party bike insurance online, a load of paperwork is not required. Furnish only the following documents to buy a new two-wheeler insurance policy within minutes:
Registration Certificate
Previous Year Insurance Policy
A Previous Year Insurance Policy refers to the two-wheeler insurance coverage you had for the previous policy term, typically valid for one year. It includes details like:
Documents for KYC Verification
After purchasing a two-wheeler insurance policy, it is essential to download and keep a copy for future reference. With us, you do not need to carry hard copies of your insurance policy. You can simply download it from our app. 🙂 Follow these simple steps to download your policy document from the Digit website or app:
Login Your Account
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
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
The below data is for all the products as given in the table below.
That’s how many times we showed up for our customers in FY 2024–25. Behind each of those numbers is a mishap, and we were right there, making sure things got sorted quickly.
Out of these, nearly ₹6.52 lakh were motor insurance claims alone—proof that we’re there when it matters most, whether it’s something trivial or serious.
From minor hiccups to major emergencies, we made sure our customers didn’t have to carry the financial burden alone. Quick settlements, zero confusion, and real peace of mind.
Of this, ₹2,199 crore was paid out under motor insurance, covering everything from accidents to unexpected situations like rat damage.
Out of 9.16 lakh claims in FY 2024–25, only 256 were escalated to the Hon’ble Ombudsman^. Out of which only 46# were escalated and ruled in favour of the customer. This significantly proves the claim's accuracy rate of 99.9950%.
For Motor Claims, out of 256 escalated claims for Digit, just 124 were motor-related. By year-end, 104 motor claims were closed, with 28 resolved through mediation. Only 26 health claim decisions went in favour of customers.
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost, and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
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, following are the two-wheeler premium charges across various cc ranges. Check the bike insurance premium calculator.
Third Party Premium for Old Two-Wheelers
Given below is the third-party two-wheeler insurance rate chart for old bikes.
The given table shows the third-party two-wheeler insurance rate chart for new cars with a 3-year single premium policy.
Here is the third-party two-wheeler insurance rate chart for new electric vehicles (two-wheelers) with a 3-year single premium policy.
Here is the third-party two-wheeler insurance rate chart for new electric vehicles (two-wheelers) with a 3-year single premium policy.
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 losses and liabilities that could arise if you hurt a person, property or vehicle while riding your two-wheeler.
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!
Protects you in the unfortunate case where you get yourself hurt while riding your two-wheeler
Allows you to comply with the law, and ride legally on all Indian roads.
Reduces your mental stress, as you’re assured that in the case of any mishaps you may face, you’ll be covered.
It doesn’t cover for the losses caused in case you end up accidentally damaging your own two-wheeler!
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.
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.
Third Party Bike Insurance for Popular Models in India
Two Wheeler Insurance for Popular Brands in India
Please try one more time!
Two Wheeler Insurance for Popular Models in India
Have queries related to Digit motor insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
Connect with our self-serve chat bot support - 7026061234
Write to us at hello@godigit.com
Contact
Call us on 1800-258-5956
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