Bike Insurance in Noida
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Buy/Renew Two-Wheeler Insurance in Noida Online
Noida is a planned city under the management of the New Okhla Industrial Development Authority (also called NOIDA) in Uttar Pradesh. It is a satellite city of Delhi and is a part of the National Capital Region of India. Geographically, Noida is located in the Gautam Buddh Nagar district of Uttar Pradesh state in proximity to the NCT of Delhi.
The district's administrative headquarters are in the nearby town of Greater Noida. The city sees massive traffic congestion due to a high number of vehicles, unmanned auto parking, bus halts, etc. The heavy fog in winter often leads to major accidents.
As a bike owner in Noida, you need to get a two-wheeler insurance policy. A two-wheeler insurance policy provides financial cover in the event of an accident, damage, or theft. This is not only for safeguarding yourself financially but also for avoiding any legal complications.
The Motor Vehicles Act of 1988 has made it essential for every vehicle owner to have a third-party insurance plan.
In case you are searching for a two-wheeler insurance plan in Noida, look no further than Digit. Digit has an online claim settlement process that you can complete via your smartphone. Read on to know more about what Digit offers to its policyholders.
Why Do You Need Two-Wheeler Insurance in Noida?
Let's look at the challenges faced by bike owners in Noida, which makes having a valid two-wheeler insurance policy even more important.
High Death Tolls
According to the data, Noida in 2018 witnessed 659 road accidents, 1,388 injuries and 111 deaths, against 763 accidents, 1,426 injuries and 146 deaths on the expressway, in 2017. The major accident spot was linked to the Delhi-Agra highway with 357 reported accidents. Another major spot is the Yamuna Expressway highway with 280 accidents reported. These high numbers throw caution in the air to the drivers cruising down these highways at high speed.
Intense Fog Issues & Low Visibility
Noida ranks among the worst globally for air quality, with AQI levels exceeding 499—well above the “severe” threshold of 400. Key contributors include open garbage burning, heavy traffic, and widespread construction that raises PM 2.5 levels. Its proximity to Haryana and Punjab adds to the pollution due to stubble burning, creating thick black fog. Despite government efforts like water sprinkling, visibility remains dangerously low, especially in winter, sometimes dropping to just 50 meters—posing serious risks for drivers.
Presence of Unmanned Bus Halts & Auto Parking
In April 2019, Noida police authorities seized 23 buses that were dropping and picking up passengers from the middle of the road, under the Mahamaya Flyover along the Noida-Greater Noida Expressway. Auto-rickshaws plying along the NH-24 were also seized for similar violations. The lanes are overcrowded with autos and their repeated traffic violation for on-road drop and pick up causes severe traffic congestion with a high risk of accidents.
What Makes Digit Ideal for Two-Wheeler Owners in Noida?
Digit cannot solve the infrastructural or pollution issues of Noida but can for sure safeguard you (as a two-wheeler owner) against any odds created out of these problems. The company offers a complete end-to-end online bike insurance solution with easy claim settlements, which can all be completed even with a smartphone.
A wide array of garages where you can opt for cashless service. The simple and easy-to-understand documents, along with no hidden charges, will help you weed out the middlemen while buying insurance with Digit.
Choice of Policies: Digit offers three types of two-wheeler insurance. Third-party bike insurance, which covers only third-party liabilities such as injury, death, or property damage. Own damage bike insurance, which covers loss and damage to your own bike, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party bike insurance policy, and lastly, there's comprehensive bike insurance, which covers both own damage and third-party claims.
- Avoid Penalties with Third-Party Insurance: As per the amendment in the Motor Vehicle Act in September 2019, if you are caught riding an uninsured bike, then a hefty penalty of Rs.2000 and/or imprisonment of 3 months will be imposed, and the licence may get cancelled.
- All-Rounder Comprehensive Plan: For a city infested with severe road accidents, even if you are a cautious driver, accidents can happen due to others’ negligence. Natural calamities like floods and issues like fire and intense fog in Noida are also beyond our control. For a notorious place like Noida, theft can also pose a serious challenge. A comprehensive plan can safeguard you against all these aforementioned issues.
- Add-On Grip for Smoother Experience: Having to snake your way through heavy traffic can leave your vehicle with dents and damages. If your bike is new, then the Zero Depreciation cover is the most recommended, as it will nullify the depreciation in the filing of a claim. The engine and gear protection cover will cover the accidental damages to the engine and gearbox of your bike in every possible situation. To be on the safe side, you can also opt for the Return to Invoice cover for when your bike is stolen or is totaled in an accident.
Why Choose Digit Two-Wheeler Insurance Policy in Noida?
Key Features of Digit's Two-Wheeler Insurance in Noida
What’s Covered in Two-Wheeler Insurance in Noida by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Noida:
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.
Two Wheeler Insurance Add-ons Available in Noida
Following are the two wheeler insurance add-ons available in Noida:
What’s Not Covered in Digit's Two-Wheeler Insurance in Noida?
It is equally important to know what’s not covered in your two-wheeler insurance policy, so that there are no surprises when you make a claim
Own Damages for Third-Party Policy holder
In the case of a Third-Party Bike Policy, damages to own vehicle won’t be covered.
Drunk Riding or without a Licence
Situations where you were riding drunk or without a valid two-wheeler licence won't be covered.
Add-Ons Not Bought
Some situations are covered in add-ons. If you haven’t bought those, the corresponding situations will not be covered.
Contributory Negligences
Any contributory negligence (e.g. driving in flood) won't be covered.
Consequential Damages
Any damage which is not a direct result of the accident will not be covered.
Driving without a valid Driving Licence Holder
If you hold a learner’s licence and were riding without a valid licence-holder then your claim won’t be covered.
Two-Wheeler Insurance Plans in Noida
| Third Party | Comprehensive | Own Damage |
Damages/Losses to own two-wheeler due to an accident |
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Damages/Losses to own two-wheeler in case of fire |
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Damages/Losses to own two-wheeler in case of a natural calamity |
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Damages to Third-Party Vehicle |
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Damages to Third-Party Property |
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Personal Accident Cover |
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Injuries/Death of a Third-Party Person |
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Theft of your scooter or bike |
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Customize your IDV |
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Extra protection with customized add-ons |
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| Get Quote | Get Quote | Get Quote |
Know more about the difference between comprehensive and third party two wheeler insurance
Digit's Cashless Garages
List of 9000+ Network Garages >Popular Cashless Garages in Digit's Network in Noida
Here’s the list of Digit's top 9 cashless garages in Noida, as of August 18th, 2025.