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General Insurance

Bike Insurance in Pune

9000+ Cashless Garages

96% Claims Settled (FY 24-25)

Buy/Renew Two-Wheeler Insurance in Pune Online

Pune is the second-largest city in Maharashtra, after Mumbai. The city is considered to be the cultural capital of Maharashtra” and the Oxford of the East" due to the presence of nine universities and 811 colleges. Pune has grown culturally and is growing to be the IT hub of Maharashtra.

It is home to various commercial and economic activities. There is a massive influx of workers and migrants from across and beyond the state. This has led to a rise in population, vehicle numbers, and subsequent congestion. The developmental works also impact the traffic flow.

If you are a bike owner from Pune, you must purchase two-wheeler insurance to get financial cover in the event of any mishap or damage. Third-party insurance is also mandatory for all vehicle owners as per the Motor Vehicles Act of 1988.

If you are looking for one in Pune, you can choose Digit, as it is one of the trusted insurance providers. When you choose Digit, you can opt for any of the two-wheeler insurance policies as per your budget and preference. You can get third-party, comprehensive, and own-damage bike insurance policies.

Continue reading to get a brief idea of the three.

Why Do You Need Two-Wheeler Insurance in Pune?

Let's look at the challenges faced by bike owners in Pune, which makes having a valid two-wheeler insurance policy even more important.

Increased Congestion
Increased Congestion

Pune is set to become one of the largest cities in India, with population growth predicted to grow to one crore by 2030. Currently, it accounts for ~21% of the state’s total vehicle population and is ranked 7th most congested city in India.  Even though 40 flyovers were constructed to manage the congestion, it only resulted in the shift of traffic and not in its management.

Bike Registrations Increased
Bike Registrations Increased

Pune being close to Mumbai, witnessed economic and industrial growth, pertaining to several IT and non-IT company settlements, encouraging mass labour force movement from rural to urban areas and even cross-state migration. This resulted in a sudden increase in population pressure. Consequently, two-wheeler registration increased manifold (vehicle density of 753 vehicles per 1,000 people). 

Infrastructural Drawbacks
Infrastructural Drawbacks

With several developmental plans under work-in-progress and encroachments on the busy main roads, a large channel of traffic is diverted from the main roads to several other by-lanes. Consequently, the heavy diverted traffic faces encroachments in the narrow side-lines which causes slower traffic, immediate brake propensity and high chances of accidents at close proximity.

Irresponsible Driving
Irresponsible Driving

According to police statistics, 637 fatal two-wheeler accidents were reported in Pune and Pimpri Chinchwad while over 1,000 suffered serious injuries between 2015-2018. Most of these deaths are due to ignorance of traffic rules, third party collisions due to rash driving or no helmets and reckless young drivers falling in the age group of 20-35 years. 

Why Choose Digit Two-Wheeler Insurance Policy in Pune?

Key Features of Digit's Two-Wheeler Insurance in Pune

Key Features Digit Benefit
Premium Starting from ₹714
No Claim Bonus Up to 50% Discount
Customizable Add-Ons 8 Add-ons available
Cashless Repairs Available at 9000+ Garages
Claim Process Smartphone-enabled Claim process. Can be done online within 7 minutes!
Own Damage Cover Available
Damages to Third-Party Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

What’s Covered in Two-Wheeler Insurance in Pune by Digit?

Here are the things that are covered under the two-wheeler insurance policy by Digit in Pune:

Accidents
Accidents

Damages and losses that may arise due to an accident or collision.

Theft
Theft

Covers for your losses in case your two-wheeler is unfortunately stolen!

Fire
Fire

Damages and losses to your two-wheeler in case of an accidental fire!

Natural Disasters
Natural Disasters

Damages caused to your two-wheeler due to nature’s many furies, such as due to floods, cyclones, etc.

Personal Accident
Personal Accident

Covers for your expenses in cases where you’ve hurt yourself too bad!

Third-Party Losses
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 Pune

Following are the two wheeler insurance add-ons available in Pune:

What’s Not Covered in Digit's Two-Wheeler Insurance in Pune?

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 icon
Own Damages for Third-Party Policy holder

In the case of a Third-Party Bike Policy, damages to own vehicle won’t be covered.

drink and drive icon
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
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
Contributory Negligences

Any contributory negligence (e.g. driving in flood) won't be covered.

Consequential Damages
Consequential Damages

Any damage which is not a direct result of the accident will not be covered.

Driving without a valid Driving Licence Holder
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 Pune

Third Party Comprehensive Own Damage

Damages/Losses to own two-wheeler due to an accident

×

Damages/Losses to own two-wheeler in case of fire

×

Damages/Losses to own two-wheeler in case of a natural calamity

×

Damages to Third-Party Vehicle

× ×

Damages to Third-Party Property

× ×

Personal Accident Cover

× ×

Injuries/Death of a Third-Party Person

× ×

Theft of your scooter or bike

×

Customize your IDV

×

Extra protection with customized add-ons

×
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 Pune

Here’s the list of Digit's top 20 cashless garages in Pune, as of August 18th, 2025.

Service Center Name Service Center Address Google Maps Link
Strong Wing 2W Honda Strong Wing 2W Honda, Block P, D 2, KSB Chowk, MIDC, Pimpri Colony, Pimpri-Chinchwad 411019 📍 View on Maps
Shiv Suzuki Shiv Suzuki, P-66/73, D-LI Block, Telco Road, Chinchwad, MIDC, Chinchwad, 411019 📍 View on Maps
J C Chetak EV J C Chetak EV, Finla Plot No. 62/10, Show Room No. 101 B, Tarte Colony, Karve Road, Haweli 411004 📍 View on Maps
Dhone Suzuki Dhone Suzuki, S. No. 47/30-C, Pl No.3, Parvati, Aranyeshwar Rd, Taware Colony, Parvati Paytha 411009 📍 View on Maps
Yash Honda Yash Honda, 14, Solapur Rd, Hadapsar Industrial Estate, Hadapsar 411013 📍 View on Maps
Mokha Hero Mokha Hero, Gat No 2335 Haveli, Khandve Nagar, Wagholi, Pune, Maharashtra 412207 412207 📍 View on Maps
Shanti Honda Shanti Honda, S.No. 161, Plot, No. 32, Vishrantwadi Airport Rd, Tingre Nagar, Pune, Maharasht 411006 📍 View on Maps
Autonity Suzuki Autonity Suzuki, Survey No 270 2/B, Aundh, Hinjawadi Rd, Shedge Vasti, Wakad, Pune, Maharashtra 411057 📍 View on Maps
Arihaan 2W Suzuki Arihaan 2W Suzuki, Ground Floor Shop No 1,2,3,Plot No 545/5,Shivneri Building,Sinhgad Road,Parvati 411030 📍 View on Maps
Dream 2W Suzuki Dream 2W Suzuki, 12 Np Staff Lines, Pune Cantonment 411001 📍 View on Maps
Dhone Suzuki 2W Dhone Suzuki 2W, Gorund Floor, Pl No 43 Sr No 8A, Dalal House, Welcome Hall Road, Hp Petrol Pump, Kondhwa Khurd 📍 View on Maps
Sehgal Hero Sehgal Hero, Survey No. 2494, Janardhan Building, Pune- Nasik Road, Chakan, Taluka Khed 410501 📍 View on Maps
Arya Suzuki Arya Suzuki, Grnd Flr,001, Parshawashanti Hights, Warulwadi Rd, Narayangaon 410504 📍 View on Maps
Akshay Hero Akshay Hero, Shop No 740,Pune-Nashik Hwy,Vitthal Arcade,Gavhane Vasti 410505 📍 View on Maps
Rishaan TVS Rishaan TVS, 2335, Inside Shree Heights, Khandve 411047 📍 View on Maps
Bharat Suzuki Bharat Suzuki, Bharat Suzuki Shop No. 1 & 2, Mihir Apartments, Bhairobanala, Wanwadi, Jamb 411040 📍 View on Maps
Four Stroke Multi Four Stroke Multi, Plot No 134, Mhetre Market, Sec No 2, Krishnannagr, Chinchwad Spine Road 📍 View on Maps
Platiinum RE Platiinum RE, Sr No 16/3/1B, Gavali Plot, Fatimanagar Pune, 411040 📍 View on Maps
Chintamani Multi Chintamani Multi, Grnd Flr, 8A, Dhayari Road, Vadgaon Kurd 📍 View on Maps
Kalamkar TVS Kalamkar TVS, H No 599/1, Pune, Maharashtra 411045 📍 View on Maps
Khandge Hero Khandge Hero, Survey No 380, Shantai Residency Maval Kalokhe Wadi 410506 📍 View on Maps
Automatic Suzuki Automatic Suzuki, Shop No 42,43,Kakade Plaza, Warje Malwadi Road,Warje Jakat Naka, Karve Nagar 411052 📍 View on Maps
Ishwar Motors Private Limited Ishwar Motors Private Limited, Banduk Ghar, 500/2, Ekta Nagar, Chakan 410501 📍 View on Maps
Das Suzuki Das Suzuki, Gat No. 1648, Waghe Wasti, Pune Nashik Highway, Chakan,Khed 410501 📍 View on Maps
Saira TVS Saira TVS, Kalewadi Main Rd, Indrayani Nagar, Nakhate Nagar, Thergaon 411033 📍 View on Maps

Why Opt for Digit Two-Wheeler Insurance in Pune?

Digit insurance has carved out a new niche in the insurance landscape by providing a hassle-free process; right from selecting your policy to settling claims. Their well-thought-out insurance plans are complemented by excellent add-ons and good services. 

  • Choice of Insurance: 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 Hefty Fines: Pune traffic authorities make sure of a  strict checking on vehicles and driving without an insurance document can get you in trouble. As per the Motor Vehicles Act, you will be levied a fine of Rs.2000 if you are caught driving without insurance. This can escalate to Rs.4000 for subsequent offences. Also, you might have to serve an imprisonment of 3 months. Digit’s third-party policy is the least you must have with you to avoid this.
  • Safeguard Against Worst-Case Scenarios: With Pune witnessing an alarming increase in accidents, Digit’s comprehensive policy can be a shield from draining you financially in-case you land in any mishap. With an increase in the number of irresponsible drivers in Pune, the chances of facing accidents due to others’ negligence become common, and the traffic congestions are some tough challenges for any rider to keep the vehicle safe. So a comprehensive two-wheeler insurance policy will give you peace of mind.
  • Add-Ons to Further Solidify Protection: Digit’s attractive add-ons can prove to be a boon on the Pune roads. In a city reeling under the pressure of traffic, the potency for an accident lurks at every corner. The components of the engine and gearbox are the most important and expensive as well, so Engine and Gearbox Protection will cover for any costs incurred while repairing the engine and gearbox or the transmission in all possible situations. With the passing years, the wears and tears on your two-wheeler will land you in a depreciation cost which will be deducted from your settlement amount. A zero depreciation cover can safeguard you against this. 
  • Get Secured with PA Cover: Who can resist a misfortune? Considering the rate of fatal accidents on Pune roads, the Personal Accident Cover becomes essential. With this add-on, your financial obligations will be taken care of by Digit, if you suffer from a permanent disability or death in an accident. Unlike other add-ons, this can be purchased with a stand-alone third-party policy as well.

Digit Insurance Registered Offices in Pune

Here is the list of office addresses in Pune as of August 5th, 2025:

Current Address Google Maps Link
Digit Insurance, 1st to 6th Floor, Ananta One (AR One), Pride Hotel Lane Narveer Tanaji Wadi, City Survey No. 1579, Bhamburda, Shivajinagar, Pune, Maharashtra 411005 📍 View on Maps