Bike Insurance in Pune
9000+ Cashless Garages
96% Claims Settled (FY 24-25)

9000+ Cashless Garages
96% Claims Settled (FY 24-25)
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.
Let's look at the challenges faced by bike owners in Pune, which makes having a valid two-wheeler insurance policy even more important.
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.
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).
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.
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.
Here are the things that are covered under the two-wheeler insurance policy by Digit in Pune:
Damages and losses that may arise due to an accident or collision.
Covers for your losses in case your two-wheeler is unfortunately stolen!
Damages and losses to your two-wheeler in case of an accidental fire!
Damages caused to your two-wheeler due to nature’s many furies, such as due to floods, cyclones, etc.
Covers for your expenses in cases where you’ve hurt yourself too bad!
When a person, a vehicle or a property is hurt or damaged due to your bike's actions.
Following are the two wheeler insurance add-ons available 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
In the case of a Third-Party Bike Policy, damages to own vehicle won’t be covered.
Situations where you were riding drunk or without a valid two-wheeler licence won't be covered.
Some situations are covered in add-ons. If you haven’t bought those, the corresponding situations will not be covered.
Any contributory negligence (e.g. driving in flood) won't be covered.
Any damage which is not a direct result of the accident will not be covered.
If you hold a learner’s licence and were riding without a valid licence-holder then your claim won’t be covered.
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
Here’s the list of Digit's top 20 cashless garages in Pune, as of August 18th, 2025.
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.
Here is the list of office addresses in Pune as of August 5th, 2025: