Bike Insurance in Pune
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1000 Crore+
Paid-in Claims
3 Cr+
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9000+
Cashless Garages
1000 Crore+
Paid-in Claims
3 Cr+
Policies Sold
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.
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.
What Makes Digit Ideal for Two-Wheeler Owners 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.
Why Choose Digit Two-Wheeler Insurance Policy in Pune?
Key Features of Digit's Two-Wheeler Insurance in Pune
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:
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.
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
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.
Two-Wheeler Insurance Plans in Pune
| 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 Pune
Here’s the list of Digit's top 20 cashless garages in Pune, as of August 18th, 2025.
Digit Insurance Registered Offices in Pune
Here is the list of office addresses in Pune as of August 5th, 2025: