Bike Insurance in Surat
9000+ Cashless Garages
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Buy/Renew Two-Wheeler Insurance in Surat Online
Surat, located in the western Indian state of Gujarat, is now the commercial and economic center of South Gujarat. It is also one of the largest urban areas of western India and is known for its textile industries. Befittingly, it has been dubbed the Silk City of India. It is also the largest center for man-made fiber in the nation. Along with textiles, diamond cutting and polishing is another industry that has been thriving in this city.
The presence of these industries is a lure for employment seekers, and as such, many migrate to this city for better employment opportunities. Surat will be one of the world's fastest-growing cities from 2019 to 2035, according to a study conducted by Economic Times.
Despite being economically developed, the city is plagued with poor transport management, rampant vehicle theft, etc. Monsoon plays havoc, leading to urban flooding. All this contributes to accidents and regular traffic snarls.
Hence, if you are a bike owner in Surat, consider getting a two-wheeler insurance policy at the earliest.
If you are looking for an insurance provider, then you can opt for Digit Insurance. With Digit, you can get comprehensive cover, own damage, and third-party insurance policies to protect your finances from unforeseen mishaps.
Apart from this, you can also get customisable add-ons like zero depreciation cover, breakdown assistance, tyre protection, etc.
Keep reading for further information.
Why Do You Need Two-Wheeler Insurance in Surat?
Let's look at the challenges faced by bike owners in Surat, which makes having a valid two-wheeler insurance policy even more important.
Heavy Commercialisation
Surat being an industrial hub, attracts mass movement of heavy vehicles all the year-round within the city, both on the narrow roads and on the highways. Commutation becomes even worse with the presence of poor worker/labour encroachments across industrial zones.
Climatic Drawbacks
Heavy rains in Surat, usually leads to flooding of the rivers, causing great damage to vehicle property and road infrastructure. Natural calamities like these can be lethal with an increased propensity for major accidents through collision, open manholes and potholes, etc.
Theft
The busy city thronging with vehicles makes it difficult for drivers to find a proper parking space. Often the lack of parking spaces forces drivers to park their vehicles in unsafe areas. Nicking a vehicle from these shady areas is a very easy task for the thieves. Two-wheelers general fall prey of unprotected parking spaces, irresponsible locking, etc.
Poor Road Infrastructure
Lack of proper administration and investment in the development of road infrastructure have lead to severe adversities and fatal accidents within the city. In one of the recent accidents registered in Surat in Sept. 2019, two men on a bike died on the spot after their bike skidded over multiple potholes on NH-48. Gujarat, as a whole, registered 19,081 road accidents in 2017 of which 7,289 were fatal according to the report presented by Commissionerate of Gujarat.
Why Choose Digit Two-Wheeler Insurance Policy in Surat?
Key Features of Digit's Two-Wheeler Insurance in Surat
What’s Covered in Two-Wheeler Insurance in Surat by Digit?
Here are the things that are covered under the two-wheeler insurance policy by Digit in Surat:
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 Surat
Following are the two wheeler insurance add-ons available in Surat:
What’s Not Covered in Digit's Two-Wheeler Insurance in Surat?
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 Surat
| 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 Surat
Here’s the list of Digit's top 25 cashless garages in Surat, as of August 18th, 2025.
Why Opt for Digit Two-Wheeler Insurance in Surat?
- Choose from Various Two-Wheeler Insurance 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 Heavy Traffic Penalties: It is mandatory to have at least a third-party bike insurance while traversing the roads in India. Uninsured bikes in Surat are now liable for a penalty of ₹2000, according to the new amendment in the Motor Vehicle Act. This expense can be avoided with third party insurance.
- Get Protected with Comprehensive Plan: Considering the challenges in Surat, from flood to theft, you should opt for a comprehensive bike insurance plan. Because it will pay you for the damages to your bike caused by any of the above-mentioned difficulties. And you can load up this plan with add-ons to seek more protection.
- Protect Yourself in Worst-Case Scenario: Personal accident cover add-on can be added to your third-party or your comprehensive bike insurance. It will ensure that you are financially backed up if you suffer from a permanent disability or death in an accident. This add-on is essential for accident-prone areas like Surat.
- Add-Ons Suitable for Surat Riders: For Surat, ‘Return to invoice’ can be the best choice, as it can help you get back the entire amount of your two-wheeler’s invoice value in case of theft of your vehicle. Engine & Gear Protection Cover will be another good choice for your two-wheeler, which will protect the engine and gearbox if they are damaged during the floods in Surat. You can explore other add-ons as well.
Digit Insurance Registered Offices in Surat
Here is the list of office addresses in Surat as of August 5th, 2025: