Comprehensive Bike Insurance

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.

Buy Comprehensive Bike Insurance Policy Online & Get Up to 80% Off

We know you love your bike and probably only bought it after quite a lot of thought, research, planning, budgeting, inquiries, and suggestions. You now have the bike of your dreams and want to safeguard both your bike and your pocket.

For that, get comprehensive bike insurance with Digit and enjoy those thrilling road trips. We’ll guide you through everything you need to know about the right bike insurance and the required add-ons that’ll protect you at their best.

What is Comprehensive Bike Insurance?

A comprehensive bike insurance policy is an insurance plan for two-wheelers that protects them in an accident against different kinds of damage, loss, and theft. A two-wheeler insurance comprehensive policy provides extensive coverage for all kinds of unforeseen events so that you can have a completely hassle-free ride. It is a combination of third-party liability and own-damage cover. Digit also offers various add-ons along with the comprehensive bike insurance policy for enhanced protection.

Why Should You Get Comprehensive Bike Insurance?

Following are the benefits of getting a comprehensive bike insurance plan:

Types of Bike Insurance Plans in India

Third-Party Bike Insurance

Third-party bike insurance is mandatory by law and only covers damages or injuries caused to other people, vehicles, or property in an accident involving your two-wheeler.

Comprehensive Bike Insurance

A comprehensive bike insurance policy provides complete protection by covering both third-party liabilities and damage to your own two-wheeler resulting from accidents, theft, fire, or natural disasters.

Own Damage Bike Insurance

An own damage bike insurance policy covers only your two-wheeler against own damage or loss from accidents, theft, fire, and natural calamities, and it does not include third-party coverage.

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	×	✔	✔

Know more about the difference between comprehensive and third party two wheeler insurance

Difference Between Comprehensive and Third-party Insurance for Bike

Basis	Comprehensive Bike Insurance	Third-Party Bike Insurance
Meaning	Comprehensive bike insurance policy is a combination of Third-party liability insurance and own-damage cover.	Third party bike insurance is a basic bike insurance plan that only covers damages and losses your bike could cause to any third-party person, vehicle or property.
Protection	Your bike will be covered against theft, loss, and damage caused in any accidents. It offers monetary support against all kinds of damage caused to your bike as well as to another individual, vehicle or property.	A third-party liability bike insurance will protect you only against damage/loss towards the third-party.
Add-ons	With this policy you can opt for beneficial Add-ons.	This policy provides only Personal Accident Cover.
Suitable for	Recommended if you need complete coverage for your bike along with add-ons.	Recommended in case you rarely ride your bike or it’s too old already.
Coverage Type	This policy offers extensive coverage.	This policy offers limited coverage.
Premium	The premium of a comprehensive bike insurance policy is higher than that of third-party insurance.	Third-party bike insurance policy is less expensive.

Why Choose Comprehensive Bike Insurance by Digit?

Your comprehensive bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement

Cashless Repairs

9000+ Cashless Network Garages for you to choose from across India

Smartphone-Enabled Self Inspection

Quick and paperless claims through Smartphone enabled processes that make you go "That's it?"

Super-Fast Claims

We’ve settled 96% of all two-wheeler claims! Experience claims that make you go “that’s it?”

Customize Your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 call facility even on National Holidays

Complimentary Wellness Benefits

Get exclusive wellness benefits on the Digit App offered by top-rated health and wellness partners.

Key Features of Digit's Comprehensive Two-Wheeler Insurance

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 Comprehensive Bike Insurance by Digit?

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.

What’s not Covered in Comprehensive Bike Insurance by Digit?

What is not covered differs from one insurance company to another but to list some, we give you some conditions under which the damage to your bike will not be covered in your comprehensive insurance policy by Digit:

Add-On Covers with Comprehensive Bike Insurance by Digit

Two-wheeler insurance add-ons which you can buy with your comprehensive two-wheeler insurance policy

Who Should Buy Comprehensive Insurance for Bike?

Luxury Bike Owners

New Bike Owner

Daily Commuter

Possessive Bike Owner

Inexperienced Bike Owner

Raj & Preeti, 40 & 36 Year Old Couple

Raj recently bought a premium touring bike for weekend getaways with his wife, Preeti. Since the bike is a luxury model with a high market value, they opted for comprehensive insurance to protect it from theft, accidents, and natural disasters. Add-ons like zero depreciation and roadside assistance give them peace of mind during long rides.

Ananya, 28 Year Old Female

Ananya just bought her first two-wheeler to commute to work in a busy metro city. Being new to riding and navigating through heavy traffic, she chose comprehensive bike insurance to cover third-party liabilities and any damage to her vehicle. She also added a personal accident cover for extra safety.

Arjun, 24 Year Old Male

Arjun uses his bike daily to travel across the city for work and errands. Given his frequent usage and exposure to road risks, he chose comprehensive insurance to ensure he's covered for any mishaps, including minor damages and accidents.

Mehul, 30 Year Old Male

Mehul is extremely passionate about his bike and maintains it like a prized possession. Even a small scratch bothers him. To protect his beloved two-wheeler from all kinds of damage, he opted for comprehensive insurance with consumable cover add-ons.

Riya, 18 Year Old Female

Riya rides her two-wheeler to college every day through crowded city roads. Since she's still gaining confidence as a rider and often travels on risky routes, her parents ensured she had comprehensive insurance to cover any unexpected incidents.

How to Renew Comprehensive Two-Wheeler Insurance with Digit?

Enter Bike Details

On the Digit App or website, enter bike’s registration number and select the policy status.

Choose the Plan

Select the comprehensive bike insurance plan and choose desired add-ons.

Enter Personal & Nominee Details

Enter your personal, nominee and vehicle details, and start the payment.

Complete Payment & KYC

Complete the payment and mandatory KYC verification process. Once completed, the policy will be issued and available in Digit App.

How is Comprehensive Bike Insurance Premium Calculated?

You can use our Bike Insurance Premium Calculator to easily calculate the estimate premium of comprehensive bike insurance, which is calculated based on:

IDV: A higher IDV means more payout, so it leads to a higher premium.
NCB: No Claim Bonus in bike insurance is when you have a good driving history with no claims in the previous year, you get a discount on the base premium.
Add-on Covers: The add-ons you choose also determine your bike insurance premium.
Modifications: Any modifications made to the two-wheeler can increase the premium as well.
RTO Location: If you drive in high-traffic areas or locations with a higher accident rate, your premium increases.

Factors Determining Comprehensive Bike Insurance Premium

The premium of comprehensive insurance for bikes depends on various factors, which include:

How to Reduce Your Comprehensive Bike Insurance Premium?

Choose Your Insurance Coverage Wisely: Get comprehensive insurance for two-wheelers only if it feels necessary or if you want enhanced protection for your luxury bike, as it comes with an increased premium. However, if you only want to comply with the laws and want a more affordable insurance policy, consider third-party insurance.
Maintain a Good Driving Record: A clean driving record with no claims in the previous year can get you a discount on the next premium as No Claim Bonus (NCB). You could also consider increasing your voluntary deductible, which will help in decreasing your bike insurance premium.
Buy Only Relevant Add-Ons: Add-ons provide an extra layer of protection to your bike, but they also increase your bike insurance premium. Therefore, only opt for bike insurance add-on covers that you truly need.
Set Realistic IDV: Never overestimate your bike's IDV, and aim for an IDV that truly aligns with your bike's current market value. This is because a higher IDV means a higher premium for you.
Talk to Your Insurer: Depending on your insurance company and your risk profile, you can always talk it out with them and ask for some negotiation on the premium!

Importance of IDV When Choosing a Comprehensive Bike Insurance Policy

IDV is Insured Declared Value, it is the maximum amount your insurer will give you, in case your bike is stolen or damaged beyond repair. We know low premiums are luring but it will not give you maximum financial benefit. Always check the IDV you are being offered and not just the premium. We suggest you choose higher IDV, you know why? In the case of the total loss of your bike, a higher IDV leads to higher reimbursements. We let you customise your IDV as per your choice because we want you to make the right decision without any compromise.

FAQs about Comprehensive Two-Wheeler Insurance

All

What is comprehensive in bike insurance?

Comprehensive in bike insurance is a type of bike insurance plan that offers comprehensive coverage - including third-party liabilities and own damages.

What is the difference between a comprehensive two-wheeler insurance and zero-depreciation insurance?

A comprehensive two-wheeler insurance is a type of bike insurance plan, while the zero depreciation in bike insurance is an add-on you available along with the comprehensive two-wheeler insurance policy.

Is comprehensive insurance enough for a two-wheeler?

Yes, a comprehensive bike insurance plan is enough as it offers wide coverage, including own damage and third-party liabilities along with an option to buy add-ons.

How is a comprehensive two wheeler insurance different from the zero-depreciation two wheeler insurance?

They're two completely different things! A comprehensive two wheeler insurance is a type of bike insurance policy, while the zero depreciation is an add-on you can opt for in your comprehensive two wheeler insurance policy.

Know more about Zero Depreciation Bike Insurance.

Is it a good idea to buy comprehensive bike insurance for an old bike?

This depends on how old your bike is, and how often you use it and how much longer you plan to use it. If your bike is still under 10 years old and you do use it on a regular basis, getting a comprehensive bike insurance won’t even cost you much, and will ensure you don’t need to spend on it in the case of any unfortunate situations.

When to purchase a comprehensive bike insurance policy?

The ideal time to purchase a comprehensive bike insurance policy is when you’ve just got your bike. However, it’s never too late! If you currently only have a third-party policy you can upgrade with an Own Damage cover or, if your policy is due for renewal soon – just renew with a comprehensive bike insurance policy this time 😊

Which is better - comprehensive or third-party bike insurance?

It depends on your requirements. However, if you own a new bike that you’ll be driving daily or a luxurious one, a comprehensive bike insurance plan is the best as it covers third-party liability and own damage coverage. You can also buy add-on covers with it.

Which is cheaper - comprehensive or third-party policy?

Third-party insurance is cheaper than comprehensive insurance for two-wheelers as a comprehensive plan offers wide covers and includes third-party liabilities as well.

Is getting comprehensive insurance mandatory for bikes?

No, it is not mandatory by law. However, if you want protection, you can go for a comprehensive bike insurance policy.

Is comprehensive bike insurance policy mandatory for 5 years?

No, a comprehensive two-wheeler insurance policy is generally valid for one year; however, you can also opt for the multi-year policy.

What is the validity of the Comprehensive Bike Insurance Policy?

Usually, the validity of comprehensive bike insurance cover is one year. However, if you opt for the multi-year policy, the validity will vary depending on the number of years you have opted for.

Should I buy comprehensive bike insurance for old two-wheelers?

Yes, go for comprehensive bike insurance if you drive your vehicle daily or in accident-prone areas as it offers better coverage than the third-party policy.

When to buy a comprehensive bike insurance policy?

Buy a comprehensive bike Insurance Policy when buying a new two-wheeler or while renewing insurance for your old bike, as it protects it against a wide range of damage and losses.

I have done bike modification. Will it affect my comprehensive bike insurance policy premium?

Yes, bike modifications whether done to enhance its performance or aesthetic, significantly impact the bike insurance premium depending on the changes. Check with your insurer regarding the same.

What happens if I don't buy a comprehensive bike insurance policy?

If you do not buy a comprehensive bike insurance policy, you will have to bear the cost of any damage or loss to your bike, given you at least have a third-party policy.

What are deductibles in comprehensive bike insurance?

Deductibles are the amount for damage repair that you need to pay from your pocket. The rest of the bill will be taken care of by Digit.

Written By:

Manasvi Gupta

Reviewed By:

Mayur Kacholiya