Bike Insurance Renewal Online

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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.
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Renew Bike Insurance Policy Instantly Online and Get Up to 80% Discount

There are many modes of transportation, but yet two wheelers are considered the most convenient options, especially in traffic. Before riding, every bike rider should ideally be aware of all traffic rules, check the speed limit, wear a helmet and get the required two-wheeler insurance for his/her vehicle.

Doing two-wheeler insurance renewal on time is extremely crucial to keep your bike protected. By renewing online, you can quickly compare different plans, pick the best coverage, and avoid any gaps in your policy. Here's everything you need to know about bike insurance renewal online.

Why Should You Do Bike Insurance Renewal?

A bike insurance policy may offer protection against damage, theft, riots and strikes, terrorism, and other natural calamities. Continuing the insurance cover of your bike beyond the date of expiry of the policy is defined as Bike Insurance Renewal. The date of expiry indicates the moment from which the current insurance policy will cease to operate. The renewal of the bike insurance can either be on the same terms and conditions, or you can enhance the policy with some add-ons.

Whether you're buying a new policy or renewing the old one, bike insurance is mandatory in India. Also, doing policy renewal for a bike without any breaks will fetch No-Claim Bonus to the policyholder; however, it applies only when there are no claims reported in the previous policy.

Why Should You Renew Bike Insurance Policy on Time?

You should get your two-wheeler insurance renewal done on time for several reasons such as:

Mandatory by Law

Mandatory by Law

Having at least an active and valid third-party bike insurance policy is mandatory by law, as riding without valid insurance can result in hefty penalty.

Continuous Coverage

Timely renewal of bike insurance policy ensures that your two-wheeler remains protected against accidents, theft, and other unforeseen events at all times.

Financial Security

Having active bike insurance helps cover repair costs and medical expenses, reducing your financial burden in case of an accident.

Avoiding Higher Premiums

A policy lapse can lead to higher premiums when you renew, as insurers may view you as a higher risk.

No Claim Bonus (NCB)

Renewing on time also helps you retain your NCB, which can significantly reduce your premium costs.

Why Doing Bike Insurance Renewal Online is a Better Idea?

Renewing bike insurance online makes it even more hassle-free and quick. Here's why:

Saves Time

Saves Time

Online is an easy option to browse and compare. It is convenient and easy to choose from. In other words, you are saving time.

Lower Premiums

Lower Premiums

Choosing an insurance policy online will be a low-cost affair. It is because the insurers save money spent on the distribution channel and other heads.

Hassle-Free Service

Hassle-Free Service

Online mode is free from agents or brokers. You have direct contact with the insurers. Hence, you get zero hassle and absolute transparency when buying online policies.

Things to Consider Before Renewing a Bike Insurance Policy

Making considerations before renewing a bike insurance policy is no different than thinking twice before buying anything, especially when it is for long-term use. Similarly, here are a few things you need to consider before renewing your bike insurance policy:

  • Scope of Cover Under the Existing Policy: Does the existing insurance cover provide you the widest cover possible? Think and know more about it from your insurance company.
  • Which Insurer is the Best: A lot before the date of the renewal, the bike owner should identify all the insurers that exist in the market. Explore the quality of services both at the time of purchase and at the time of claim. Remember, it is to be done before the policy expires, not after.
  • Which Insurance Cover is the Best: Out of the two types of motor policies - Comprehensive bike insurance or Third-Party Liability. You should know which one will serve your purpose. After that, compare the premium rates, deductibles, and other similar factors. Also, look for which insurer cost-effectively offers the add-on coverages.
  • Any Add-On Cover: Know well in advance whether you want to enhance the cover with some add-ons or not? You can go with a personal accident cover, engine and gearbox protection, return to invoice cover, and others.

Options Available for Two-Wheeler Insurance Renewal

Stick with Same Insurer

Switch to New Insurer

If you are happy with the current policy for your bike, then you should choose to opt in with the same insurer. Mind, the renewal should be done well in time to avoid losing the No-Claim Bonus. Deposit the premium well before the expiry. It is because the policy will be effective only when the payment is realized by the insurer.
If you are unhappy with the existing insurer due to poor service, then you can change your insurer. The new insurer will inspect the bike before insuring it.

Why Choose Digit for Bike Insurance Renewal?

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

Cashless Repairs

Cashless Repairs

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

Smartphone-Enabled Self Inspection

Smartphone-Enabled Self Inspection

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

Super-fast Claims

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

Customize Your Vehicle IDV

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

24*7 Support

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 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 are the Types of Two-Wheeler Insurance Policies?

TP bike insurance coverage

Third-Party

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 coverage

Comprehensive

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.
Od coverage icons

Own Damage

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

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

How to Renew Two-Wheeler Insurance with Digit?

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Enter Bike Details

On the Digit App or website, enter your bike’s registration number and click on view prices.

Choose a Plan

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

Enter Personal 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.

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Login

On the Digit App or website, login and go to the ‘My Policy’ section.

Select Policy

Select the policy pending for renewal and click on ‘Renew Policy.’

Choose a Plan

Select the desired add-ons 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.

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Manasvi Gupta

Written By:

Manasvi Gupta

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Manasvi Gupta

Manasvi Gupta

Content Writer

Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.

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Reviewed By:

Mayur Kacholiya

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Mayur Kacholiya

Product Head - Motor

Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.