Bike Insurance Calculator
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A bike insurance calculator is an online tool to help you generate the right bike insurance premium for your two-wheeler. To get your final bike insurance premium, all you have to do is enter your bike's make and model, registration date, the city you ride in and of course, the type of bike insurance plan you want to go for and the bike insurance calculator will help generate the right quote for you. You can further customize this by opting for additional covers and adding your accumulated No Claim Bonus.
Here’s a step by step explanation on how to use our premium calculator and get the right bike insurance for your bike!
Enter your Bike’s Make, Model, Variant, Registration Date & the City you ride your bike in.
Press ‘Get Quote’ and choose the plan of your choice.
You can choose between a Third-Party Bike Policy or a Standard/Comprehensive Bike Policy.
Tell us about your last Bike Insurance Policy- Date of Expiry, Claim History, NCB, etc.
You will now see your policy premium on the bottom right of the page.
If you’ve chosen a Standard Plan, you can set your IDV and customize your plan further by selecting add-ons like Zero Depreciation, Return to Invoice, Engine & Gear Protection, etc.
You will now see your final premium calculated on the right side of the page.
When it comes to buying a bike insurance, most of us want to get it done as quickly as possible. So should you quickly pick the cheapest bike insurance out there or take some time and pick something suitable for your bike? The later would be a better bet and here’s why and how using a bike insurance premium calculator will help you do so:
At the end of it all, it is your dear bike and the least you can do for it is make an informed decision to protect it from all risks. A bike insurance premium calculator is transparent in its calculations and clearly lets you see for yourself how your new bike insurance premium is determined.
On the other hand, if you have an old bike, your bike insurance premium will be a lot letter. This is not only because your bike may be a old and a bit worn out but, because the scope of add-ons available too would be less. For instance, if your bike is more than 5 years old, your bike won't be eligible for covers like the return to invoice or zero depreciation cover for your bike.
Read more about the Important Components of a Comprehensive Bike Insurance Premium.
The Third-Party Bike Insurance is the minimum kind of bike insurance you’ll need as per the Motor Vehicles Act. It covers for only damages and losses against third parties, such as if your bike hits a person, damages a property or another vehicle.
Two Wheelers with engine capacity |
Premium rate |
Not exceeding 75cc |
₹482 |
Exceeding 75cc but not exceeding 150cc |
₹752 |
Exceeding 150cc but not exceeding 350cc |
₹1,193 |
Exceeding 350cc |
₹2,323 |
Here are some tips and tricks to help reduce your bike insurance premium.
Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
Key Features |
Digit Benefit |
Premium |
Starting from ₹752 |
No Claim Bonus |
Up to 50% Discount |
Customizable Add-Ons |
5 Add-ons available |
Cashless Repairs |
Available at 2900+ 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 |
After you buy or renew our two wheeler insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Just call on 1800-258-5956. No forms to be filled.
Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.
Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.
This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!
Read Digit’s Claims Report Card