Third Party Bike Insurance

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What is Third Party Bike Insurance?

A Third-Party bike insurance is the most basic type of two-wheeler insurance policy, that helps cover for any damages and losses your bike could cause to a third-party person, property or vehicle, such as in the case of an accident or collision. The same is mandatory by law, without which you could be liable for a fine of Rs 1,000 to Rs 2,000. 

What’s Covered in Third Party Bike Insurance?

Personal Damage to Third Party

Personal Damage to Third Party

If a person is injured in an accident, all his or her medical costs till recovery is taken care of by Third Party bike insurance. In an unfortunate case of loss of life, a compensation amount is given too.

Property Damage Compensation

Property Damage Compensation

In case damage occurs to someone’s vehicle, house or any property, the owner is covered for the loss. There is a limit of ₹7,50,000

Personal Damage to Owner/Driver

Personal Damage to Owner-Driver

If you don’t already have a Personal Accident Cover, this cover can be included in your Third-Party Bike Insurance to protect you from losses that could arise if you face any physical injuries or death/permanent disability.

What’s not Covered in Third Party Bike Insurance?

It is equally important to know what’s not covered in your Third-party bike insurance policy so that there are no surprises when you make a claim. Here are some such situations:

Own Damages

In the case of a Third party bike insurance policy, damages to own vehicle won’t be covered. 

Drunk Riding or without a Licence

Your bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.

Driving without a valid Driving Licence holder

If you hold a learner’s licence and were riding your two-wheeler without a valid licence-holder on the pillion seat- then your claim in those situations won’t be covered.

Add-ons not Bought

Some situations are covered in add-ons. If you haven’t bought those two wheeler add-ons, the corresponding situations will not be covered.

Key Features of Third Party Bike Insurance by Digit

Key Features

Digit Benefit

Premium

Starting from ₹752/-

Buying Process

Smartphone-enabled process. Can be done in 5 minutes!

Personal Damages to Third-Party

Unlimited Liability

Property Damages to Third-Party

Up to 7.5 lakhs

Personal Accident Cover

Up to 15 lakhs

Personal Accident Cover Premium

₹330/-

Third Party Bike Insurance Premium

Unlike a Comprehensive two-wheeler insurance, the bike insurance premium for a third party insurance policy is predefined by the IRDAI. The premium prices for the same are primarily dependent on the cc of your two-wheeler. As per the latest update by the IRDAI, following are the two-wheeler premium charges across various cc ranges. Check the bike insurance premium calculator.

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

How to Claim Third Party Insurance for Bike?

  • The Third-Party has to file an FIR and obtain a charge sheet. Give us a call at 1800-103-4448.
  • If there’s a compensation, we take care of it on your behalf.
  • And if there’s no violation of terms, we will try for a non-monetary settlement on your behalf. If the situation arises, we will represent you in court.
  • Most importantly, if you’ve been a good citizen and have admitted your fault for any kind of negligence, your Digit Third Party cover will still hold good.
  • In case of a personal accident-related claim, all you need to do is call us at 1800-258-5956 and we’ll help you out.

Important Considerations When Making a Third Party Bike Insurance Claim

  • The third-party person filing the FIR for the said claim must ensure he/she has suitable evidence. 
  • It’s important to note that, your insurer and the police need to be contacted as soon as possible. You can’t make the claim days after the incident! 
  • As per the rules and regulations of the IRDAI, it is up to the Motor Accident Claims Tribunal to decide on the claim amount. While there’s no upper limit on personal damages to a third-party, there is a limited liability of up to Rs 7.5 lakhs in case of damages and losses caused to a third-party vehicle or property. 

Report Card

How fast are Digit Insurance Claims Settled?

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

What our customers have to say about us

Vishu Behal

I am very appreciate with go digit insurance Mr Gagandeep Singh (Surveyor Amritsar) who settled my two wheeler bajaj platina claim in same day.Thanks to Go digit insurance and Gagandeep Singh for there services.

Abishek Verma

Super smooth service by digit , I registered clam of my bike and I got my with in 2 days . Mr Nirmal helped me in every way for claim intimation and also the process was very simple 👏👏👏✌️

Ashish Kumar

Digit Insurance is the best Insurance company in India. Love the way of work. Everything is just so simple . I got claim for my Bike . Really happy today. Thank you so much Go Digit and Abhishek Sir from Digit.

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Advantages of a Third Party Bike Insurance

Saves Money

Safeguards you from traffic violation penalties as the new fine chargeable on riding without at least a third-party insurance is at least Rs 2,000, while the subsequent fine for the same is Rs 4,000! 
 

Protects you from Unexpected Losses

Protects you from losses and liabilities that could arise if you hurt a person, property or vehicle while riding your two-wheeler.

Covers for Personal Damages

Protects you in the unfortunate case where you get yourself hurt while riding your two-wheeler
 

24x7 Support

You will receive 24x7 support when you buy a third party bike insurance online so no matter what, your best friend a.k.a bike insurer will always be there for you!

Comply with the law

Allows you to comply with the law, and ride legally on all Indian roads.
 

Peace of Mind

Reduces your mental stress, as you’re assured that in the case of any mishaps you may face, you’ll be covered.  

Disadvantages of a Third Party Bike Insurance

Doesn’t Cover Own Damages:

It doesn’t cover for the losses caused in case you end up accidentally damaging your own two-wheeler! 

Doesn’t Cover for Natural Calamities

It doesn’t cover for you in the case of natural calamities such as floods, fires, cyclones and other nature furies that may cause damages and losses to your two-wheeler.  
 

No Customized Plans

You can’t customize your third party two-wheeler insurance policy with additional features such as add-ons and covers like the zero-depreciation cover, engine and gearbox protection. You can only do when you opt for a comprehensive two-wheeler insurance. 

Types of Bike Insurance Plans in India

Third Party

A Third-party Bike Insurance is one of the most common types of bike insurance;in which only damages & losses caused to a third-party person, vehicle or property are covered.

Comprehensive

A Comprehensive Bike Insurance is one of the most valuable types of bike insurance that covers both third-party liabilities and damages to your own bike as well.

Third Party

Comprehensive

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Know more about the difference between Comprehensive and Third-party bike insurance.

Third Party Bike Insurance for Popular Models in India

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FAQs related to Buying Third Party Insurance for Bike