Bike insurance starting from Rs.482/year*
  • Save upto 75%*
    Lowest Bike Premiums
  • 11.5 Lakh+
    Happy Customers
  • Claim Support
    7 days a week

*TP price for less than 75cc two wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Digit Two Wheeler Insurance Premium Calculator

Digit Bike Insurance

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Digit Two Wheeler Insurance Premium Calculator

What is a Bike Insurance Premium Calculator?

A bike insurance premium calculator is an online or digital mechanism that provides you with the right premium for Digit bike insurance policy. You just need to fill in some basic details like the make, model, RTO location, registration year of your bike, etc., to get the right premium cost. Entering these details will make the calculator show you the right premium of your bike insurance plan.

How to Use a Two Wheeler Insurance Premium Calculator?

Step 1: Choose the Make, Model, Variant and Fuel Type of your bike.

Step 2: Choose the Registration City and Purchase Year of your bike.

Step 3: Tell us, if you have made any claim request in the previous policy term.

Step 4: Click on the ‘Calculate’ button and get the right IDV and premium for your bike insurance plan.

Benefits of Two Wheeler Insurance Premium Calculator

  1. Correct Insured Declared Value (IDV) – The premium calculator gets you the right IDV based on the make, model and age of your bike. The correct value of IDV helps you get the market price of your bike which you should get as the claim amount in case of your bike’s theft or total loss.
  2. Accurate Premium Amount – The real purpose of this calculator is to get the actual premium amount for the bike insurance plans of different insurers. With the information of the right premium, you can select the best-priced insurance plan for your bike after comparing different plans.
  3. Improves Decision Making – The premium calculator assists you make right decisions for bike insurance policy purchase after comparing different types of insurance providers based on the IDV and premium cost.
  4. Helps Find A Economical Policy – The premium costs of multiple bike insurance policies computed with this calculator can make you find the plans at the most reasonable rates as it allows you to compare the policy quotes of different insurance providers.

Third Party Two Wheeler Insurance Premium Rates

Engine Capacity

Premium To Buy A New Policy (5-Year Plan)

Premium To Renew Existing Policy (1-Year Plan)

Not exceeding 75 cc

Rs. 1,045

Rs. 482

Exceeding 75 cc but not exceeding 150 cc

Rs. 3,285

Rs. 752

Exceeding 150 cc but not exceeding 350 cc

Rs. 5,453

Rs. 1,193

Exceeding 350 cc

Rs. 13,034

Rs. 2,323

(Source: Insurance Regulatory and Development Authority of India (IRDAI))

Premium for Comprehensive and Standalone Own-Damage Bike Insurance Plan

The bike insurance premium amount for standalone own-damage and comprehensive insurance plans is based on different factors, which include make, model, variant, fuel type, engine capacity, registration year and so on. You can get the premium of your bike instantly with our premium calculator. Go through the factors given below to have a better understanding while computing your premium:

Factors Which Determine Two Wheeler Insurance Premium

  1. Insured Declared Value (IDV) - The IDV refers to the current market value of the bike, which the insurance providers are entitled to offer its policyholders as compensation in the case of theft or total loss. The more the IDV will be, the higher the coverage will be, which will ultimately increase the premium amount.
  2. Anti-Theft Devices - Bikes that have anti-theft devices installed in them are charged with a low amount of premium as they have less chances of being stolen, which reduces the coverage risk on the insurance providers.
  3. No Claim Bonus (NCB) - For every claim free year, the insurance company offers a reward in terms of discount to its policyholders starting from 20% off for the first claim-free year and reaches to 50%. It means that the higher NCB will lessen the bike insurance premiums.
  4. Engine Cubic Capacity - The high cubic capacity of a bike increases its power due to which it can run faster that enhances the risk. Therefore, the insurance companies charge a higher premium from the bikes with high cubic capacity like sports bikes, etc.
  5. Age of the Bike - The year of registration of a bike also impacts its premium amount. The default depreciation will lessen the value of an old bike, which will reduce the compensation amount to be offered by the insurance company. It means old bikes are charged with a lower premium cost than the new bikes.

Rating of Digit
5.0
Based on
169 User reviews

What is your bike's brand?

When did you buy your bike?
20042019
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Digit Bike Insurance User Reviews

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What users are saying
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    I wanted to calculate the premiums of the Digit policy for my TVS Scooty Streak. I was happy with the genuine ...

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    On: October 30, 2020
  • Dedicated support team

    The support team of InsuranceDekho is dedicated and knowledgeable. I called them up to know more about the com...

    Read More
    S
    By Soumabha Dasgupta
    On: October 29, 2020
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    I wanted to calculate the premiums of the Digit policy before buying it for my Royal Enfield Bullet 500. Insur...

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    On: October 28, 2020
  • Quick policy issuance

    I recently purchased the Digit policy for my Bajaj CT 100 with the help of InsuranceDekho. The procedure was v...

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    On: October 27, 2020
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    By Akash Malhotra
    On: October 23, 2020
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    On: October 22, 2020
  • Zero paperwork required

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    By Sayantani Saha
    On: October 21, 2020
  • Convenient payment options

    Making payment for the Digit bike insurance policy, I got for my new KTM RC 200 was really convenient. All tha...

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    By Ashish Nayek
    On: October 20, 2020
  • Seamless comparison

    Comparing plans on InsuranceDekho is a cakewalk. I got the quotes, studied the policies and chose Digit insura...

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    By Abhraneel Chanda
    On: October 19, 2020
  • Buying policy made easy

    I could not choose a convenient plan for the MV Agusta F4. But after checking InsuranceDekho, I was sure which...

    Read More
    P
    By Pranay Mondal
    On: October 16, 2020
  • Reliable policy overviews

    I wanted to calculate the premiums of the Digit policy for my TVS Scooty Streak. I was happy with the genuine ...

    Read More
    N
    By Nilanjan Bhattacharya
    On: October 30, 2020
  • Dedicated support team

    The support team of InsuranceDekho is dedicated and knowledgeable. I called them up to know more about the com...

    Read More
    S
    By Soumabha Dasgupta
    On: October 29, 2020
  • Helpful online calculator

    I wanted to calculate the premiums of the Digit policy before buying it for my Royal Enfield Bullet 500. Insur...

    Read More
    A
    By Abeer Das
    On: October 28, 2020
  • Quick policy issuance

    I recently purchased the Digit policy for my Bajaj CT 100 with the help of InsuranceDekho. The procedure was v...

    Read More
    S
    By Sandipan Malakar
    On: October 27, 2020
  • Comparison made easy

    On the InsuranceDekho platform, I could compare quotes according to my budget. I have Yamaha Saluto RX. Before...

    Read More
    A
    By Akash Malhotra
    On: October 23, 2020
  • Hassle-free policy issuance

    It didn’t take me much effort to get my TVS Wego insured on InsuranceDekho. All it required was a few details ...

    Read More
    V
    By Varun Dikshit
    On: October 22, 2020
  • Zero paperwork required

    I recently got my Vespa LX 125 insured from InsuranceDekho. I was surprised while purchasing the policy. It re...

    Read More
    S
    By Sayantani Saha
    On: October 21, 2020
  • Convenient payment options

    Making payment for the Digit bike insurance policy, I got for my new KTM RC 200 was really convenient. All tha...

    Read More
    A
    By Ashish Nayek
    On: October 20, 2020
  • Seamless comparison

    Comparing plans on InsuranceDekho is a cakewalk. I got the quotes, studied the policies and chose Digit insura...

    Read More
    A
    By Abhraneel Chanda
    On: October 19, 2020
  • Buying policy made easy

    I could not choose a convenient plan for the MV Agusta F4. But after checking InsuranceDekho, I was sure which...

    Read More
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    By Pranay Mondal
    On: October 16, 2020

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.