Digit Two-Wheeler Insurance

Digit's two-wheeler insurance/bike insurance is a policy which will help you cover all damages that could happen to you and your vehicle in cases of thefts, accidents, natural disasters, or fires. With the insurance policy, get protection against liabilities that arise due to damages to any third-party property, vehicle, or person. Please note that the two-wheeler insurance covers various kinds of two-wheelers: mopeds, motorcycles, and scooters. There are two kinds of insurance policies:  

Third Party 

A third-party bike insurance is a common two-wheeler insurance. Here the damages and losses caused to a third-party person, property, or vehicle are covered. 

Comprehensive 

A comprehensive bike insurance covers third-party liabilities and also damages to your bike. 

Third Party  Comprehensive 
Damages/Losses to own two-wheeler due to an accident  No  Yes 
Damages/Losses to own two-wheeler in case of fire  No  Yes 
Damages/Losses to own two-wheeler in case of a natural calamity  No  Yes 
Damages to Third-Party Vehicle  Yes  Yes 
Damages to Third-Party Property  Yes  Yes 
Personal Accident Cover  Yes  Yes 
Injuries/Death of a Third-Party Person  Yes  Yes 
Theft of your scooter or bike  No  Yes 
Customize your IDV  No  Yes 
Extra protection with customized add-ons  No  Yes 

Key Features of Two Wheeler Insurance by Digit 

Key Features  Benefit of Digit Insurance  
Customizable Add-Ons  5 Add-ons available 
Claim Process  Smartphone-enabled Claim process. Can be done online within 7 minutes! 
Premium  Starting from Rs.752 
Cashless Repairs  Available at 2200+ Garages 
Claim Settlement Ratio  97% Claim settlement ratio  
Own Damage Cover  Available 
Damages to Third-Party  Unlimited Liability for Personal Damages, up to 7.5 Lakhs for Property/Vehicle Damages  
No Claim Bonus  Up to 50% Discount 

Digit Two Wheeler Insurance Coverage  

  • Theft 
  • Fire 
  • Accidents 
  • Personal Accident 
  • Natural Disasters 
  • Third Party Losses 

Summary of Digit Two-Wheeler Insurance Cover 

Covered  Not Covered 
Zero Depreciation Cover  The required depreciation amount is taken when you register a claim. A zero-depreciation cover makes sure that no depreciation is taken into account. You get the full value of the cost of your damages.   Own Damages for Third-Party Policy holder  If there is a third-party or liability only bike policy, the damages to own vehicle will not be covered. 
Return to Invoice Cover  If your bike is stolen or you have damages beyond repair, this feature will help you. With return to invoice, Digit covers the costs including the road tax and also the registration fees.   Drunk Riding or without a Licence and Add-ons not Bought  Your bike insurance claim will not be accepted if you were intoxicated while driving.  
Engine and Gear-box Protection Cover  In a two-wheeler insurance policy, only damages that are caused during the accident will be covered. This feature covers the engine and gearbox for consequential damages caused after the accident. This can happen because of leakage of lubricating oil, water regression, and undercarriage damages.  Driving without a valid Driving Licence holder  If you have a learner’s licence and drive the two-wheeler without a valid licence-holder (pillion seat), your claim will not be covered.  In a few cases, the add-ons are covered, but you have to let the insurance company know before you renew the policy. If you have not bought those add-ons, the corresponding situations will not be covered. 
Consumable Cover  The consumable cover feature covers the costs of screws, engine oils, bolts, nut, and grease.   Consequential Damages and Contributory Negligence  All damages that are not a direct result of the accident. For example, after an accident, if the two-wheeler was used incorrectly and the engine is damaged.   A contributory negligence includes damage like driving a two-wheeler in a flood.  

Benefits of Digit Two-Wheeler Insurance 

    Smartphone-enabled self-Inspection: You can make fast and paperless claims through the Smartphone-enabled self-inspection process 

    Cashless Repairs: 

    You have 2200+ Cashless Network Garages to choose from. 

     

    Super-fast Claims:

     The average turnaround time for two-wheeler claim is just 11 days.

    24*7 Support: 

    There is a 24*7 call facility including on national holidays.

      

    Customise your Vehicle IDV: 

    You can customise your vehicle IDV with Digit.

      

How to file a Two-Wheeler Insurance Claim? 

    Step 1: You have to call on 1800-258-5956 and you do not have to fill any forms.

     

    Step 2: You will get a link for self-inspection on the mobile number you registered with Digit. Type in the damages and follow the step-by-step process.

     

    Step 3: You can choose your mode of repair (Reimbursement/Cashless).

     

FAQs on Digit Two Wheeler Insurance

  1. Can I get add-ons with my policy? 
  2. Yes, Digit offer a 24*7 engine and gearbox protection, breakdown assistance, and tyre protection.  

  3. Is it mandatory for me to get a two-wheeler insurance? 
  4. Yes, the Motor Vehicles Act 1988 states that having a two-wheeler insurance is mandatory to cover for third-party liabilities and losses.  

  5. In which situations is the inspection of my two-wheeler mandatory? 
  6. The inspection of your vehicle will be required only when you are buying a comprehensive/standard two-wheeler insurance policy for the first time. It will also be required if you are renewing the policy.  

  7. Who is defined as a the third-party in an accident? 
  8. A third-party can refer to the third-party person, property or vehicle. It does not include you and your vehicle. A passenger on your back seat will be a third-party as well.  

  9. Is the pillion rider a third party? 
  10. Yes, the pillion rider, or a passenger is considered as a third-party.  

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