Digit Two-Wheeler Insurance - Complete Details
Digit's two-wheeler insurance/bike insurance is a policy that will help you cover all damages that could happen to you and your vehicle in cases of theft, 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:
Types of Digit Two Wheeler Insurance Policy
Third-Party Digit Two Wheeler Insurance Policy
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 Digit Two Wheeler Insurance Policy
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 |
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 Coverage
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 damage. | 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 customize your vehicle IDV with Digit.
How to File a Two-Wheeler Insurance Claim
Step 1 - You have to call 1800-258-5956 and you do not have to fill out 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).
Articles Related to Two Wheeler Insurance
Benefits of Multi Year Two Wheeler Insurance Policy
FAQs on Digit Two-Wheeler Insurance
- Can I get add-ons with my policy?
Yes, Digit offer a 24*7 engine and gearbox protection, breakdown assistance, and tyre protection.
- Is it mandatory for me to get a two-wheeler insurance?
Yes, the Motor Vehicles Act 1988 states that having a two-wheeler insurance is mandatory to cover for third-party liabilities and losses.
- In which situations is the inspection of my two-wheeler mandatory?
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.
- Who is defined as a the third-party in an accident?
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.
- Is the pillion rider a third party?
Yes, the pillion rider, or a passenger is considered as a third-party.
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