9000+ Cashless Garages
96% Claims Settled (FY 24-25)

9000+ Cashless Garages
96% Claims Settled (FY 24-25)
It is equally important to know what’s not covered in your two-wheeler insurance policy, so that there are no surprises when you make a claim. Here are some such situations:
Third Party
Comprehensive
Own Damage
Damages/Losses to own two-wheeler due to an accident |
×
|
✔
|
✔
|
Damages/Losses to own two-wheeler in case of fire |
×
|
✔
|
✔
|
Damages/Losses to own two-wheeler in case of a natural calamity |
×
|
✔
|
✔
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
Personal Accident Cover |
✔
|
✔
|
×
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
Theft of your scooter or bike |
×
|
✔
|
✔
|
Customize your IDV |
×
|
✔
|
✔
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party two wheeler insurance
Following are the car insurance add-ons available for Hero Electric bike insurance:
On the Digit App or website, enter bike’s registration number, select the policy status and click on ‘View Prices’.
Select the plan, add-ons and click on ‘Continue.’
Enter your personal, nominee and vehicle details and click on ‘Pay Now.’
Complete the payment and mandatory KYC verification process.
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
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
Hero Electric, a flagship company of Hero Eco Group, has been developing innovative products for the domestic electric vehicle industry. The company has marked its presence in tier 2 and tier 3 cities, including rural areas. Hero Electric sells 6 bike models, including-
These models are powered with BLDC, air-cooled motors generating power ranging between 250W to 1500W. Hero Eco installed telescopic forks at the front and twin shock at the rear for suspension setup. In addition, drum brakes are equipped at both ends coupled with Combined Braking System to ensure optimal braking efficiency.
Apart from these, the company is planning to launch 3 more models-
However, as the electric vehicle is still a new approach in India, replacement components are hard to find and thus expensive. In this regard, it is wise to opt for insurance for Hero electric two-wheeler to steer clear of repair/replacement commitments.
Besides providing financial aid for repair/replacement, a two-wheeler insurance plan offers several other benefits. They are-
When comparing different policies online, apart from Hero electric two-wheeler insurance price, you must consider several other factors before making an informed decision.
Digit, in this regard, is an ideal choice as it extends several other benefits at cost-effective rates.
Vast Policy Options - Digit crafts its policy plans based on the diverse requirements of its customers. Here are the options available for you.
Third-Party Policy - This is the most basic plan Digit provides. It is compulsory as per the Motor Vehicles law and offers financial coverage for third-party losses. In simple words, if your Hero electric bike inflicts damage to another vehicle, person or property, Digit will pay on your behalf against your policy. In fact, the insurer will handle the litigation issues, if any.
Comprehensive Policy - This covers both third-party and Own damage protection. That means if your bike undergoes damage due to an accident, flood, fire, theft, earthquake etc., Digit will reimburse for the loss.
Note: Third-party policy does not provide Own Damage Protection. Therefore, opt for a standalone Own Damage cover to elevate your policy.
Buy or Renew Policies Online - With Digit, you no longer have to go through tedious processes and lengthy paperwork to buy an insurance plan. Instead, you just have to visit the official website and opt for Hero electric two-wheeler insurance online. Similarly, log in to your accounts and follow the instructions given for renewal.
High Claim Settlement Ratio - Digit has a record of settling the majority number of claims raised by its customers. One of the probable reasons is the 3-step claim filing process that fastens the entire procedure.
IDV Alteration - Based on the Insured Declared Value of your motorcycle, Digit will offer compensation in case your bike is stolen or damaged beyond repair. So, if you opt for higher IDV against additional charges, you can confirm higher compensation.
Policy Elevation with Add-ons - Digit facilitates its customers to upgrade their base policies by including the following add-ons at their convenience.
Note: Continuing these benefits attract additional Hero electric two-wheeler insurance renewal price.
Nationwide Digit Network Bike Garages - Digit has collaborated with over 2900 garages across the nation to ensure a seamless customer experience. All these network garages accept cashless claims against your valid insurance policy.
24X7 Customer Assistance - Regardless of time and day, you can connect with the Digit customer support team to resolve any queries related to Hero electric two-wheeler insurance renewal or any other concern.
Furthermore, you can bring down your Hero electric two-wheeler insurance policy premiums by selecting higher deductibles and avoiding small claims. However, it is essential to know that lower premiums do not guarantee complete protection. Thus, contact your insurer for some insights on the matter to make a choice.
Yes, there are a few methods which you can employ to reduce the premium amount for your two-wheeler insurance policy. Be it Hero Electric bike insurance renewal online or its purchase, you must check these tips discussed below to ensure that you are not paying more than what is necessary for your insurance policy:
Now, with a thorough knowledge of policies and premium reduction, you should make haste in selecting the right policy for your Hero Electric two-wheeler. A few additional facts are also discussed below to help you with certain queries which might come up.