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

9000+ Cashless Garages
96% Claims Settled (FY 24-25)
Shimla is the capital and the largest city of the northern Indian state of Himachal Pradesh. It is the state's principal commercial, cultural and educational centre. Known for its scenic beauty, the city receives a massive number of tourists from all over the country.
However, the city's geographical location serves as a bigger disadvantage. It is prone to massive rainfall, earthquakes, flash floods and landslides. The high tourist influx often causes traffic snarls, congestion and accidents. Thefts are also common.
Hence, it becomes essential for a two-wheeler rider in Shimla to protect himself from financial losses caused due to any unforeseen incidents.
If you are in search of a bike insurance provider in Shimla, Digit Insurance is the name you can rely on. You can customise your IDV as per your budget and needs and even get online claim settlement.
Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
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 two wheeler insurance add-ons available in Shimla:
Key Features |
Digit Benefit |
Premium |
Starting from ₹714 |
No Claim Bonus |
Up to 50% Discount |
Customizable Add-Ons |
8 Add-ons available |
Cashless Repairs |
Available at 4400+ Garages |
Claim Process |
Smartphone-enabled Claim process. Can be done online within 7 minutes! |
Own Damage Cover |
Available |
Damages to Third-Party |
Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages |
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
Digit's two-wheeler insurance provides the following benefits:
Here's how Digit's two-wheeler insurance can safeguard you and your bike in Shimla:
Customise Your Policy With Digit's Add-ons: If you want to get additional coverage over and beyond your comprehensive insurance policy cover, you can do so with the add-ons. With add-ons, you get extended coverage and benefits that can help you in various circumstances. The wide range of add-on covers that you can buy includes the following:
You can choose and buy as many add-ons as you want as per your requirement. But note that add-on covers will increase the premium amount of your bike insurance premium.
Opt for any of this insurance policy to cover the expenses due to personal or third-party damages and losses caused due to unfortunate situations.
Personal Accident Cover: You will need to buy the personal accident cover while getting motor insurance as it has been made compulsory by law. With Digit's PA cover, you will get financial assistance to cover expenses due to permanent disabilities, injuries or death due to an unfortunate accident. You can get coverage for medical treatment bills and loss of income that will help to provide the much-needed financial security for your family.