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Content Writer
Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.
Content Writer
Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.
Product Head - Motor
Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.
Product Head - Motor
Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.
We know you love your bike and probably only bought it after quite a lot of thought, research, planning, budgeting, enquiries, and suggestions. You now have the bike of your dreams and want to safeguard both your bike and your pocket.
For that, get comprehensive insurance for bike with Digit and enjoy those thrilling road trips. We’ll guide you through everything you need to know about the right bike insurance and the required add-ons that’ll protect you at their best.
Bike insurance is a contract between you and the insurer, offering financial protection for your bike against accidents, natural disasters, theft, and other unforeseen events. Here’s how it works:
Select the Policy
Select comprehensive two-wheeler insurance policy and desired add-ons that fit your needs and budget.
Buy or Renew Policy
Purchase or renew your bike insurance online instantly with Digit, with minimal paperwork.
Pay Premium
Make regular payments (annually or in installments) based on factors like bike’s age, model, IDV, NCB, and coverage type.
File a Claim
If your bike is stolen or damaged in an accident, you can file a claim with your insurer, who after damage assessment will settle the claim as per the policy terms.
Following are the benefits of getting a comprehensive bike insurance plan:
Comprehensive 2-wheeler insurance policy covers your vehicle against almost all types of damages – whether caused due to road accidents, manmade or natural disasters. It also covers losses due to theft and third-party liabilities.
Losses due to accidents, theft, and unfortunate events can be expensive. A comprehensive bike insurance policy acts as a financial shield, saving you a significant financial burden.
Knowing you're comprehensively covered allows you to ride your two-wheeler with peace of mind as you'll be less worried about the financial burdens due to unforeseen events.
Comprehensive insurance plans allow you to buy additional benefits in the form of add-ons for enhanced protection.
Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
9000+ Cashless Network Garages for you to choose from across India
Quick and paperless claims through Smartphone enabled processes that make you go "That's it?"
We’ve settled 96% of all two-wheeler claims! Experience claims that make you go “that’s it?”
With us, you can customize your vehicle IDV as per your choice!
24*7 call facility even on National Holidays
Get exclusive wellness benefits on the Digit App offered by top-rated health and wellness partners.
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Digit’s comprehensive bike insurance plan covers you and your bike in case of all accidents, as even a minor accident can cause much trouble!
It covers for your losses in case your two-wheeler gets stolen!
Even a small fire can cause damage to your bike or its parts; this is when comprehensive insurance for two-wheelers comes into action and ensures you don’t bear the brunt of it.
Don’t worry if a flood or cyclone damages your two-wheeler! Your bike is fully protected if you have a comprehensive bike insurance policy in place.
Don’t worry if a flood or cyclone damages your two-wheeler! Your bike is fully protected if you have a comprehensive bike insurance policy in place.
This policy has your back in case of third-party liabilities as well, i.e. when a person, a vehicle or a property is hurt or damaged due to your bike.
Two-wheeler insurance add-ons which you can buy with your Two Wheeler insurance policy
The add-on cover of daily conveyance benefit will ensure that you are compensated for your transportation cost during the period when two-wheeler is under repair subject to applicable time excess. A policyholder can be compensated in the form of fixed allowance per day or coupons from taxi operators from an amount equal to per day fixed allowance.
Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered. However, with the engine and gear-box protection add-on cover, you can specifically cover the life of your vehicle for any consequential damages caused post the accident.
The tyre protect add-on cover is offered only to vehicles fitted with run flat technology. As part of it, the cost of replacing damaged tyres with equivalent or near equivalent to the one being used in the vehicle, labour and wheel balancing charges can be reimbursed. However, claims made under the add-on cover is subject to conditions set forth under the vehicle insurance policy.
The add-on of consumable cover adds an additional shield to your two-wheeler. Covers the cost for all your bike’s nitty-gritties such as the engine oils, screws, nuts and bolts, grease, etc. in the event of an accident.
If you fall into a situation where your bike is stolen or damages beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike- including the road tax and registration fees for the same
This EV Shield add-on cover for electric two wheeler in India will protect you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and offer roadside assistance services specific to EVs.
Think of it like an effective anti-ageing cream for your bike and its parts. Usually, the required depreciation amount is always taken in account during claims. However, a zero-depreciation cover ensures no depreciation is taken into consideration, so you get the full value of the cost of repair/replacement during claims.
The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.
What is not covered differs from one insurance company to another but to list some, we give you some conditions under which the damage to your bike will not be covered in your comprehensive insurance policy by Digit:
Damage is done by a person driving under the influence of drugs or alcohol.
Damage is done by a person driving without a valid license or has a learner’s license but no valid license holder on the vehicle.
Consequential damage does not occur as a direct result of the accident. Unless covered for in an add-on, such damages can’t be covered.
Any contributory negligence, like damage due to driving the bike in a flood can pose a risk, which is not recommended as per the manufacturer’s driving manual, will not be covered!
Some situations are covered in add-ons bought along with the policy. In case the add-ons are not bought, the corresponding situations will not be covered.
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Damages/Losses to own two-wheeler due to an accident Covers for damage to your own two-wheeler in case of an accident or collision. |
×
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Damages/Losses to own two-wheeler in case of fire Covers for damages and losses to your own two-wheeler caused due to a fire. |
×
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Damages/Losses to own two-wheeler in case of a natural calamity Covers for damages and losses to your own two-wheeler caused due to a natural calamity such as floods, earthquakes, cyclone, etc. |
×
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Damages to Third-Party Vehicle Covers for damage caused by your two-wheeler to any third-party vehicle, to up to 7.5 lakhs. |
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Damages to Third-Party Property Covers for damages and losses caused by your two-wheeler to any third-party property, to up to 7.5 lakhs. |
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Personal Accident Cover Covers for owner-rider's bodily injuries or death. (Mandatory by law, one can opt in for the same if they don’t have one already). |
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×
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Injuries/Death of a Third-Party Person Covers for bodily injuries or death caused by your two-wheeler to any third-party person, up to unlimited liability. |
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×
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Theft of your scooter or bike Covers for losses if your two-wheeler is unfortunately stolen. |
×
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Customize your IDV Customize the IDV of your two-wheeler as per your choice and consequently adjust your two-wheeler insurance premium accordingly. |
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Extra protection with customized add-ons |
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Raj & Preeti, 40 & 36 Year Old Couple
Ananya, 28 Year Old Female
Arjun, 24 Year Old Male
Mehul, 30 Year Old Male
Riya, 18 Year Old Female
Enter Bike Details
On the Digit App or website, enter bike’s registration number and select the policy status.
Choose the Plan
Select the comprehensive bike insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
While buying a new comprehensive two-wheeler insurance online from Digit, you don’t need a load of documents or paperwork; just keep the following documents handy:
Registration Certificate
Previous Year Insurance Policy
A Previous Year Insurance Policy refers to the two-wheeler insurance coverage you had for the previous policy term, typically valid for one year. It includes details like:
Documents for KYC Verification
After purchasing a two-wheeler insurance policy, it is essential to download and keep a copy for future reference. With us, you do not need to carry hard copies of your insurance policy. You can simply download it from our app. 🙂 Follow these simple steps to download your policy document from the Digit website or app:
Login Your Account
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
Login
Open the Digit App and go to the "File Motor Claim" option. Login and you'll be directed to the "File Motor Claim" page. Click on the policy card to start claim filing.
Provide Details
Fill in all the details related to the accident and damage to the bike.
Enter Personal Details
Update your personal details and that's it, your claim is successfully filed, and you will receive the next steps on your email & WhatsApp.
You can use our Bike Insurance Premium Calculator to easily calculate the estimate premium of comprehensive bike insurance, which is calculated based on:
The premium of comprehensive insurance for bikes depends on various factors, which include:
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Here are some tips to help you reduce your comprehensive bike insurance premium.
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Two Wheeler Insurance for Popular Models in India
Have queries related to Digit motor insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
Connect with our self-serve chat bot support - 7026061234
Write to us at hello@godigit.com
Contact
Call us on 1800-258-5956
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