Third-Party Bike Insurance

Yes, you can. However, it is always advisable to buy comprehensive bike insurance cover to ensure you are covered against anything and everything.

Yes, having at least a 3rd party bike insurance policy is mandatory under the Motor Vehicles Act 1988.

Yes, irrespective of whoever was driving the bike at the time of the accident, Digit Insurance will cover your losses. But if the driver didn’t possess a valid license they won’t be covered, and your claim can be nullified.

Digit Insurance has you covered irrespective of which city or state the incident happens.

No, you can’t really avoid taking a third-party insurance for two-wheeler since it’s mandatory by law to at least have an insurance policy that covers for third-party damages. Anyone riding without a valid two-wheeler insurance policy is penalised!

Yes, you can. However, it is always advisable to buy comprehensive bike insurance cover to ensure you are covered against anything and everything.

No, comprehensive bike insurance is not mandatory by law in India. However, bike owners should have it as it covers their own bike and injuries in addition to third-party damages, along with a provision to buy add-on covers.

The cheapest third-party bike insurance premium depends on your bike's engine size, location, and your driving record. However, it's more affordable than comprehensive insurance.

It means you (the policyholder) are the first party, while your insurer is the second party. Third party is anyone else involved in an accident – whether person, property, or vehicle.

Yes, Digit allows you to customise your bike inusrance IDV while buying a new policy and even while renewing. Also, if you add external accessories to your bike, IDV will increase.

You will be liable to pay a fine of ₹2,000 for the first-time violation and ₹4,000 for being caught the second time.

Yes, you can easily change your bike insurance policy from third-party to first party i.e. comprehensive bike insurance policy, by visiting Digit website or app.

Yes, you can get third-party bike insurance for your 10-year-old bike via Digit website or app in 4-5 simple steps.

If you only want to cover damage or losses to third party person or property due to your two-wheeler then a third-party insurance two-wheeler policy is enough for you.

Third party bike insurance covers damage to the third-party property and injury, or death of a third party caused due to your two-wheeler in an accident.

Yes, you can file for a claim under third-party bike insurance, but only for damage caused to others (people or property) due to involvement of your two-wheeler in an accident, and not your own bike or injuries.

Yes, Digit allows you to raise a claim for third-party liabilities even if the accident occurred in different cities or states as it is valid across India. However, remember to inform your insurer immediately.

No, you won’t. Your NCB or No Claim Bonus remains intact.

As part of the third-party two-wheeler insurance policy, the maximum compensation depends on the affected party. If the damage is done to a third-party person, then unlimited liability is applicable. However, if damage is done to a third-party vehicle or property then maximum compensation is offered up to ₹7.5 lakhs.

No documents are needed. However, the third-party affected must file a FIR at a nearby police station. 

Yes, you can renew a bike insurance third-party online no matter the mode of purchase. You just need to provide your policy number, its expiry date and other details as required.

Ideally you should file a third-party claim for bike insurance at the earliest to avoid claim rejection. However, the maximum limit is 60 days after the accident.

Basic third-party insurance doesn’t cover your own injuries or death. For that, you need personal accident cover or life insurance. You can add personal accident cover to your bike policy for extra protection.

Third-party insurance won’t help your family financially. It only covers others’ damages. To protect your family, you need term insurance policy, which pays out lump sum in case of accidental death.

Yes, health insurance can cover your medical expenses from a bike accident, but it won’t cover damage to others or their property. That’s where third-party bike insurance steps in, it handles legal liabilities to others.