Third-Party Bike Insurance

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.

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

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 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.

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.

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.

Third‑party claims are legally decided by the Motor Accident Claims Tribunal (MACT), not by the insurer. The insurer cannot directly approve or reject compensation. Since the process involves FIRs, evidence, court hearings, and judicial timelines, it often takes longer than regular insurance claims, even though the insurer pays the final amount.

MACT involvement is mandatory for all third‑party injury or death claims, regardless of size. This legal framework ensures victims receive compensation based on statutory rules, medical evidence, and income loss rather than insurer discretion.

Your third‑party insurance only pays for the other person’s damage, not yours. Their repair or compensation → handled via your third‑party policy Your bike repair → paid out of pocket (unless you have comprehensive insurance) This is why many riders feel insured yet still incur personal expenses. 

Your third‑party insurance only pays for the other person’s damage, not yours.

• Their repair or compensation → handled via your third‑party policy

• Your bike repair → paid out of pocket (unless you have comprehensive insurance)

This is why many riders feel insured yet still incur personal expenses. 

In most cases, your insurer handles legal proceedings and representation. You may be required to cooperate by providing documents or statements, but routine court appearances are typically not needed unless specifically directed by the tribunal.

Yes, in specific cases such as: Riding without a valid licence Drunk or intoxicated riding Policy obtained through misrepresentation  In such situations, the insurer may still pay the victim but later recover the amount from the bike owner.

Yes, in specific cases such as:

• Riding without a valid licence

• Drunk or intoxicated riding

• Policy obtained through misrepresentation 

In such situations, the insurer may still pay the victim but later recover the amount from the bike owner.

Each rider’s injuries are treated separately: Your third‑party policy covers injuries to the other person Your own injuries are covered only if you have Personal Accident or health insurance Without PA cover, your medical costs remain your responsibility. 

Each rider’s injuries are treated separately:

• Your third‑party policy covers injuries to the other person

• Your own injuries are covered only if you have Personal Accident or health insurance

Without PA cover, your medical costs remain your responsibility.