General
What is Two Wheeler Insurance?
Two-wheeler insurance, or bike insurance, is a motor insurance policy that helps you cover against damage to your two-wheeler caused by accidents, thefts, fires, or natural disasters.
The above statistics clearly show that the demand for two-wheelers is rising at an exponential rate, which implies that the accidents involving two-wheelers have also increased. Thus, getting a bike insurance online becomes an absolute necessity.
What’s Covered in Two Wheeler Insurance by Digit?
Accidents
Damages and losses that may arise due to an accident or collision
Theft
Covers for your losses in case your two-wheeler is unfortunately stolen!
Fire
Damages and losses to your two-wheeler in case of an accidental fire!
Natural Disasters
Damages caused to your two-wheeler due to nature’s many furies, such as due to floods, cyclones, etc.
What’s not Covered?
It is equally important to know what’s not covered in your Digit Two-wheeler Standalone Own Damage Policy so that there are no surprises when you make a claim. Here are some such situations:
Drunk Riding or without a Licence
Your bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.
Driving without a valid Driving Licence holder
If you hold a learner’s licence and were riding your two-wheeler without a valid licence-holder on the pillion seat- then your claim in those situations won’t be covered.
Consequential Damages
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged two-wheeler is being used incorrectly and the engine gets damaged, it is considered as consequential damage and it will not be covered)
Contributory Negligences
Any contributory negligence(e.g. damage due to driving a two-wheeler in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Why Choose Two Wheeler Insurance by Digit?
Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
Cashless Repairs
9000+ Cashless Network Garages for you to choose from across India. (b)
Smartphone-enabled Self Inspection
Quick and paperless claims through Smartphone enabled processes that make you go "That's it?"
Effortless Claims
Claims are promptly reviewed, and on approval, quickly settled!
Customize your Vehicle IDV
With us, you can customize your vehicle IDV as per your choice!
24*7 Support
24*7 call facility even on National Holidays
Different Types of Two-Wheelers Covered in India
In India, two-wheeler insurance policy covers a wider range of vehicles including:
Private Two-Wheelers
These include standard geared and non-geared two-wheelers of all engine capacities that are used for personal purposes, including bikes, scooters, mopeds, etc.
Commercial Two Wheelers
Two-wheelers used for and by business to carry goods and passengers are covered under commercial vehicle insurance policy. It is specifically designed keeping in mind the needs of commercial bike users like delivery partners.
Electric Two Wheeler Vehicles (EVs)
Electric bike insurance protects two-wheelers which run on electricity from potential damage and losses occurring due to accidents, natural calamities, or fire.
Two Wheeler Insurance Plans That Fit Your Needs
Digit Two-Wheeler Standalone Own Damage Policy
Why Buying a Two Wheeler Insurance Online Makes Sense?
In the world of online shopping, quick UPI payments and what not, buying a bike insurance online is just one part of this ever-growing digital economy. It not only makes things easier and more convenient for you, but also helps reduce costs and hence, your bike insurance premiums!
All you need to do to buy a bike insurance online is keep your basic two-wheeler details handy and your debit/credit card or UPI id ready and your bike insurance will be emailed to you in no time.
Saves Time
One of the biggest advantages of buying a bike insurance online is the fact that it can save you so much time! No need to visit an agent or an insurance office physically. All you need is your laptop or smartphone and a stable internet connection.
Zero Paperwork
Nobody likes paperwork and we get that! That’s why, when you buy a bike insurance online with Digit, there is no paperwork involved. Everything is literally just online!
How to File a Two Wheeler Insurance Claim?
After you buy or renew our two wheeler insurance plan, you live tension free as we have a simple, convenient and completely digital claims process!
Step 1
Just call on 1800-258-5956. No forms to be filled.
Step 2
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.
Step 3
Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.
a. “5.3+ crore customers is a cumulative count of all customers/lives onboarded and includes without limitation persons who have availed insurance benefits under various policies issued since inception.”
b. “Data As On 11-11-2024”
L&T Finance Limited (Formerly known as L&T Finance Holdings Limited) having its registered office at (Brindavan, Plot no. 177,CST Road, Kalina, Santacruz (East), Mumbai - 400 098, Maharashtra, India) registered with CIN: L67120MH2008PLC181833 is a corporate agent registered with Insurance Regulatory and Development Authority of India bearing registration No.CA0867. Insurance Plan is offered and underwritten by Go Digit General Insurance Limited. Decision to purchase/avail an insurance plan by the customers is purely on voluntary basis.