Digit Bike Insurance Reviews

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9000+ Cashless

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1000 Crore+

Paid-in Claims

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24*7 Claims

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.
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What Our Customers Have to Say about Us

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Why Choose Digit Two-Wheeler Insurance Policy?

Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement

Cashless Repairs

Cashless Repairs

9000+ Cashless Network Garages for you to choose from across India

Smartphone-Enabled Self Inspection

Smartphone-Enabled Self Inspection

Quick and paperless claims through Smartphone enabled processes that make you go "That's it?"

Super-fast Claims

Super-Fast Claims

Quick and hassle-free claim process that's digital and paperless

Customize your Vehicle IDV

Customize Your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Complimentary Wellness Benefits

Get exclusive wellness benefits on the Digit App offered by top-rated health and wellness partners.

Key Features of Digit's Two-Wheeler Insurance

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 9000+ 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

Cashless Garages by Digit

Digit's Cashless Garages

Get cashless repairs at 9000+ garages across India 

73% Two Wheeler Repair Work Approvals done within 12 hours

  • In H2 FY25, our average two-wheeler repair approval time was 14 hours and 32 minutes, with 73% of approvals completed within 12 hours. Only a few cases experienced longer wait times, typically due to complex assessments or the need for additional documentation, highlighting our commitment to minimising delays and maximising efficiency. 
  • Rest assured, we carefully monitor every step to ensure your two-wheeler is back on the road as swiftly as possible!

Key Features of Two-Wheeler Insurance by Digit

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 9000+ 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

Bike Insurance Claim Stories

quote 07/04/2025
An accident collison damaged multiple parts of the scooter, leaving it unfit to ride. Digit helped with the quick claim approval and smooth experience.
See their story
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Shidu_Suzuki ACCESS 125 Owner

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How digit made scooter insurance claims hassle-free for customers

Accident caused major damage to scooter parts

During a regular ride, the customer met with an accident that caused heavy damage to multiple scooter parts. The scooter was not in a condition to be ridden and needed immediate repairs

Quick help and hassle‑free scooter part replacement

The claim was settled quickly within 7 Days through a simple process, allowing damaged parts to be replaced without hassle. Digit ensured repairs were handled smoothly, helping the customer get the bike back in proper condition.

Claim Details

Claim Type

Cashless

Claim Location:

Pune, Maharashtra

Settled Amount:

25,454.85

Ratings

5 Star

quote 23/11/2021
A parked bike was damaged due to a sudden fire, leaving the customer worried about repair expenses. Digit ensured a smooth claims experience by quickly approving the request and arranging repairs at a nearby cashless garage, eliminating the need for any upfront payment.
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Muslima_Bajaj Pulsar Owner

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When a sudden fire caused damage, help came cashless

Parked Bajaj Pulsar Caught Fire - Leaving the Owner Shocked and Worried About Costs

When the bike was parked, a sudden fire broke out and damaged some parts of the Bajaj Pulsar. Though the fire was controlled in time, it still caused visible damage. The customer was worried about repair costs and how quickly the bike could be fixed.

Quick settlement with no upfront payment

The customer raised a claim with Digit and was guided to a nearby cashless garage. The claim was settled quickly, and repairs were done without the customer paying any money upfront and making the experience stress‑free.

Claim Details

Claim Type

Cashless

Claim Location:

Kaasba, West Bengal

Settled Amount:

25480.6

Ratings

5 Star

quote 30/08/2022
After an accident damaged the scooter, Digit’s Zero Dep Add-on Cover ensured the claim was settled smoothly and repairs were done without any extra cost or stress.
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Ravindra_TVS Jupiter Owner

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An accident, handled better with the right add‑on Cover

When an unexpected accident caused damage to TVS Jupiter

During a regular ride, the customer met with an accident that damaged parts of the TVS Jupiter. The scooter needed repairs, and the customer was concerned about how much they would have to pay out of pocket for replacing worn or damaged parts.

How zero depreciation add-on cover help reduce unnecessary expenses

The customer had opted for Digit’s zero dep add-on, which made things much easier. Digit settled the claim smoothly and covered the full cost of the damaged parts without any deductions. The approvals were quick, and the bike was repaired without any hassle.

Claim Details

Claim Type

Reimbursement

Claim Location:

Dhule, Maharashtra

Settled Amount:

25428.98

Ratings

5 Star

quote 30/08/2022
An unexpected accident damaged the Honda Activa, the customer was worried about extra repair costs. Digit made it easy with a fast, cashless claim process and covered consumables through the add‑on.
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Somabhai_Honda Activa Owner

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From accident stress to smooth repairs with digit’s cashless claim

When an unexpected accident caused damage

During a regular ride, the customer met with an accident that damaged the Honda Activa. Along with visible damage, the scooter needed routine repair items like engine oil, nuts, bolts, and other small consumables. The customer was worried these additional costs would have to be paid from his own pocket.

How Digit helped with cashless repairs and extra cover

The customer had opted for Digit’s Consumable Cover add‑on, which helped cover the cost of consumables used during repairs. Digit also arranged cashless repairs at a network garage, so the customer did not have to pay anything upfront. The claim was settled smoothly through a simple process, and the scooter was repaired without stress or unexpected expenses.

Claim Details

Claim Type

Cashless

Claim Location:

Vadodara, Gujarat

Settled Amount:

25,432.52

Ratings

5 Star

quote 02/05/2025
An accident caused major damage to the scooter, but the Return to Invoice cover ensured he received the full purchase value.
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Mr Kala_Suzuki Burgman Street Owner

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From heavy damage to full value recovery with return to invoice cover

Unexpected collision left the scooter heavily damaged

After an unexpected collison the customer’s Suzuki Burgman Street suffered major damage. He was concerned about losing money due to depreciation and high repair expenses.

Full invoice value paid with zero financial loss

With the Return to Invoice add-on, Digit paid the full purchase invoice value of the scooter. This ensured the customer didn’t have to worry about reduced payout or unexpected expenses.

Claim Details

Claim Type

Reimbursement

Claim Location:

Chennai, Tamil Nadu

Settled Amount:

29,669.97

Ratings

5 Star

quote 29/04/2022
A Late Night accident led to bike parts damage, but Digit’s cashless claim process ensured quick repairs and a stress-free experience.
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Dipendu_Meteor 350 Owner

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Accident damage fixed easily with a hassle free claim process

Unexpected accident led to severe bike parts damage

During a late evening ride, the customer lost balance and the bike fell, damaging multiple bike parts. The customer feared about long claim procedures and unexpected expenses.

Fast approval and stress free repairs at a cashless garage

The customer informed Digit and was guided to a nearby Digit cashless garage. The bike was inspected and repairs were approved quickly. The entire repair was done at a Digit cashless garage, so the customer didn’t have to worry about payments or reimbursement.

Claim Details

Claim Type

Cashless

Claim Location:

Kolkata, West Bengal

Settled Amount:

25,404.95

Ratings

5 Star

quote 03/04/2024
After an unexpected accident damaged the scooter, Digit ensured quick, cashless repairs at a cashless garage — without any payment worries for the customer
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Prashant_Odysse Hawk Plus Owner

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Quick cashless repairs with zero payment hassle

A Sudden mishap brought concerns over repairs and settlement

During a regular ride, the customer faced an accident that caused visible damage to the electric scooter. The thought of managing repairs and claim settlement added to their stress.

Hassle free repairs with zero upfront cost

After the accident, the customer was worried about repair costs. Digit guided them to a nearby cashless garage without any hassle. The scooter was inspected and approved quickly, and repairs were completed smoothly without delays. Digit settled the bill directly, so there was no upfront payment.

Claim Details

Claim Type

Cashless

Claim Location:

Bhopal, Madhya Pradesh

Settled Amount:

25,691.3

Ratings

5 Star

quote 31/08/2024
A pothole‑related accident damaged the TVS iQube, but Digit’s quick settlement and Parts Depreciation Protect ensured stress‑free repairs.
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Abhinav_TVS Iqube Owner

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Quick settlement and stress free repairs after pothole damage

Unexpected Road Accident Led to Severe Damage

An unexpected pothole caused damage to the customer’s TVS iQube during a routine ride. The customer was concerned about long repair times and part replacement costs.

Quick claim settlement with zero depreciation worries

Digit processed the claim quickly. Thanks to the Parts Depreciation Protect add‑on, the customer didn’t have to worry about reduced claim value for replaced parts. The scooter was repaired and ready without any financial stress.

Claim Details

Claim Type

Cashless

Claim Location:

Agra, Uttar Pradesh

Settled Amount:

21,603.1

Coverage Type

Own Damage Cover

quote 01/09/2024
The scooter was badly affected after being caught in flooding, leaving the customer concerned about repairs. Digit stepped in and the inspection and approvals were completed without delay, getting the scooter back on track. With no upfront payment required, the customer experienced a seamless and stress-free recovery.
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Mr. Katari_Suzuki Access Owner

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When heavy rain caused unexpected damage

Flood damage raised repair and claim concerns

Unexpected flooding damaged the customer’s scooter while it was parked on the road. The customer was concerned about how long repairs would take and whether the claim process would be complicated.

Fast claim processing with hassle free repairs

Digit processed the claim quickly and guided the customer to the Suzuki Showroom for cashless repairs. Digit coordinated directly with the garage, making the entire experience smooth and worry‑free.

Claim Details

Claim Type

Cashless

Claim Location:

Vijayawada, Andhra Pradesh

Settled Amount:

25,510.82

Ratings

5 Star

quote 07/11/2024
An unexpected bike accident damaged multiple parts and made the vehicle unfit to ride. Digit made the repair journey easier with a smooth cashless claim and support at a trusted garage.
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Tushar_Hero Splendor Owner

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Quick Support That Helped a Customer Repair Their Bike Without Hassle

The bike needed urgent repairs after an accident

A sudden collision during a regular ride caused major damage to the customer’s bike. With the bike no longer in a condition to be ridden, getting repairs done quickly became important.

Digit made the repair process smooth and cashless

Digit arranged the repair under a cashless claim, making the process simple and convenient. The customer also had the Zero Dep add-on, which helped cover the cost of replaced parts more effectively. With Digit coordinating directly with the garage, the customer could avoid extra payment and paperwork stress.

Claim Details

Claim Type

Cashless

Claim Location:

Pune, Maharashtra

Settled Amount:

25,942.36

Ratings

5 Star

Interesting Insights & Claim Stories of Digit Customers

A Digit Two-Wheler Insurance Customer Received a Total Loss Claim of ₹3.22 Lakh in Bengaluru

In a recent case from Bengaluru, one of our policyholders experienced a total loss after their two-wheeler was severely damaged. Fortunately, the vehicle was insured, and we processed a claim payout of ₹3.22 lakh. This case highlights the importance of having dependable insurance coverage to stay prepared for life’s unexpected turns.

Digit Settled a Third-Party Claim Worth 1.12 Crores in Hoshiarpur, Punjab

In a recent case from Hoshiarpur, one of our policyholders was involved in a two-wheeler accident that tragically resulted in a third-party fatality. In this case, the vehicle was covered under a valid third-party insurance policy, and we processed a claim payout of ₹1.12 crore to address the resulting liability. This case highlights the vital role third-party insurance plays—even for smaller vehicles like two-wheelers—in offering essential protection during unforeseen events.

Rat Attacks on Two-Wheelers on the Rise

In Surat, a bike owner faced an unusual problem—rats chewed through the wire harness not once, but twice in a single year, all while the vehicle was parked safely at home! Thankfully, the insurance policy included coverage for such unexpected damages. Both times, the repair costs were fully covered, saving the owner from out-of-pocket expenses. 

This case proves that insurance isn’t just for accidents or theft—it also protects against the most unexpected (and smallest) threats.

BSVI Becomes the New Standard in Vehicle Insurance

BSVI Becomes the New Standard in Vehicle Insurance

BSVI-compliant vehicles now make up 39% of the insured fleet, surpassing BSIV at 36.46%. This shift reflects a growing move toward cleaner, more efficient vehicles. Insurance is evolving alongside the vehicles it protects.

From Everyday Drives to Luxury Rides – Digit is the Trusted Insurance Choice

From Everyday Drives to Luxury Rides – Digit is the Trusted Insurance Choice

This year, we received some standout premium payments across different vehicle types. A Ferrari topped the list in the four-wheeler category with a premium of ₹8.04 lakh. In the two-wheeler segment, a Hayabusa was insured with a premium of ₹44,000. And in the commercial vehicle category, a Volvo L150 wheel loader was covered with a premium of ₹3.53 lakh. This highlights how our insurance scales to match the value and purpose of every vehicle, whether it’s built for speed, style or strength.

Some feathers on our cap! 

Top Rated Internet/Product Companies (mid-sized category) ​

Ambition Box Employee Choice Awards 2025​

Top Employer in India 2024 & 2025​

Top Employer Institute, Netherlands​

Best Digital Insurer - India​

Insurance Asia Country Excellence Awards 2024​

Technology Champion of the Year (GI)​

Elets BFSI Leadership Awards 2024​

General Insurance Company of the Year​

Asia Insurance Industry Awards 2024​    

Most Innovative Insuretech Platform​

Fintech Festival India Awards 2024​

Part of Fortune India 500 List 2024 (Ranked 312)​

FORTUNE INDIA​

Digit Makes It to the Headlines!

FAQs related to Digit Two Wheeler Insurance

How many types of bike insurance does Digit offer?

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There are three types of two-wheeler insurance policies with Digit - Comprehensive, Own-damage and Third Party Liability. 

There are three types of two-wheeler insurance policies with Digit - Comprehensive, Own-damage and Third Party Liability. 

What are the documents required to buy a bike insurance with Digit?

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None! All we need for you to buy your bike insurance online with us is, is your two-wheeler registration number, and the policy number of your previous two-wheeler insurance policy (if applicable).​

None! All we need for you to buy your bike insurance online with us is, is your two-wheeler registration number, and the policy number of your previous two-wheeler insurance policy (if applicable).​

What Add-Ons can I get with Digit’s bike insurance policy?​

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At Digit, we offer 24*7 Breakdown Assistance, Engine & Gearbox Protection, Zero Depreciation and many others.​

At Digit, we offer 24*7 Breakdown Assistance, Engine & Gearbox Protection, Zero Depreciation and many others.​

What makes Digit’s two-wheeler insurance document easy to understand?

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At Digit, we believe insurance shouldn’t feel like decoding a legal document. That’s why we created the “Digit Simplifies” section—where we break down complex terms and offer bite-sized policy summaries. Our transparent approach ensures you know exactly what documents you need and what to expect, making the entire process stress-free.

At Digit, we believe insurance shouldn’t feel like decoding a legal document. That’s why we created the “Digit Simplifies” section—where we break down complex terms and offer bite-sized policy summaries. Our transparent approach ensures you know exactly what documents you need and what to expect, making the entire process stress-free.

How fast are two-wheeler claims processed at Digit?

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At Digit, speed meets simplicity. Our AI-powered claims process ensures that most two-wheeler insurance claims are settled within just a few hours—with our fastest claim approved in just 5 minutes this year! On average, we maintain an impressive turnaround time of 14 hours and 32 minutes. No lengthy forms. No back-and-forth. Just a smooth, paperless experience that gets you back on the road faster.

At Digit, speed meets simplicity. Our AI-powered claims process ensures that most two-wheeler insurance claims are settled within just a few hours—with our fastest claim approved in just 5 minutes this year! On average, we maintain an impressive turnaround time of 14 hours and 32 minutes.

No lengthy forms. No back-and-forth. Just a smooth, paperless experience that gets you back on the road faster.

What kind of support can I expect during a bike accident?

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We’re here for you 24/7—even on national holidays. Whether it’s day or night, you can: Text us on WhatsApp at 7026061234 (chat-only) Call us at 1800-258-5956 Our support team and self-serve chatbot are always ready to guide you through the next steps.

We’re here for you 24/7—even on national holidays. Whether it’s day or night, you can:

  • Text us on WhatsApp at 7026061234 (chat-only)
  • Call us at 1800-258-5956

Our support team and self-serve chatbot are always ready to guide you through the next steps.

How does Digit help avoid claim rejections?

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We believe in clarity from the start. That means you’ll know exactly what’s included in your policy, what’s excluded, and what documents are required—before you even make a claim. Our simplified policies and real-time assistance help ensure your claims are processed smoothly, with minimal risk of rejection.

We believe in clarity from the start. That means you’ll know exactly what’s included in your policy, what’s excluded, and what documents are required—before you even make a claim. Our simplified policies and real-time assistance help ensure your claims are processed smoothly, with minimal risk of rejection.

Can I file a two-wheeler accident claim digitally without paperwork?

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Absolutely. With Digit, you can file and track your claim entirely online—no paperwork required. Just upload photos or videos of the damage through our app, along with details of the accident, we will take it from there.

Absolutely. With Digit, you can file and track your claim entirely online—no paperwork required. Just upload photos or videos of the damage through our app, along with details of the accident, we will take it from there.

Does Digit offer cashless repairs?

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Yes! We have a wide network of over 9000+ cashless network garages across India. Just take your bike to one of our partner garages, and we’ll handle the payment directly so you don’t have to worry about upfront costs.

Yes! We have a wide network of over 9000+ cashless network garages across India. Just take your bike to one of our partner garages, and we’ll handle the payment directly so you don’t have to worry about upfront costs.

Need Help?

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:

WhatsApp

Connect with our self-serve chat bot support - 7026061234

Email

Write to us at hello@godigit.com

Contact

Call us on 1800-258-5956