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Digit’s Motor Insurance Claim Settlement Ratio is 96% for FY’25
When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:
Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
Cashless Claims at over 9000+ garages in India, so you can get your two-wheeler fixed without stress.
Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!
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
Digit's Cashless Garages
List of 9000+ Network Garages >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-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
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.
How is AI making Digit’s Motor Insurance Claim Process Faster & Smarter?
At Digit, we believe filing a motor insurance claim should be simple, not stressful. That’s why we’ve built intelligent automation into every step of the process—so you can get back on the road, faster.
- AI That Sees What You See: When you upload a video of the damage through our app, our AI doesn’t just watch—it analyses. Using advanced image recognition, it assesses the extent of the damage, classifies it, and helps determine the next steps. This means quicker evaluations, fewer delays, and a smoother experience for you.
- Automated Document Processing: From inspection reports to claim forms, our AI systems automatically sort and process your documents. This reduces manual effort, minimises errors, and speeds up approvals. And with a human-in-the-loop approach, we ensure every claim is handled with both precision and empathy.
- Automation That Works Behind the Scenes: Our systems also fetch claim details directly from partner platforms, eliminating the need for repetitive data entry. Whether it’s Bulk Policy Issuance or real-time claim registration, automation helps us move faster—so you don’t have to wait.
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!
How Digit Insurance is owning the narrative of transforming doubt into delight
- 28 Oct 2024
- Adgully
Go Digit Standalone September 2024 Net Sales at Rs 2,234.35 crore, up 17.31% Y-o-Y
- 25 Oct 2024
- Moneycontrol
Go Digit General Insurance standalone net profit rises 223.11% in the September 2024 quarter
- 24 Oct 2024
- Business Standard
FAQs related to Digit Two Wheeler Insurance
How many types of bike insurance does Digit offer?
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?
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?
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?
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?
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?
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?
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.
What is Digit’s claim settlement ratio for motor insurance?
In FY 2024–25, Digit achieved a 96% claim settlement ratio for international travel insurance, reflecting our commitment to hassle-free claim resolution. Our motor insurance claim settlement ratio is equally strong, ensuring you’re in safe hands when it matters most.
Can I file a two-wheeler accident claim digitally without paperwork?
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?
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.