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How to File Digit Bike Insurance Claims?

By Juhi Walia
22 July 2022, 2:49 PM

Digit has won the trust of many people by insuring them with its efficient two-wheeler insurance policies. Over the years, it has effectively settled the claims of more than 2 million customers by protecting them from legal and financial obligations to third parties. Further, Digit's two-wheeler complaints service has been designed to be user-friendly with an AI-enhanced online chat option and helpline numbers.

Your Digit bike insurance online can entitle you to compensation in the form of a claim for any damage that may affect your vehicle, you, or a third party. Digit is obliged to offer you financial support depending on the insurance policy you have taken out. Digit two-wheeler insurance online helps you cover any damage that may happen to you and your vehicle in the event of theft, accident, natural disaster, or fire. Use the two-wheeler insurance online policy to protect yourself against liability resulting from damage to property, vehicles, or persons of third parties.  

The two-wheeler insurance claim from Digit can be cashless if you take your damaged bike to one of the garages in Digit's network after the surveyor okays it after inspection. The claims settlement rate of Digit bike insurance is around 97%. To help its policyholders settle claims, Digit General Insurance has developed an easy-to-use website. Policyholders can go through a seamless claims process by following the steps below.

List of Documents Required for the Settlement of Digit Bike Insurance Claims

Below are the documents required for the Digit two-wheeler insurance online claim settlement procedure upon the occurrence of any of the following events:

In Case of an Accident

  • Original two-wheeler insurance policy documents.
  • Application form duly completed and signed.
  • Copy of the registration certificate (RC).
  • Copy of driving licence.
  • First Information Report (FIR) copy.
  • Original tax receipts.
  • Estimate repair costs.
  • Payment receipts/invoices once the repair has been made.

In Case of Third-party Claims

  • Application form duly completed and signed.
  • Original/copy of the two-wheeler insurance.
  • Copy of the registration certificate (RC).
  • Copy of driving licence.
  • FIR copy.

In Case of Theft

  • Documents required in case of an accident, along with the additional documents below
  • 'No Trace Report' of the insured two-wheelers by the police.
  • Forms 26, 28, 29, 30, and 35 need to be duly completed and signed.
  • Original registration certificate (RC).
  • Report of theft from the regional transport agency.
  • All key sets / Warranty card / Service booklets.

Types of Digit Claim Settlement Processes

  • Cashless claims
  • Reimbursement claims

How to Make a Cashless Claim for Digit Cashless Bike Insurance?

Digit General Insurance has allowed the cashless bike insurance claim process these simple steps.

Step 1: Contact Digit Insurance Immediately

To initiate the claim settlement procedure, the policyholder must inform the insurer immediately after theft, third-party claims due to an accident, damage to the bike due to an accident or by other included means. You can contact Digit General Insurance within 24 hours of the unfortunate incident by emailing hello@godigit.com or by calling on its helpline numbers. It is recommended that you click on the pictures of the place where the unfortunate event occurred and collect the number of witnesses, as this can serve as evidence when registering for the claim.

Step 2: Record a complaint

A business manager comes back to you. You need to provide your policy number and incident details to the concerned executive. You will get a claim registration number, which you should keep for further use.

Step 3: Damage Overview

A company expert is sent to investigate the extent of the damage to the bike during the accident. In the event of material damage caused by third parties, indicate the vehicle registration number. You can also include the contact information of any witnesses as evidence. The expert will assess the repair costs and collect the duly completed claim form, policy documents and evidence of the accident before allowing you to take your bike to the nearest network garage for cashless repairs. 

Step 4: Settlement of the Claim

After evaluating all aspects, the surveyor verifies the situation and gives his/her approval. The insurer confirms its financial and legal obligations and pays all repair costs of the bike insured in the garage. The insurer calculates the claim amount by factoring in deductibles and depreciation.

How to Submit a Reimbursement Claim Request?

In case the network garage of Digit Insurance remains far away from the place of an incident, you can send your bike to some other garage for repairs. Of course, you will need to pay upfront. But you can get all that reimbursed by Digit Insurance later. Here's how Digit bike insurance reimbursement claims get settled.

Step 1: You must call the insurer within two days of the withdrawal date. Before uploading, you need to sign all documents and note that these documents are for Digit Insurance. Have all originals ready as they may be required.

Step 2: Upload the materials and the necessary documents as asked by the insurer within 30 days of the posting date or after receiving the link.

Step 4: You will be informed of any additional requirements.

Step 5: Digit will pay you within 30 days of receiving the last required application document.

Reasons Why Digital Bike Insurance Claims Can Get Rejected

Digit General Insurance has established standards that every two-wheeler insurance online policyholder must follow to settle a claim. The insurer will reject the claim in the following circumstances:

  • Negligence.
  • Misinterpretation of the facts.
  • Registration of a fraud complaint.
  • Lack of details needed to process the complaint.
  • Failure to timely reporting of the accident.
  • Driving without a licence.
  • Driving under the influence of intoxicating drugs or alcohol.


Filing a cashless or reimbursement claim with a Digit two-wheeler insurance policy is straightforward. If you keep the documents handy and are honest in your approach, your claim request will be processed as early as possible. 

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1. Do I have to submit the original documents to process my Digit bike insurance online claim?

No, unlike traditional insurance policies, Digit is digitally-friendly. All you need to do to process your two-wheeler insurance claim is upload the required documents on the link. A representative will be in constant touch with you regarding your claim. You must preserve the original documents as Digit may ask for them depending on the situation.

2. In how many days should I intimate Digit bike insurance for reimbursement claims?

You must notify Digit within two days of the incident for hassle-free settlement of reimbursement claims.

3. How long does it take to settle a Digit bike insurance claim?

At Digit, your claims are processed and resolved as quickly as possible. Cashless claims are usually approved within 24 hours at any of the network garages of Digit Insurance. Whereas a reimbursement request is settled within a maximum of 30 days after receipt of the last request required.

4. Where can I request bike insurance online cashless claims?

Cashless claims apply to Digit’s 6400+ network garages. You can check out the list on its website.

5. Can I intimate Digit bike insurance claim online?

Yes, you can intimate a two-wheeler insurance claim online by mentioning the incident, its time, the policy type, the policy number, bike registration number, engine number and other details on the official website of Digit Insurance. You will get a claim registration number after doing these.

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