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Go Digit Bike/Two Wheeler Insurance
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Go Digit General Insurance is one of the leading general insurance companies in the country. It was formerly known as Oben General Insurance Limited. Go Digit General Insurance Company was incorporated in 2016 and has its head office in Bengaluru, India.
The company is backed by Fairfax which has operations in over 30 countries. Go Digit General Insurance has been awarded Asia’s General Insurance Company of The Year 2019 and 2020. The company offers non-life general insurance policies through its digital platform. It offers a wide range of insurance solutions which includes health insurance, bike insurance, car insurance, travel insurance, mobile insurance, commercial vehicle insurance, jewellery insurance and home insurance.
Types of Go Digit Two-wheeler Insurance Plans
Go Digit provides various kinds of two-wheeler insurance policies from the complete comprehensive cover to standalone third-party and own damage bike insurance policies. Let us have a look at types of two-wheeler insurance policies offered by Go Digit General Insurance:
Third-party Liability Only Insurance Plan-
Third-party liability only insurance plan provides cover against the damages and liabilities arising to the third party or third-party property due to an accident caused by your bike. Third-party liability insurance is mandatory under the Motor Vehicles Act. You cannot play your vehicle on the road without a third-party liability bike insurance policy.
There are two types of third-party liability policies offered by Go Digit General Insurance Company. They are as follows:
- Single year third-party liability-only policy-
It covers third-party liability for one year and can be renewed annually.
- Long term third-party liability-only policy-
This insurance policy provides coverage against damages or liabilities arising to third-party. The policy comes with a term of five years and is available for new two-wheelers.
- Comprehensive Insurance policy-
Comprehensive insurance policy provides a wide coverage which includes third-party losses along with damages suffered by the vehicle due to an accident. It also provides cover against theft or bodily injuries suffered by the rider. Comprehensive insurance plan is also called a two-wheeler package policy. Go Digit General Insurance offers an annual comprehensive plan for two-wheelers.
- Bundled plan-
Bundled insurance plan provides bundled coverage for third party liability and own damages. Third-party liability coverage is offered for 5 years along with own damage cover for one year. This type of plan is offered only to new vehicles.
- Standalone own damage insurance policy-
Standalone Own Damage bike insurance policy provides cover against damages suffered by your own vehicle. This plan does not cover third-party liability and can be brought only when you already have an existing third-party liability insurance policy.
Through its latest guidelines IDRAI has made it compulsory to buy a minimum of 5 years of third-party liability insurance policy at the time of buying a new two-wheeler. You can buy a one-year own damages plan along with 5-year third-party liability under the bundled plan or 5-year third party cover and annual own damage cover.
Benefits of Go Digit Two-wheeler Insurance
The benefits of buying Go Digit two-wheeler insurance policy are discussed as follows-
- Zero paperwork-
Buying a Go Digit two-wheeler insurance policy involves zero paperwork. You just need to go online, fill in the details and pay the premium. Your plan will be issued instantly. Everything is done online.
- Network garages-
The company has tied up with over 1,000 cashless network garages across the country to offer convenient cashless claims.
Go Digit General Insurance offers smartphone-enabled self-inspection which ensures a quick and paperless claim settlement process. Through this smartphone-enabled self-inspection process, you can self-inspect your vehicle and the claim would be settled at the earliest.
- 24/7 support-
The facility of 24/ 7 emergency assistance even on national holidays makes Go Digit two-wheeler insurance plans convenient.
- Advance payment-
If you cannot find cashless garages near your location, Go Digit General Insurance Company promises to pay 80% advance payment to the network garage of your choice. This facility provides the benefit to get your vehicle repaired without incurring a financial burden.
- Quick claim process-
The company’s claim settlement process is straight forward and simple. You can avail cashless claim at a network garage or go for reimbursement of the cost of repairs. The turnaround time for two-wheeler claims is 11 days.
What is Covered Under Go Digit Two-wheeler Insurance Plans?
Let us look at what is covered under Go Digit two-wheeler insurance policies-
- Third-party losses-
When a third party is injured or a third-party vehicle or property is damaged due to an accident caused by your vehicle, all the liabilities suffered would be covered under Go Digit two-wheeler insurance plans.
- Natural disasters-
Damages caused to your vehicle due to any natural disasters such as cyclones, floods, earthquakes, etc are covered.
Damages and losses caused to your two-wheeler in case of accidental fire would be covered under the two-wheeler insurance plan.
Comprehensive two-wheeler insurance policy covers losses in case your vehicle is unfortunately stolen. The company will pay you for the losses so that you can use the money to replace the old bike with a new one.
- Damages due to accident-
Damages or losses arising due to an accident or collision can be claimed from the insurance company. Any damages such as broken parts, scratches, dents are also covered under comprehensive Go Digit two-wheeler insurance policies.
- Personal accident (if opted) -
If you and/or your pillion rider suffers disablement or death in an unfortunate accident and you have selected the personal accident cover for the driver and/or the pillion rider, a lump sum benefit would be paid
What is not Covered Under the Go Digit Two-wheeler Insurance Plans?
It is equally important to know which situations are not covered in your two-wheeler insurance policy so that there would be no surprises when you make an insurance claim. The situations that are not covered in Go Digit two-wheeler insurance policy are as follows-
- Electrical or mechanical breakdown-
Mechanical and electrical breakdown are not covered under Go Digit two-wheeler insurance policies.
- Consequential damages-
Any damage which is not a direct result of an accident or any damage caused due to incorrect use of the vehicle is known as consequential damages. Consequential damages are not covered in two-wheeler insurance policies.
- Driving without a valid driving licence-
If you are driving the vehicle without a valid driving licence and any damages occurs then your claim would not be covered.
- Damages due to man-made disasters-
Damages arising due to man-made disasters such as strike, riots, war, etc. would not be covered as it is a permanent exclusion.
- Damages outside India-
Liabilities arising to be third-party or any damages and losses suffered by your vehicle would not be covered if an accident happened outside the geographical limits of India.
Every vehicle requires regular servicing to run smoothly. The cost of servicing has to be borne by the owner of the two-wheeler as the insurance company will not offer compensation for natural wear and tear.
- Drunk driving-
Your Go Digit two-wheeler insurance won't be covered for you in situations where you were riding your vehicle drunk or under the influence of drugs.
- Contributory negligence-
Any contributory negligence such as damage due to driving the vehicle in a flood which is not recommended as per manufacture driving manual, would not be covered.
Keep these permanent exclusions in mind at the time of making an Insurance claim so that your claim is not rejected by the insurance company.
How to Apply For Go Digit Two-wheeler Insurance Policy?
It is very easy to buy Go Digit two-wheeler insurance policy as the whole process can be done digitally. Steps to apply for Go Digit two-wheeler insurance policy are as follows:
- Visit the official website of the insurer-
Start off by visiting the official website of Go Digit General Insurance and enter the details of your two-wheeler. These details include make, variant, model, registration number and the city that you reside in. Click on “Get Quote” and select the two-wheeler insurance policy of your choice.
- Fill in other details-
Provide other details about your previous insurance policy (if any) such as the date of expiry, claims made in the previous year and no claim bonus earned.
- Pay the premium-
Pay the premium and your policy document would be sent to you through email.
All the insurance plans are directly available on the website of the insurance company so that you can buy the coverage easily.
Go Digit Two-wheeler Insurance Claim Process
Go Digit two-wheeler insurance has super easy claim process which is stated as below:
- Intimate the insurer-
As soon as the accident takes place you will have to inform the insurance company about the damages by calling on 1800-258-5956. No form is required to be filled.
After intimating the insurance company, you will receive a link for self-inspection on your registered mobile number. You are required to shoot your vehicle’s damages from your smartphone using the smartphone-enabled app with the help of a guided step by step process
- Repair mode-
You can choose the mode of repair that you wish to opt for i.e. reimbursement or cashless claim settlement through network garages.
- Get your bike repaired at your ease-
After receiving the estimated cost of damage under the reimbursement mode, you can easily get your bike repaired at any garage and enjoy your ride again.
Renewing a Lapsed Go Digit Two-wheeler Insurance Policy
When the expiry date of your two-wheeler insurance policy is near, you should renew the plan immediately. However, if you forget to pay the premium on time, your two-wheeler insurance policy would lapse. The insurance company offers a grace period after the expiry of the due date for paying the premium to renew your expired two-wheeler insurance policy. You can pay the premiums within the grace period and your policy will be reinstated. If the grace period has expired, you will have to call the insurance provider for renewal. The insurance company will reassess your two-wheeler and offer you a fresh quote. You can renew your policy after paying the premiums as per the fresh quote.
Review of Go Digit Two-wheeler Insurance
Go Digit General Insurance enjoys a high rating of more than four stars by 92% customers and 4.9 Facebook rating. The claim settlement process of Go Digit two-wheeler insurance plan is very simple and hassle-free. The smartphone-enabled claim process can be done online within 7 minutes. The claim settlement ratio of Go Digit General Insurance stood at 97% for the period from October 2019 to March 2020 and its Incurred Claims Ratio of Motor Insurance stood at 76% for the financial year 2018-19. Go Digit General Insurance is, therefore, a reputed company and you can choose its two-wheeler plan for covering your two-wheeler.
Go Digit Two Wheeler Insurance Contact Information
|Register office address||Atlantis, 95, 4th B. Cross Road Koramangala Industrial Layout, 5th Block, Bangalore 560095|
Add ons for your Two Wheeler Insurance
Go Digit Bike/Two Wheeler Insurance FAQs
1. Can I get Add-ons with Go Digit two-wheeler insurance plans?
Yes, Go Digit General Insurance offers all the standard two-wheeler insurance add-ons. You can get add-ons such as return to invoice cover, zero depreciation cover, engine and gearbox protection cover, consumable cover and breakdown assistance cover when you buy Go Digit two-wheeler insurance policy. However, you can buy one or more add-ons at the time of buying an insurance policy or at the time of renewing it at an additional premium cost.
2. What documents are required to file an insurance claim for two-wheeler insurance online?
No documents are required to file a claim of Go Digit two-wheeler insurance policy online. With Go Digit, all the claims are done online through their smartphone-enabled process. All you are required to do is inform the insurance company and a link will be forwarded on your registered mobile number. Shoot the damages caused your vehicle and select the option from cashless or reimbursement claim settlement.
3. How can I renew my existing two-wheeler insurance policy online with Go Digit General Insurance?
The process of renewal of existing two-wheeler insurance with Go Digit insurance is very simple. All you need to do is visit the two-wheeler insurance page, fill in your details such as make, model, variant and the date of registration of your vehicle. After filling in the required details and paying the premium, your policy will be renewed.
4. What is the maximum compensation that is offered as part of a third-party bike insurance policy?
The maximum compensation that is offered as part of a third-party bike insurance policy depends on the affected party. Personal damage to third party people is unlimited. Property damage to a third party is limited to INR 7.5 lakhs.
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