Digit Two Wheeler Insurance Add on Covers

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Most people are more than happy with the Digit two wheeler insurance for their beloved two-wheeler, for they believe that it covers all their insurance needs. Does it?

Can't it be more comprehensive? Well, Digit General Insurance helps its policyholders to extend the coverage of their standard bike insurance policy with Digit bike insurance add-ons. Add-on covers are additional coverages that expand the basic coverage of a private bike insurance in return for an extra premium. However, there are some norms to be followed by the policyholder to get these coverages. 

One can easily avail of these Digit bike insurance add-ons online while applying for the policy. There are mainly 5 add-on covers offered by Digit General Insurance. Please note that these insurance add-on covers come at a negligible premium over & above one's basic insurance policy. But not to worry, it's not going to burn a hole in your pocket, and also, it's worth every penny! On this page, we have discussed them thoroughly.

Digit – 5 Important Add-on Covers For Your Two Wheeler Insurance Policy

If you are applying either for a standalone or Digit comprehensive bike insurance policy, only then do you add the following covers with your policy:

  • Zero Depreciation Cover

This Digit two-wheeler insurance add-on cover insures you against the depreciation rate applicable on your bike and its components parts of plastic and metals at 100% except for tyres, tubes, and batteries that are covered at 50%. The zero depreciation cover helps you receive a higher claim as a compensation amount and lets you free yourself from the liability against depreciation expense. For being a new bike owner, it is advisable to go for Digit zero dep bike insurance policy as it offers coverage against the default devaluation applicable on insured bikes and their parts, which helps you to get a higher claim in return. This Digit bike insurance add-on is available for bikes aged up to 5 years.

  • Engine Protection Cover

No two-wheeler insurance policy includes the damages to your insured bike's engine and gearbox. However, with Digit two-wheeler insurance add-ons, you can protect it by paying some extra premium. The engine protection cover does that for you. It offers coverage for the expenses that arise while repairing or replacing the insured bike's engine and its parts. It makes you able to get financial support from your Digit General Insurance company in case your bike's engine or its parts get damaged arising out of incidents of damage to the hydrostatic lock, damage to the bike's undercarriage, leakage of lubricant oil, water ingression, damages to the engine parts, such as the crankshaft, gearbox, cylinder, pistons, connecting rods, etc.

  • Return to Invoice Cover

This cover helps the policyholders to get the invoice price of their bike as compensation instead of the IDV (Insured Declared Value) in case of theft and total loss of their bike. The invoice price is the amount that a policyholder has paid during the purchasing of a bike. It includes the bike's ex-showroom price, road tax, and registration charges of the bike. This Digit bike insurance add-on cover is applicable only if the insured's vehicle is extremely damaged (more than 70%) and is not in usable condition. The cover is not applicable if there are only minor damages.

  • Roadside Assistance

Roadside Assistance add-on cover offered by Digit General Insurance for two-wheeler vehicles assists the policyholders in such situations where they need help on the road with their two-wheeler. This Digit two wheeler add-on cover offers many services to give the benefits, from getting policyholders their bike fixed on the spot to towing or taxi service to help them reach their destination. Digit General Insurance provides roadside assistance to anyone who has purchased this cover and is left anywhere within the 500 km of radius in the middle of the city.

  • Consumables Cover

At the time of claims, no standard two-wheeler insurance policy covered consumables like oil, nuts, bolts, etc., under it. With this Digit two wheeler insurance add-on cover,  one can save on all those consumables which could cost them a lot will be covered no matter how small or large they are. The consumable add-on covers expenses against consumables that are unfit for use in the future due to damage in an accident.

Digit Bike/Two Wheeler Insurance Add on Cover FAQs

  • 1. Can I opt for a single add-on with my Digit two wheeler insurance policy?

    Though Digit General Insurance offers add-on covers in bundles to optimize a customer’s policy coverage, you can request the insurer for a single add-on cover if you require that specifically.

  • 2. Who should purchase a Digit zero depreciation bike insurance?

    A person who has a new bike, an expensive bike, or a sports bike must purchase Digit zero depreciation cover add-on. Also, a person who lives in an accident-prone area should also expand their insurance policy with this add-on cover.

  • 3. Are there any terms and conditions for claiming and purchasing Digit bike insurance add-on covers?

    As mentioned above, all the conditions are to be applied while buying a specific Digit two wheeler insurance add-on cover. Also, for purchasing these covers, one should consider the following points.

    • The bike’s IDV
    • The carrying capacity of a bike should not be more than 2, including the driver
    • Imported bikes are not covered under these covers
  • 4. What are the factors considered before purchasing Digit bike insurance add-ons?

    Before purchasing Digit two-wheeler insurance add-ons, the following factors are considered:

    • Age of vehicle
    • Model of vehicle
    • Location of the policyholder's residence
  • 5. Is it compulsory to buy two wheeler insurance policy?

    Yes, a third-party insurance policy is mandatory to buy as per Motor Vehicles Act, 1988. You cannot ride your bike on Indian roads as it is illegal to ride without having a valid liability only policy. 

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