Digit Two Wheeler Insurance FAQs

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.

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.

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.

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.

Digit has gained the trust of more than 2 crores of customers by shielding them against the legal liabilities as well as the financial liabilities towards the third-party. 

For Digit bike insurance policy renewal, the policyholder will be asked to enter the following details in the renewal form:

• Name (as on official documents)
• Contact number and e-mail id
• Vehicle registration number
• Policy number of the insurance bike

There are two broad categories of reasons for bike insurance renewal Digit can be declined – either your personal details or your bike itself. Your personal details may change from your address to age, your driving experience, and the amount of excess you are willing to bear. Your bike is also assigned some risks based on its value, the speed it produces, and the probability of it being involved in a claim.

Following are some of the common reasons for the rejection of your Digit bike insurance renewal:

• Imported bike model
• The driver is not so experienced
• Theft or fraudulent prone area where you reside
• Modified bike
• You being associated with motoring offenses in the past

You can find your Digit bike insurance renewal’s due date in the policy documentation provided by the insurer. You can also call the company and place a request for the same.

No claim bonus is essential when applying for Digit two-wheeler insurance renewal as one gets discounts that can range between 20% to 50% based bike type and the number of years for which no claim has been made.

The Digit two-wheeler insurance claim settlement ratio is approximately 97%.

If you have purchased Digit comprehensive insurance, then you can claim your insurance if your bike is damaged in the riots.

The claim amount in case of third-party loss is evaluated by the court of law. 

In case of theft of an insured vehicle, a copy of the FIR is compulsory while claiming the insurance amount.

For the first no claim year, you may get a discount of 20%. This can rise up to 50% if you don’t raise a claim for five consecutive years.

Yes, the copy of the Digit two-wheeler insurance policy contains the details regarding no-claim bonus.

The following details are provided in the Digit bike insurance policy:

• Name, age, contact details of the policyholder
• Policy number
• Type of policy
• Terms and conditions of the insurance policy
• Inclusions and exclusions
• Sum assured details
• No-claim bonus details
• Details of the add-ons, if any
• Insured Declared Value (IDV) details
• Grievance process
• Expiry and renewal date

You can download Digit two-wheeler insurance policy as many times as you want.

You need only a registered mobile number and your policy number for Digit bike policy download.

Driving without a policy document can cause you to pay a heavy fine of INR 2,000 and imprisonment of up to 3 months.

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.

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.

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

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

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. 

Any two-wheeler owner whose vehicle is registered with their name in the Regional Transport Authority of India is eligible to buy the Digit comprehensive bike insurance.

You can extend the Digit two-wheeler comprehensive insurance to cover the additional risks by paying the extra premium.

The cost of the Digit comprehensive bike insurance policy depends on:

• Cubic capacity
• Insured Declared Value
• Age of the vehicle
• Model of vehicle
• Add on covers
• Geographical zone

Yes, you can easily renew your Digit comprehensive two-wheeler insurance online by visiting the website of Digit products and filling the form with asked details.

While filing your Digit comprehensive bike insurance claim, you have to submit these documents-

• A duly filled claim form
• Copy of FIR 
• Receipt of the premium paid
• Copy of Digit comprehensive bike insurance policy
• Registration certificate
• Bills and repair proof
• Driving licence

Digit bike insurance claim settlement ratio is 97%.

Any person who owns a bike that is registered with the Regional Transport Authority of India with their name is eligible to purchase the Digit third-party bike insurance.

The cost of the Digit third-party two-wheeler insurance policy depends upon the following factors:

• Insured Declared Value of bike (IDV)
• Age of your bike
• Bike's cubic capacity 
• Bike model
• Add-on covers
• Location of insured

While filing your Digit third-party bike insurance claim, the insurer will expect you to show the following documents-

• Claim form duly filled
• Receipt of the premium paid
• Registration Certificate (RC) of your bike
• FIR copy
• Original bills with stamp by garage
• Copy of Digit third-party bike insurance policy
• Owner's Driving Licence

To make a claim for Digit third-party bike insurance, you first need to inform the insurer about the accident that happened. Then, provide every minute detail to them. Then follow the instructions they provide you to deal with the third-party for claim settlement.

Though this add-on is highly recommended for new bikes, however, as your second-hand bike is only three years old, which is less than 5 years, you can opt for zero depreciation bike insurance Digit. 

No, with a third party insurance policy, no Digit two-wheeler zero depreciation insurance add-on is available.

A person who has a new bike, a sports bike, or an expensive two-wheeler, must purchase Digit zero depreciation cover add-on. Those who live in accident-prone areas should also opt for this cover.

The only condition that allows you to buy a Digit zero-depreciation bike insurance cover is that you must have a comprehensive bike insurance policy. The second one is your bike’s age. It should not be older than five years

Digit General Insurance has successfully settled 97% of the claims with its 2200+ network garages. 

No, it is not mandatory to buy the Digit standalone bike insurance. As per the Indian traffic rule, every two-wheeler owner must have at least third-party insurance.

The cost of the Digit standalone bike insurance policy depends upon the following factors:

• Your bike's IDV (Insured Declared Value)
• Your bike's cubic capacity
• Age of the bike
• Model of bike
• Add-on covers you availing
• Geographical location of insured

For that, you need to inform your insurance company that you have met with an accident and let them know about any loss or damage or injury. Provide all the relevant information. The insurer will examine all the evidence provided by you to settle the claim accordingly.

Digit standalone two-wheeler insurance policy covers towing charges of up to INR 300 from the place of accident to the workshop.