Digit Third Party Bike Insurance

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Having at least a third-party insurance policy is compulsory in India if you own a bike and drive it on the road. It is as essential as carrying a driving licence. Now, why it's mandatory to have it? First, it protects you against any financial expenses that arise due to an accident and has caused a third-party person or property to be lost. It's an easy way to be free from any third-party liabilities caused due to your bike. So, suppose you are a bike owner or any other two-wheeler owner. In that case, it is advised you to go for Digit third-party bike insurance policy to safeguard yourself from any third-party liabilities. Let's discuss the process of availing of the bike insurance.

How does Digit Third Party Two Wheeler Insurance Policy Work?

Without a third-party two-wheeler insurance policy, you simply can't do. It will violate the law. It's illegal to travel on your bike without it, and it can land you in trouble if you don't have it. A third-party policy of Digit bike insurance is basically a cover under which all expenses arising from an accident and has caused damage to any third party. It can be a third-party person, property, or even another vehicle itself. 

So, suppose you want to be a good person in the eyes of the law or have the desire to safeguard yourself from highly possible, unexpected, and super unfortunate expenses. In that case, you should immediately purchase an insurance policy that offers coverages for third-party loss and damages. If there is any damage to your vehicle or injury to your two-wheeler passengers, the Insurance company will not cover that.

Digit Third Party Two Wheeler Insurance vs. Comprehensive Two Wheeler Insurance

BasisDigit Bike Third Party InsuranceDigit Bike Comprehensive Insurance
CoverageCovers third-party liabilities only.Covers third-party liabilities as well as own damage of the insured vehicle. 
Add-onsNo add-on covers are available. A number of add-on covers are available with a comprehensive policy. 
CostCheaper than comprehensive policy.Costlier than third-party policy as it offers protection to more coverage. 
Mandatory by LawYes, bikers must carry.No, it is not mandatory to buy this policy.

How to Buy Digit Third Party Two Wheeler Insurance Policy? 

A two-wheeler owner can buy the Digit bike third-party insurance online by following the below-mentioned steps:

  • Visit the official portal of Digit General Insurance.
  • To avail of the Digit 3rd party bike insurance online, click on 'Motor Insurance' from the main menu. 
  • Select 'two-wheeler/bike' insurance from the window appeared.
  • Fill in the form with details such as the make and model variant of the bike, city of purchase, date of purchase, your mobile number and email ID, and existing policy declared value (if any).
  • Select the premium 'Third Party' and pay the premium as prescribed.
  • Payment can be made online, such as through net banking, credit card, or debit card.

What All is Covered Under Digit Third Party Two Wheeler Insurance Policy? 

Digit third-party bike insurance policy covers the following risks:

  • Death of or any bodily injury to a third party.
  • Damage and loss of third party property and vehicle.

What All is not Covered Under Digit Third Party Two Wheeler Insurance Policy?

Digit third-party bike insurance policy does not cover the following:

  • Own damages
  • Drunk driving
  • Driver below 18 years of age
  • Driver without valid driving licence/policy
  • Normal wear and tear
  • Electrical and mechnical breakdown
  • Damages occured outside geographical location
  • Private vehicle used for commercial purposes

 

Key Benefits of Purchasing Digit Third Party Two Wheeler Insurance

Digit two-wheeler third-party insurance policy provides several benefits to the policyholders, including

  • Active customer assistance for financial and legal help involving your bike. 
  • 24x7 helpline facility in case of an unforeseen event involving your bike.
  • Easy and convenient purchasing process of Digit third-party two-wheeler insurance online.
  • The hassle-free claim settlement. 
  • Beneficial services like free repair and replacement. 

Digit Third Party Two Wheeler Insurance Review

The Digit third-party bike insurance is very handy and well versed. With Digit, you will feel completely satisfied with the policy, its process, and the support they offer. Their highly reliable and easy claim settlement process makes your insurance journey hassle-free affair. 

Digit Third-party Bike Insurance FAQs

  • 1. What is the claim settlement ratio of Digit General Insurance?

    Digit bike insurance claim settlement ratio is 97%.

  • 2. Who can take the Digit third-party bike insurance policy?

    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.

  • 3. What are the factors that affect the cost of Digit third-party two-wheeler 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
  • 4. What documents are required for lodging a claim for Digit third-party bike insurance?

    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
  • 5. What is the claim process of Digit third-party bike insurance?

    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.

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