Digit Two Wheeler Insurance

usp icon

Cashless Garages

For Repair

usp icon

Zero Paperwork

Required

usp icon

24*7 Claims

Support

Get Instant Policy in Minutes*
search
Agent Name:
State:
SP Name:
SP Code:

I agree to the  Terms & Conditions

It's a brand new bike
background-illustration

What’s Covered in Two Wheeler Insurance by Digit?

Bike Accident

Accidents

Damages and losses that may arise due to an accident or collision

Bike Theft

Theft

Covers for your losses in case your two-wheeler is unfortunately stolen!

Bike got fire

Fire

Damages and losses to your two-wheeler in case of an accidental fire!

Natural Disaster

Natural Disasters

Damages caused to your two-wheeler due to nature’s many furies, such as due to floods, cyclones, etc.

Personal Accident

Personal Accident

Covers for your expenses in cases where you’ve hurt yourself too bad!

Third Party Losses

Third Party Losses

When a person, a vehicle or a property is hurt or damaged due to your bike's actions.

Add-on Covers with Digit Two Wheeler Insurance

Two wheeler insurance add-ons which you can buy with your Two Wheeler insurance policy

Zero Depreciation Cover

Think of it like an effective anti-ageing cream for your bike and its parts. Usually, the required depreciation amount is always taken in account during claims. However, a zero-depreciation cover ensures no depreciation is taken into consideration, so you get the full value of the cost of repair/replacement during claims.

Return to Invoice Cover

If you fall into a situation where your bike is stolen or damages beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike- including the road tax and registration fees for the same.

Engine & Gear-box Protection Cover

Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard two-wheeler insurance policy, only damages caused during the accident are covered. However, with this add-on, you can specifically also cover for the life of your vehicle (the engine and gearbox!) for any consequential damages caused post the accident. This could happen due to water regression, leakage of lubricating oil, and undercarriage damages.

Consumable Cover

Consumable cover adds an additional shield to your two-wheeler. Covers costs for all your bike’s nitty-gritties too, such as the engine oils, screws, nuts and bolts, grease, etc. in a situation of an accident.

Breakdown Assistance

The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.

What’s not Covered

It is equally important to know what’s not covered in your two-wheeler insurance policy, so that there are no surprises when you make a claim. Here are some such situations:

Own Damages for Third-Party Policy holder

In the case of a Third-Party or Liability Only Bike Policy, damages to own vehicle won’t be covered. 

Drunk Riding or without a Licence

Your bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.

Driving without a valid Driving Licence holder

If you hold a learner’s licence and were riding your two-wheeler without a valid licence-holder on the pillion seat- then your claim in those situations won’t be covered.

Consequential Damages

Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged two-wheeler is being used incorrectly and the engine gets damaged, it is considered as consequential damage and it will not be covered)

Contributory Negligences

Any contributory negligence(e.g. damage due to driving a two-wheeler in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)

Add-ons not Bought

Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.