Go Digit Bike Insurance

Go Digit Bike Insurance Policy - Key Features

*Disclaimer: The details in the table above are for reference only. Please check the policy document for a better understanding.

Why Choose Go Digit Bike Insurance Policy?

Listed below are some reasons why you must opt for a Digit bike insurance policy:

• The insurer offers cashless repair at more than 4400 network garages across India.
• It lets you buy or renew your bike insurance online with just a few clicks.
• Enjoy the seamless process of paperless claims.
• It gives a range of add-on covers to customise your bike insurance policy.
• Get your two-wheeler insurance claims settled quickly without any hassle.
• Avail No Claim Bonus (NCB) discount of up to 50% for every claim-free year.
• Get coverage for your vehicle at a reasonable premium price.
• Benefit from 24*7 customer support facility.

Types of Go Digit Bike Insurance Policy

Go Digit General Insurance company has been offering a range of insurance products, including motor, health, travel, etc., to suit individual needs and preferences.

Listed below are the different types of bike insurance policies offered by the insurer:

1. Digit Two-Wheeler Stand-Alone Own Damage Policy

   This own-damage bike policy covers damages or losses caused to your two-wheeler due to theft, natural disasters, man-made incidents, accidents, burglary, and more. It is ideal for those who already have a liability-only policy but want additional protection for their own vehicle.

2. Digit Two-Wheeler Liability Only Policy

   Digit two-wheeler liability only policy provides financial protection against third-party liabilities and personal accident cover for the owner-driver. It is also known as a third-party bike insurance policy and comes with a duration of 1 year.

3. Digit Two-Wheeler Liability Only Policy - Long-Term

   Digit's long-term third-party bike insurance policy covers injuries to third parties and damage to their property caused by the insured two-wheeler. This policy is legally required and can be purchased for 2 or 3 years.

4. Digit Two-Wheeler Liability Only Policy - Long Term (5 Years)

   This bike insurance policy provides essential coverage for two-wheelers, focusing on liabilities towards third parties and personal accident cover for the owner-driver. It is available for a duration of 5 years.

5. Digit Two-Wheeler Policy - Bundled Policy

   Digit bundled bike insurance combines 1 year of own-damage (OD) coverage and extends liability-only protection for 5 years. This policy offers flexibility and is available for new two-wheeler owners.

6. Digit Two-Wheeler Package Policy

   It covers losses or damages to your two-wheeler and third-party liabilities and provides personal accident cover for the owner-driver. It is a comprehensive policy highly recommended for those who want full protection for their vehicle.

7. Digit Two-Wheeler Package Policy - Long Term

   The Digit two-wheeler package policy covers damage or loss to the insured vehicle, liability to third parties and provides Personal Accident (PA) cover for the owner-driver. It is also known as a comprehensive bike insurance policy and is available for either 2 or 3 years.

*Disclaimer: The list of inclusions and exclusions above are for informational purposes only. Check the policy wording for accurate details.

Depreciation Rates for Different Parts of a Bike

Take a look at the depreciation rates applicable to different parts of your bike:

• Rubber, Nylon or plastic parts (e.g., tyres, tubes, batteries, airbags): 50% depreciation
• Glass parts: No depreciation
• Paint material: 50% depreciation
• Fibreglass parts: 30% depreciation
• Wooden parts and all other components will follow the schedule mentioned in the policy document.

Depreciation Based on the Age of the Bike

On the basis of the bike’s age, depreciation rates are as follows:

*Disclaimer: The rates of depreciation above are for general purposes only. Please review the policy document for complete details.

Personal Accident (PA) Coverage for Bike Owners

Go Digit General Insurance Limited provides Personal Accident (PA) compensation of up to ₹15 lakh to the owner-driver of the insured vehicle in case of death or bodily injury resulting from a road accident. The compensation will be offered on the basis of the scale below:

Important Points to Consider Under Personal Accident (PA) Cover

Personal Accident (PA) compensation is paid only for any one of the conditions included in the table above and the total liability of the insurance provider will not exceed ₹15 lakh during a single policy period.

Additionally, the insurance company will not provide any compensation if the injury or death is caused by suicide, self-harm, accidents occurring while driving under the influence of alcohol, drugs or other intoxicants or any pre-existing physical defect.

How to Buy/Renew Go Digit Bike Insurance?

To buy or renew your Digit bike insurance policy online, follow the steps below:

• Step 1: Visit Policybazaar.com, place the cursor on the 'Insurance Products' menu at the top, and select 'Bike Insurance' from the drop-down list.
• Step 2: Enter the registration number of your two-wheeler in the required field and click on the 'View Prices' button. If you do not have a registration number or you have purchased a new bike, tap on the 'Bought a New Bike' option.
• Step 3: Proceed by making the appropriate selections, such as the bike's model & variant, manufacturer, city and RTO, etc., and pressing the 'View Plans' button.
• Step 4: Select the Digit bike insurance plan from the list of options.
• Step 5: Opt for either third-party coverage or comprehensive coverage.
• Step 6: Buy add-on covers, like the zero depreciation cover, roadside assistance cover, etc., along with the base bike insurance policy, if needed.
• Step 7: Complete the payment online, and you will receive your Digit two-wheeler insurance policy at your registered email ID.

How to File a Go Digit Bike Insurance Claim?

Have a glance at how you can file different bike insurance claims with your bike insurance provider:

1. For Theft Claims

   Listed below are the steps to raise a 2-wheeler insurance theft claim:

   • Step 1: File an FIR immediately at the nearest police station.
   • Step 2: Submit the First Information Report to the insurance company.
   • Step 3: A surveyor will be appointed to evaluate the incident.
   • Step 4: Inform the Regional Transport Office (RTO) about the theft incident.
   • Step 5: Submit the required documents to your insurer in support of your claim request.
   • Step 6: If your bike is not traced within a month, obtain an 'untraceable report' from the police to settle the claim.

2. For Accident Claims

   If the bike insurance claim is related to an accident, follow these steps:

   • Step 1: Inform the insurance company about the accident and fill out the claim form available on their website.
   • Step 2: An insurer-appointed surveyor will visit the accident site to analyse the extent of damages.
   • Step 3: Proceed further by submitting all the necessary documents to the insurer.
   • Step 4: For a cashless claim, get your two-wheeler repaired at any network garages and let your insurer pay the bill directly to the garage. Otherwise, you can get your bike repaired at any local garage, pay the repair bills upfront, and submit them to the insurance provider for reimbursement.

3. For Third-Party Claims

   Follow the steps below to raise third-party bike insurance claims:

   • Step 1: Notify your insurance company about the incident.
   • Step 2: If there are any court summons, submit them to the insurer.
   • Step 3: Fill and sign the claim form accurately.
   • Step 4: Submit the relevant documents in support of your claim request.
   • Step 5: The Tribunal court will decide after reviewing the case and specify on the claim payout amount.

Documents Required for Raising Go Digit Bike Insurance Claims

The documents required for filing different Digit two-wheeler insurance claims are as follows:

1. For Theft Claims

   If your bike is stolen, you will need the following documents while raising an insurance claim:

   • Filled and signed claim form
   • Police FIR
   • Two-wheeler insurance policy document
   • Original driving licence
   • Registration certificate of the bike, along with all original keys
   • A 'no-trace report' from the police confirming the bike cannot be found.

2. For Accident Claims

   Listed below are the documents needed for raising accidental 2-wheeler insurance claims:

   • Duly filled and signed claim form
   • Original Registration Certificate (RC) of the bike
   • First Information Report (FIR) & Motor Collision Report (MCR)
   • Photocopy of the initial two pages of your bike insurance policy
   • Driving Licence (DL) of the driver
   • Repair estimate
   • Original repair invoice and payment receipt (only repair invoice is required if your vehicle is repaired at an insurer's network garage).

3. For Third-Party Claims

   For third-party bike insurance claims, you will need the below-mentioned documents:

   • Claim form correctly filled and signed by the policyholder
   • First Information Report (FIR)
   • Bike's RC
   • Current two-wheeler insurance policy
   • Valid driving licence
   • Company stamp, only if the insured vehicle is registered under a company's name.