Two-Wheeler Comprehensive Insurances

What is Two Wheeler Insurance?
Two wheeler insurance, or bike insurance, is an insurance policy that helps you to cover against damages that may happen to both you and to your two-wheeler due to events like accidents, thefts, fires, or natural disasters. You will also get protection against liabilities arising due to damages to any third-party vehicle, property or person. A two-wheeler insurance covers different types of two-wheelers, like motorcycles, mopeds, scooters and more.

Why do you need Two Wheeler Insurance?
Two-wheeler sales in India reached an all-time high as of 2019, when India's auto industry sold some 21 million units. This figure is almost double the 2011 sales, when just 11.77 million two-wheeler units were sold in India. This data alone speaks for the volumes of two-wheelers in India! (1)

With so many two-wheelers muddling across cities, accidents are prone to happen. Perhaps that's why, at least having a Third-Party Bike Insurance is mandatory by law. This way, if you run into a third-party vehicle or someone bumps into you, you will be covered against any damages and losses caused.

Digit provides two-wheelers with three kinds of bike insurance policies. From the complete Comprehensive Cover to standalone Third-Party and
Own Damage Bike Insurance Policies as well.

The best part? Comprehensive Bike Policies can further be customized by opting for add-ons that help protect your bike in all possible situations. All this within just a few minutes to spare online, and we'll take care of the rest!

What's Covered in Two Wheeler Insurance by Digit?

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

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

Fire
Damages and losses to your two-wheeler in case of an accidental fire!
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Natural Disasters
Damages caused to your two-wheeler due to nature's many furies, such as due to floods, cyclones, etc.

Personal Accident
Covers for your expenses in cases where you've hurt yourself too bad!

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 Negligence
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.

Why Choose Two Wheeler Insurance by Digit?
Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement

Cashless Repairs
1000+ Cashless Network Garages for you to choose from across India
80% Advance Payment for Repairs
If you can't find any cashless garages nearby, we will pay 80% Advance payment to the garage of your choice.

Smartphone-enabled Self Inspection
Quick and Paperless claims process through a Smartphone-enabled self-inspection process

Super-fast Claims
Average turn around time for two-wheeler claims is 11 days

High IDV per rupee
With us, you can customize your IDV as per your choice!

Third Party
A Third-party Bike Insurance is one of the most common types of bike insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.

Comprehensive
A Comprehensive Bike Insurance is one of the most valuable types of bike insurance that covers both third-party liabilities and damages to your own bike as well.

Third Party
Comprehensive
Damages/Losses to own two-wheeler due to an accident
Damages to Third-Party Vehicle
Damages to Third-Party Property
Personal Accident Cover
Injuries/Death of a Third-Party Person
Theft of your scooter or bike
Customize your IDV
Extra protection with customized add-ons