Digit’s Bike Insurance
What’s Covered in Two-Wheeler Insurance
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!
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
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 the engine and gear-box protection add-on cover, you can specifically cover 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: The add-on of consumable cover adds an additional shield to your two-wheeler. Covers the cost for all your bike’s nitty-gritties such as the engine oils, screws, nuts and bolts, grease, etc. in the event 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.
Tyre Protect: The tyre protect add-on cover is offered only to vehicles fitted with run flat technology. As part of it, the cost of replacing damaged tyres with equivalent or near equivalent to the one being used in the vehicle, labour and wheel balancing charges can be reimbursed. However, claims made under the add-on cover is subject to conditions set forth under the vehicle insurance policy.
Daily Conveyance Benefit: The add-on cover of daily conveyance benefit will ensure that you are compensated for your transportation cost during the period when two-wheeler is under repair subject to applicable time excess. A policyholder can be compensated in the form of fixed allowance per day or coupons from taxi operators from an amount equal to per day fixed allowance.
What’s not Covered.
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.
Download Brochure
Starting from ₹714
Up to 50% Discount
7 Add-ons available
Available at 4400+ Garages
Smartphone-enabled Claim process. Can be done online within 7 minutes!
Available
Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages