Digit Bike Insurance FAQs

No document is needed for buying the Digit third party bike insurance policy online. The insurer just requires the registration number of your bike and the policy number of your previous insurance policy, if any.

Yes, the Digit third party bike insurance policy provides coverage for the pillion rider or the passenger on the backseat.

Digit third party bike insurance policy will provide coverage for the accident of the insured’s bike beyond the city limits if the location of the accident falls within the predecided geographical area.

No, Digit third party bike insurance policy provides the basic coverage only for the third party. The insured does not get compensated for the theft of the insured’s bike under this policy.

The factors that influence the premium amount of the Digit comprehensive bike insurance policy are as follows:

• Insured Declared Value (IDV)
• Add-On Covers
• Tenure of the policy
• Deductibles
• Make and model of the bike
• Age of the insured’s bike

The sum assured for Digit comprehensive bike insurance policy is calculated by the Insured Declared Value (IDV) of the insured’s bike.

You can reduce the premium for your Digit comprehensive bike insurance policy in the following ways:

• By increasing your Voluntary Deductible
• Maintaining a good riding record
• By renewing your policy on time
• Using the No Claim Bonus (if any)
• Selecting relevant add-ons.

You can get the quotes for Digit through its official website. You can also opt to get the quote through Insurance Dekho just by entering the bike registration number on its “Get a Quote” feature.

Yes, you can avail the Zero Depreciation cover for a secondhand bike provided its age does not exceed 5 years. An inspection may be conducted by the company before including this add-on to your policy.

The Digit Zero Depreciation cover will only provide coverage within the predetermined geographical zone. The insurer will not bear the expense of any damage incurred by the insured’s bike outside the geographical area.

Yes, you need to renew the Zero Depreciation cover every time you renew your Digit comprehensive bike insurance policy provided it satisfies the conditions of Zero Depreciation cover at the time of renewal.

Yes, if you avail the Digit Zero Depreciation cover, then the insurance company provides free of cost repair of the rubber bike parts up to 2 claims in the network garages.

Yes, you can transfer your No Claim Bonus from your old insurer to Digit General Insurance to avail the benefits provided no claim was made in the policy tenure.

The following factors are considered at the time of renewal of the Digit bike insurance policy:

• Age and condition of the bike at the time of renewal.
• Availability of No-Claim Bonus.
• Number of add-on covers opted along with the insurance plan.
• Desired tenure of the policyholder.

Yes, you can opt for consumable cover along with your policy at the time of the renewal of the Digit bike insurance policy. However, the charges for the cover will be added to the premium of the policy.

Yes, you can renew the Digit bike insurance policy even if you don’t have the documents at the time of renewal. You just need to give the registration number of the bike to renew your policy.

Factors that influence the premium amount of a Digit bike insurance policy are Insured Declared Value (IDV), Anti-theft Devices, No Claim Bonus (NCB), Engine Cubic Capacity, Age of the Bike, Year of Registration, Add-on options, etc.

The bike insurance premium calculator can help you in finding the right premium cost for bike insurance plans and IDV offered for the insured bike, which is provided by different insurance companies in the market. With this type of information, you can easily opt for an affordable insurance policy and make wise decisions related to bike insurance.

No, the premium calculator calculates and displays the amount of premium and IDV for new as well as old bikes.

You need to enter details like make, model and variant of the bike, fuel type of the bike, RTO location of the bike, engine capacity of the bike, registration year of the bike, and so on, on the premium calculator to get the premium costs provided by different insurance companies.

You can easily get the best premium calculator to reckon the premium amount and IDV for your insurance policy at the official website of InsuranceDekho, i.e., www.insurancedekho.com.

Digit bike insurance plans are available with different add-on covers which comprise zero depreciation cover, return to invoice cover, breakdown assistance cover, consumable cover, engine and gearbox protection cover, tyre protection cover, and daily conveyance benefit.

You can buy an add-on cover either during the time of purchase or renewal of your bike insurance plan.

No, it is not mandatory to buy an add-on cover and to include it in your bike insurance plan. It is designed to increase the coverage of your policy, therefore, if you feel that your insurance plan’s coverage is less, then only you should opt for it.

Yes, you will have to pay for an additional premium cost to buy and avail an add-on insurance cover.

No, there is no limit ascertained to include add-on covers in the bike insurance plan and you can opt for as many add-on covers as you wish.

Yes, bike insurance policies, including those from Digit, can be transferred to the new owner. You'll need to inform Digit and provide necessary documentation for the transfer.

To file a claim, notify Digit immediately after an incident, submit the required documents, and follow the claim process as guided by Digit. For minor damages, they offer a smartphone-enabled self-inspection process.

Exclusions typically include general wear and tear, mechanical/electrical breakdowns, damages under the influence of intoxicants, riding without a valid license, and damages due to illegal activities.

Claim settlement time can vary, but Digit aims for quick resolution. For minor damages, the smartphone-enabled self-inspection can expedite the process.

Yes, Digit offers various discounts like a No Claim Bonus for claim-free years, and sometimes discounts for installing anti-theft devices.

Digit Insurance can be contacted through their customer support number, email, or via their website. They may also offer support through live chat and social media platforms.

Policy modifications or cancellations can usually be processed online through Digit’s website or by contacting their customer support.