What is two wheeler insurance : Two-wheeler insurance or bike insurance is a type of insurance policy that protects you and your two-wheeler against damage caused by an accident, theft, fire or natural disaster.
What is two wheeler insurance
Apart from all this, you will also be protected from liabilities for injury or damage caused to a third party’s vehicle, property or person in an accident.A two-wheeler insurance covers different types of two-wheelers like motorcycles, mopeds, scooters, etc.
Why do you need two-wheeler insurance?
Sales of two-wheelers in India reached an all-time high by 2019, when India’s auto industry sold approximately 21 million vehicles. This figure is almost double the vehicle sales in 2011, when only 11.77 million two-wheelers were sold in India. This figure pertains only to the sales of two-wheeler vehicles in India!
Due to the increasing number of two-wheelers in cities, the possibility of accidents increases. Maybe also because, legally Third Party Bike Insurance It is necessary to take. With this in place, if you collide with a third party vehicle or someone else hits you, any damage or loss you suffer will be covered.
Two-Wheeler Insurance Online in India
Digit offers three types of bike insurance for two-wheelers. This ranges from comprehensive covers to standalone third party and Own Damage Bike Insurance Policy is available.
What’s the best thing about it? The comprehensive bike policy can be customized by choosing add-ons that protect your bike in all possible conditions. All of this can be found online in just a few minutes and we’ll take care of the rest!
What is covered in Digit’s two-wheeler insurance?
an accident
Damage or loss caused by any accident or collision
Theft
Unfortunately, losses due to two-wheeler theft
Fire
Damage caused to two-wheeler due to accidental fire
natural disaster
Damage caused to two-wheeler due to flood, cyclone and any such natural disaster
personal accident
If you get seriously injured in an accident, it covers you!
third party loss
In case your two-wheeler causes damage or loss to any other person or his vehicle or property
Add-on Cover with Digit Two-Wheeler Insurance
What can be purchased with a two-wheeler insurance policy Two-Wheeler Insurance Add-on
Zero depreciation cover
You can consider it as an effective anti-aging cream for your bike and its parts. Generally, the required amount of depreciation is taken into account during the claim. Although, Zero depreciation cover It takes care that no depreciation is taken into account during the claim and hence you get the full amount of the expenses incurred on any repairs/replacement of parts during the claim.
Return to Invoice Cover
This add-on comes in handy if your bike gets stolen or is damaged beyond repair. Return to Invoice We cover the cost of getting you the same or similar bike, including road tax and registration fees.
Engine and Gear-box Protection Cover
Do you know that the cost of replacing a bike’s engine is up to 40% of its price? In a standard two-wheeler insurance policy, only accidental damage is covered. Although, Engine and Gear-box Protection Add-on Cover With the help of this you can cover any possible damage to the life (engine and gear-box) of your two-wheeler in an accident.
consumable cover
consumable cover Your two-wheeler gets extra protection. In case of an accident, every essential part of your two-wheeler is covered like engine oil, screws, nuts and bolts, grease etc.
breakdown assistance
Roadside Assistance Add-on This ensures that we are always available to help you and your two-wheeler should a breakdown occur. The best thing about this is that this help will not be counted as a claim.
tire protect
Tire Protect Add-on Cover Only for vehicles equipped with run flat technology. It covers the cost of replacing damaged tires with identical or nearly identical tires, labor and wheel balancing. However, claims made under the add-on cover are subject to the conditions under the policy.
Daily Conveyance Benefit
Daily Conveyance Benefit In the add-on, the insuring company takes care that if the policy holder’s two-wheeler is in the garage for repairs, he gets a fixed allowance for daily commuting or a taxi operator’s coupon equal to the daily allowance. Be given.
What is not covered in the policy?
Along with knowing what is covered in your policy, it is also important to know what is not covered in it, so that whenever you make an insurance claim, you are not surprised to know these things. Here are some similar situations:
Own Damage for Third Party Policyholder
In case of third-party or liability only bike policy, damage caused to your vehicle will not be covered.
driving under the influence of alcohol or without a license
If you drink alcohol or drive without a license, you will not get any protection in your policy.
Driving without a valid driving license
If you have a learner’s license and there is no person sitting on the back seat of the two-wheeler who has a valid driving license, then your policy does not protect you.
resulting losses
Any loss which is not directly caused by the accident (for example, mishandling of a two-wheeler damaged after an accident and damage to the engine) consequential damage will be considered and will not be covered)
willful negligence
Due to willful negligence (for example, things prohibited by the manufacturer in its manual like driving a two-wheeler in flood will not be covered)
add-ons not purchased
Some situations are covered in the add-on itself. If you have not purchased any add-on, cover will not be available for the relevant condition.
Why should you buy two-wheeler insurance from Digit?
With us, your bike insurance not only comes with an easy claim process, but you also get the option to choose cashless settlement.
cashless repair
Cashless repair at a network of more than 4400+ garages across the country.
Self-examination with the help of smartphone
Faster and paperless claim process than self-check process with the help of smartphone.
Super fast claim
We settle two-wheeler claims in an average of 11 days
Customize your vehicle’s IDV to your liking
With us, you can customize your vehicle’s IDV to your liking!
24*7 support
24*7 call facility even on national holidays
Two Wheeler Insurance Market by Size, Region and Value from 2014 to 2024
Get exclusive insights into the growth and trends of India’s two-wheeler insurance market between 2014-2024. The market is divided into North, South, East and West zones.
Important features of Digit’s two-wheeler insurance
| important features | digit advantages |
| premium | Starting from ₹714 |
| no claim bonus | Up to 50% discount |
| Customizable add-ons | 7 add-ons available |
| cashless repair | Available on 4400+ garages |
| Claim Process | Claim process with the help of smartphone. Can be done online in just 7 minutes! |
| Own Damage Cover | Available |
| third party damage | Unlimited liability for personal injury, up to Rs 7.5 lakh for property/vehicle damage |
| Damage to third parties | Unlimited liability for personal injury, up to Rs 7.5 lakh for property/vehicle damage |
Two wheeler insurance plan to suit your needs
third party
Third party bike insurance is a commonly taken type of bike insurance. It covers loss or damage caused to a third person, his vehicle or property.
Comprehensive
Comprehensive Bike Insurance Very important bike insurance which covers both third party and own bike damage