Digit Two-Wheeler Insurance

Key features

• ✓Smartphone-enabled self-inspection process
• ✓Paperless, digital-first policy issuance
• ✓Simple, jargon-free policy wording
• ✓Comprehensive, third-party, and standalone OD plans
• ✓Personal Accident cover for owner-driver up to ₹15 lakh
• ✓Pan-India cashless garage network
• ✓NCB up to 50%
• ✓Multiple add-ons including Zero Dep, Engine Protect, Return to Invoice

What’s included

• ✓Own damage from accident, collision
• ✓Theft of vehicle
• ✓Fire, explosion, self-ignition, lightning
• ✓Natural disasters (flood, earthquake, cyclone, hailstorm)
• ✓Man-made events (riot, strike, terrorism, malicious damage)
• ✓Third-party bodily injury, death, and property damage
• ✓Personal Accident cover for owner-driver
• ✓Transit damage by rail, road, air, water

What’s excluded

• ✕Wear and tear, depreciation, ageing
• ✕Mechanical or electrical breakdown
• ✕Driving under influence of alcohol or drugs
• ✕Driving without a valid licence
• ✕Consequential loss
• ✕Use of vehicle outside India
• ✕Use contrary to declared purpose

Eligibility

Min age

18 years

Covers

Self

Policy term

1-year comprehensive; 5-year long-term third-party mandatory for new bikes

IDV

Customisable IDV

NCB

20% / 25% / 35% / 45% / 50% tiered