In today’s fast-moving world, having a bike or scooter is very common. But along with convenience, it also brings risks like accidents, theft, and damage. That’s why two-wheeler insurance is very important.
Go Digit Two Wheeler Insurance is one of the most popular insurance options in India. It is known for its simple process, affordable price, and quick claim service. In this blog, you will learn everything about Digit bike insurance in very easy language.
🚲 What is Go Digit Two Wheeler Insurance?
Go Digit Two Wheeler Insurance is a type of insurance policy that protects your bike or scooter from financial loss. It covers damages caused by accidents, theft, fire, natural disasters, and third-party liabilities.
You can easily buy or renew this policy online without any paperwork.
📦 Types of Go Digit Two Wheeler Insurance
1. Third-Party Insurance
- This is mandatory by law in India
- Covers damage caused to another person, vehicle, or property
- Does NOT cover your own bike damage
👉 Example:
If your bike hits another vehicle, the repair cost of the other vehicle will be covered.
2. Own Damage Insurance
- Covers damage to your own bike
- Includes accidents, theft, fire, etc.
👉 Example:
If your bike gets damaged in an accident, the insurance will pay for repairs.
3. Comprehensive Insurance
- Covers both third-party + own damage
- Most recommended plan
👉 Example:
If your bike is stolen and also causes damage to someone else’s property, both will be covered.
4. Long-Term Insurance
- Covers your bike for 2 to 5 years
- Saves time and protects from yearly renewal hassle
⭐ Features of Go Digit Two Wheeler Insurance
- ✔ 100% online process
- ✔ Paperless documentation
- ✔ Quick claim settlement
- ✔ Cashless repairs at network garages
- ✔ 24×7 customer support
- ✔ Easy policy renewal
- ✔ Smartphone-enabled claims
💡 Benefits of Choosing Digit Bike Insurance
1. Affordable Premium
Digit offers insurance at a very low cost, sometimes starting from just a few rupees per day.
2. No Claim Bonus (NCB)
- You get a discount for not making any claim
- Can go up to 50%
3. Wide Network Garages
- Thousands of garages available
- Cashless repair facility
4. Quick Claim Process
- Claims are processed faster
- Self-inspection option available
5. Customizable Plans
- Add extra protection using add-ons
🔧 Add-On Covers (Extra Protection)
Add-ons are extra features you can add to your insurance plan.
🔹 Zero Depreciation Cover
- Full claim without deduction for depreciation
🔹 Engine Protection Cover
- Covers engine damage due to water or oil leakage
🔹 Roadside Assistance
- Help during breakdown
- Includes towing, fuel delivery, etc.
🔹 Consumables Cover
- Covers small parts like nuts, bolts, oil
🔹 Return to Invoice Cover
- Get full invoice value if bike is stolen or totally damaged
📌 What is Covered?
Go Digit Two Wheeler Insurance covers:
- ✔ Road accidents
- ✔ Theft of bike
- ✔ Fire damage
- ✔ Natural disasters (flood, earthquake, storm)
- ✔ Man-made disasters (riots, vandalism)
- ✔ Third-party liabilities
❌ What is NOT Covered?
- ❌ Driving without license
- ❌ Drunk driving
- ❌ Wear and tear
- ❌ Mechanical breakdown
- ❌ Damage due to negligence
🧾 Premium Calculation Example
Let’s understand how premium works with a simple example.
📊 Example
- Bike Value (IDV): ₹80,000
- Base Premium: ₹1,200
- Add-ons: ₹500
- NCB Discount: 20%
🧮 Calculation
- Total Premium before discount = ₹1,700
- NCB Discount (20%) = ₹340
- Final Premium = ₹1,700 – ₹340 = ₹1,360
👉 So, you pay ₹1,360 per year for insurance.
🛠️ Claim Process (Step-by-Step)
Filing a claim with Digit is very simple.
Step 1: Inform the Company
- Report the claim online or via app
Step 2: Self-Inspection
- Upload photos of damage using your phone
Step 3: Get Approval
- Company verifies and approves claim
Step 4: Repair
- Take your bike to a network garage
Step 5: Payment
- Cashless payment (you pay little or nothing)
⚖️ Pros and Cons
✅ Pros
- Easy online process
- Affordable pricing
- Fast claim settlement
- Good customer support
- Flexible add-ons
❌ Cons
- Some add-ons increase cost
- Not all garages may be available in small towns
🆚 Comparison with Other Insurance Companies
| Feature | Digit | Other Companies |
| Online Process | Very Easy | Moderate |
| Claim Speed | Fast | Medium |
| Premium Cost | Low | Medium |
| Add-ons | Flexible | Limited |
| Customer Experience | Good | Average |
👨🔧 Real-Life Example
Rahul owns a bike worth ₹70,000. One day, his bike slipped on a wet road and got damaged.
- Repair cost: ₹15,000
- Rahul had comprehensive insurance with zero depreciation
👉 Result:
- Insurance paid almost full amount
- Rahul paid very little
This shows how useful insurance can be.
🛒 How to Buy Go Digit Two Wheeler Insurance
Follow these simple steps:
- Visit the official website
- Enter your bike details
- Choose plan (third-party or comprehensive)
- Select add-ons
- Make payment
- Get policy instantly
🔄 How to Renew Policy
- Visit website
- Enter policy number
- Check details
- Pay renewal amount
👉 Renewal takes just a few minutes.
📌 Tips to Save Money on Insurance
- Choose higher deductible
- Avoid small claims
- Use No Claim Bonus
- Compare plans
- Add only needed add-ons
❓ FAQs
1. Is Go Digit bike insurance good?
Yes, it is affordable, easy to use, and offers fast claim settlement.
2. Can I buy insurance online?
Yes, you can buy it completely online without paperwork.
3. What is the best plan?
Comprehensive plan is the best for full protection.
4. How long does claim take?
Claims are usually processed quickly, sometimes within days.
5. Is add-on necessary?
Not mandatory, but useful for extra protection.
Also Read: LIC Term Insurance – Complete Guide for All
🏁 Conclusion
Go Digit Two Wheeler Insurance is a smart choice for bike owners who want simple, affordable, and reliable protection. It offers a smooth online process, quick claims, and useful add-ons.
If you want peace of mind while riding your bike, choosing the right insurance plan is very important. Digit makes this process easy and stress-free.