Go Digit Comprehensive Bike Insurance

Key Features of Go Digit Comprehensive Bike Insurance

The below table showing the key features of Go Digit comprehensive bike insurance policy:

*Disclaimer: The above points are for illustration purposes only. For the exact coverage, please refer to the insurer's policy wordings, which are available on their official website.

Why Choose Go Digit Comprehensive Bike Insurance Policy?

A bike insurance offers sufficient financial assistance in the time of need.

Here are a few reasons explained below for choosing the Go Digit comprehensive bike insurance policy:

• Comprehensive Protection: The policy offers protection against various damages in a single policy, combining third-party bike insurance with an Go digit own-damage bike insurance policy.
• Financial Assistance: The policy would cover all the costs borne by the insured due to the vehicle's damage.
• Paperless Purchase: Go Digit comprehensive bike insurance policy offers paperless purchase which can be processed through the insured's smartphone.
• Cashless Claims Settlement: Enjoy cashless settlements with cashless repair services at the network garages.

Go Digit Comprehensive Bike Insurance Policy Inclusions

The following are the inclusions of the Go Digit comprehensive bike insurance policy:

• The policy provides coverage against all kinds of natural disasters, such as floods, earthquakes, hurricanes, etc.
• The policy offers coverage against all manmade disasters such as theft, fire, etc.
• It protects your bike against damages and covers third-party liabilities, including property damage under own-damage cover.
• The policy offers coverage against the loss caused by theft and total loss in an accident.

Go Digit Comprehensive Bike Insurance Policy Exclusions

The following are the exclusions of the Go Digit comprehensive bike insurance policy:

• If the damage to the bike is done by a rider driving under the influence of intoxicating substances such as alcohol or drugs, it won't be covered.
• The policy would not cover regular wear and tear caused to the bike.
• The policy would not protect against any mechanical or electrical failures incurred by the bike.
• The policy will not compensate for the loss unless the bike's tyres and tubes are damaged in an accident.
• If accidental damage to the bike happens due to a person's negligence in driving with an invalid driving license, the company will not provide coverage.
• If the insurer suspects any contractual damages, no coverage would be granted.

Go Digit Comprehensive Bike Insurance Insured Declared Value (IDV)

IDV, or Insured Declared Value, refers to the maximum payout determined by the insurance company. An IDV is represented as the current market value of your bike and is payable by the Insurer when the insured bike faces total loss or goes through an unrecoverable theft. However, it is calculated based on the information provided by IRDA, along with the depreciation applicable to your bike.

Go Digit Comprehensive Bike Insurance No Claim Bonus (NCB)

NCB, or No Claim Bonus, in Go Digit's comprehensive bike insurance policy, is a pre-determined reward for riding safely. Hence, it refers to the discount given for not raising any bike insurance claims in the previous policy period. With each claim-free year, it goes up to 50%. Remember, this NCB discount is transferable during the policy renewal or the purchase of a new bike, offering extra savings to the policyholders.

How to Buy Go Digit Comprehensive Bike Insurance Online?

Buying comprehensive bike insurance from Policybazaar Insurance Brokers Private Limited is easy. Follow the below procedure to get a copy at your registered email ID:

• Step 1: Visit Policybazaar.com and choose 'Bike Insurance' from the 'Insurance Products' drop-down menu at the top of the page.
• Step 2: Enter your bike details, including make, model, variants, and year of manufacture.
• Step 3: Next, you can compare different plans offered by Go Digit General Insurance Limited and choose one that meets your needs and budget.
• Step 4: You can customize your bike insurance coverage by choosing various add-on covers per your requirement.
• Step 5: Lastly, pay the premium online and get your Go Digit bike insurance policy copy at your registered email ID.

How to Claim Go Digit Comprehensive Bike Insurance Policy?

By following the below steps, you can raise Go Digit comprehensive bike insurance claims:

• Report Incident: First thing, inform the insurance company about the incident via call on customer support or file an online claim.
• Duly Fill the Claim Form: Next, download, fill it out, sign it, and submit the claim from online.
• Submit Documents: Submit all the required documents, such as valid Go Digit comprehensive bike insurance policy, RC of the bike, DL of the person riding the bike at the time of accident, etc.
• Assessment: The Insurer will send a surveyor to assess the damages caused to the insured bike.
• Bike Repairs: For cashless claims, send your bike to any of the network garages for repairs, and the Insurer will settle the bills directly with them. However, in case of reimbursement claims, send your bike to any of the nearest garages for repairs and pay the expenses amount from your own pocket. Later, the Insurer will reimburse it to your bank account.

FAQs About Go Digit Bike Insurance Policy