Digit Third-Party Bike Insurance

The Digit third-party bike insurance policy helps the policyholder financially if an accident or collision has occurred involving your bike, which has caused damages to the third party such as damage to the property, injuries, death, etc. The Digit third-party bike insurance policy also provides you a personal accident cover as an add-on feature.

Digit Third-Party Bike Insurance Policy vs. Comprehensive Bike Insurance

A two-wheeler third-party insurance policy has limited coverage. It covers only damages caused to the third party. In contrast, a comprehensive cover plan offers much more coverage. It covers your damages, your injuries, as well as the third party's damages, injuries, and even death. A comprehensive plan also provides coverage in case of theft, riots, fire, natural disasters (floods, earthquakes, and storms), etc.

However, a comprehensive plan is not mandatory, but a third party bike insurance is compulsory under the Motor Vehicles Act. The Digit third-party insurance allows you to add personal accident cover if you already have a third-party cover. This add-on cover policy will cover damages caused to you in an accident.

Digit Third-Party Bike Insurance Policy vs. Comprehensive Bike Insurance

What is covered under the Digit Third-Party Bike Insurance Policy?

Although a third-party insurance policy is mandatory, you must know what it covers. The Digit third-party bike insurance policy covers:

• Damages caused to the Third Party– If the third party is injured in an accident, all his or her medical costs will be taken care of.
• Property Damage– If someone's house, vehicle, or property is damaged, that loss will also be covered.
• Damage to Owner-driver– In case of your death or injury, this plan can protect you or your family by providing sufficient coverage.

What is not covered by Digit Third-Party Bike Insurance Policy?

It is crucial to know what your third-party policy does not cover. The Digit Third-Party Bike Insurance Policy does not cover:

• This bike insurance will not cover the damages caused to your bike in an accident
• This policy will not cover if an accident has occurred and you were drunk while riding
• This policy will not cover if an accident has occurred and you were riding without a driving license
• This policy will not cover if you are a learner's license holder and you were riding without someone sitting in the passenger seat who has a valid driving license