Digit Third-Party Bike Insurance Policy

With the rising number of automobile purchases in India, the number of accidents has also significantly gone up. With these facts in mind, third-party insurance is mandatory as per the Motor Vehicles Act. So, if you are a bike owner, you have to get your bike insured with third-party insurance. Third-party insurance covers the third-party financial and legal liability that might arise in an accident involving your bike.

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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 insurance plan 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

Third-Party Bike Insurance

Comprehensive Bike Insurance

It provides coverage for damages caused to a third party by your bike in an accident or collision

It provides coverage for damages caused to a third party and covers damages caused to the insured bike as well

Premium costs are lower as compared to a comprehensive cover

Premium costs are higher because it covers you from more unfortunate events than a third-party plan covers

 

This does not provide coverage for damages caused by natural disasters (floods, earthquakes, storms), theft, fire, riots, etc.

It provides coverage if damages are caused by natural disasters (floods, earthquakes, storms), theft, fire, riots, etc.

It is mandatory to have third-party insurance cover

It is not mandatory to have comprehensive bike insurance cover

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 policy 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

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Digit Third-Party Bike Insurance Policy Reviews & Ratings

4.8 / 5 (Based on 29 Reviews)
(Showing Newest 10 reviews)
Lakshay
Bhopal, August 18, 2021
Papereless claim settlement
I found my plan according to my need from policy bazaar. after comparing a lot of plans, i got the Digit General insurance policy. i bought it because they are giving me paperless claim settlement and great coverage with easy online process. company assured that their customer will get 24*7 customer service with satisfaction.
Vimlendra
Delhi, June 04, 2021
Easy to pay
It is very easy to make the payment of premium of digit car insurance plan. I did it online and that was simple and quick. Also, I like the transparency. It is one of the best plan I had bought.
Gopal
Navada, June 04, 2021
Compare and buy
I always compare and buy the two wheeler insurance plan and I did it on the website of the policybazaar. It is easy and subtle to compare and I have also got the best digit two wheeler insurance plan.
Mannu
Shikohabad, June 04, 2021
No claim bonus certificate
I have got the no claim bonus certificate from the website of the Policybazaar. I have the plan of Digit two wheeler insurance and it is really good. I did not filed for a claim last year and thats why I have got the no claim bonus certificate this year.
Aryan
J. P. Nagar, July 02, 2020
NCB
It helps me in getting a NCB easily. I just call the custoer care team and they helped me in getting the same.
Adarsh
Vadakara, July 01, 2020
Great customer care
The customer care team of policybazaar is very nice and helps in resolving the complaints.
Armaan
Agalpur, June 30, 2020
Compare and buy
I went to the website of policybazaar and compared the plans with policybazaar. It was easy and I researched on every plan.
Yaman
Digboi, June 29, 2020
Good plans
I avail a very good plan of two wheeler insurance. It was a great decision to get it done from policybazaar.
Rakshit
Iglas, June 29, 2020
Great sales team
The sales team of policybazaar is quite good genuine. They helped me in getting a good quotation of two wheeler insurance. Thanks a lot team.
Anuj
Echoda, June 21, 2020
Add on covers
You can avail and can add on the covers according to yourself while you can speak to the sales people. They will help you in the same.