Comprehensive Bike Insurance

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Comprehensive Two Wheeler Insurance Explained

We know you love your bike and probably only bought it after quite a lot of thought, research, planning, budgeting, enquiries, and suggestions.  You now have the bike of your dreams; don’t you want to safeguard both your bike and your pocket?

Get your bike insured and enjoy those thrilling road trips. We’ll guide you through everything you need to know about the right bike insurance and the required add-ons that’ll protect you at its best. 

What is Comprehensive Bike Insurance?

A comprehensive bike insurance policy will provide you with extensive coverage for all kinds of unforeseen events so that you can have a completely hassle-free drive. It is a combination of third-party liability insurance and own-damage cover. 

What is covered?

  • Covers accidental damage to your bike or third party
  • Coverage against any theft, loss, and damage
  • Any damages caused by natural calamities 

Importance of IDV when choosing the bike insurance policy

IDV is Insured Declared Value, it is the maximum amount your insurer will give you, in case your bike is stolen or damaged beyond repair.  We know low premiums are luring but it will not give you maximum financial benefit.

Always check the IDV you are being offered and not just the premium. We suggest you choose higher IDV, you know why? In the case of the total loss of your bike, a higher IDV leads to higher reimbursements.

We let you customise your IDV as per your choice because we want you to make the right decision without any compromise.

 

Check: Use Bike Insurance Premium Calculator to calculate the premium amount for third party or comprehensive policy along with the bike insurance add-ons.

Difference between Comprehensive and Third-Party Bike Insurance

Comprehensive Bike Insurance

Third-Party Bike Insurance

Comprehensive bike insurance policy is a combination of Third-party liability insurance and own-damage cover.

Comprehensive bike insurance policy is a combination of Third-party liability insurance and own-damage cover.

Your bike will be covered against theft, loss, and damage. It offers monetary support against all kinds of damages caused to your bike as well as another individual, vehicle or property.

A third-party liability bike insurance will protect you only against damage/loss towards the third-party.

With this policy you can opt for beneficial Add-ons.

This policy provides only Personal Accident Cover.

Recommended if you need complete coverage for your bike along with add-ons.

Recommended in case you rarely ride your bike or it’s too old already.

This policy offers extensive coverage.

This policy offers limited coverage.

The premium of a comprehensive bike insurance policy is higher than that of third-party insurance.

Third-party bike insurance policy is less expensive.

Benefits of Comprehensive Bike Insurance

A comprehensive bike insurance policy is way more effective than a third-party liability policy. Following are the benefits of a comprehensive bike insurance plan:

  • Personal accident cover
  • Offers protection for costs incurred due to damages
  • Coverage against third-party liability
  • Coverage against rider’s injury
  • All the benefits of Third-Party Insurance i.e. damage to a third-party’s property or vehicle and also any personal damages to a third-party like hospitalization, death or disability

Why Choose Comprehensive Bike Insurance by Digit?

Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement

Cashless Repairs

Cashless Repairs

2900+ Cashless Network Garages for you to choose from across India

Smartphone-enabled Self Inspection

Smartphone-enabled Self Inspection

Quick and Paperless claims process through a Smartphone-enabled self-inspection process

Super-fast Claims

Super-fast Claims

Average turn around time for two-wheeler claims is 11 days

Customize your Vehicle IDV

Customize your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Add-on Covers with Comprehensive Bike Insurance

Zero Depreciation cover

With time, the value of assets like your bike reduces. That’s why, whenever you make a claim, depreciation is charged for. However, through this add-on, i.e Zero Depreciation Cover you can avoid your bike’s depreciation and instead get complete costs (without the depreciation charge) during claims and repairs.

Return to Invoice cover

If you fall into a situation where your bike is stolen or damages beyond repair, this add-on comes in handy. With return to invoice add-on, we will cover the costs of getting you the same, or similar bike- including the road tax and registration fees for the same.

Engine & Gear Protection cover

If an accident causes damage to an engine, it is covered under a standard package policy. But if it is consequential damage, it is not covered. Here, this add-on comes to your rescue, covering the repair charges.

Breakdown Assistance cover

The roadside assistance add-on ensures we’ll always be there for you and your two-wheeler in case of any breakdowns. The best part? Asking for our help doesn’t even count as a claim.

Consumable cover

In this add-on, the cost of replacement of parts like screws, engine oils, nuts & bolts, grease is covered in the standard package policy.

What's not covered in Comprehensive Bike Insurance?

What is not covered differs from one insurance company to another but to list some, we give you some conditions under which the damage to your bike will not be covered in your comprehensive insurance policy:

  • Damage is done by a person driving under the influence of drugs or alcohol
  • Damage is done by a person driving without a valid license
  • Ageing, wear and tear, mechanical or electrical breakdown and failure
  • Damages to tyres and tubes unless damaged during an accident
  • Loss or damage to accessories by burglary housebreaking or robbery unless the bike is stolen at the same time
  • Any claim arising out of any contractual liability
  • Usage of your vehicle other than in accordance with restrictions as to use.
  • Damage caused if your bike is ridden outside the geographical areas of India

We suggest you go for a comprehensive bike insurance policy as opposed to third-party bike insurance. The former covers expenses of all damages suffered by the insured vehicle, its owner, and affected third-party, while the latter offers only minimal protection. 

FAQs about Comprehensive Bike Insurance Policy