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Digit Comprehensive Two-Wheeler Insurance combines third-party liability protection with cover for accidental damage or loss to the insured bike or scooter. Subject to the policy wording, covered events can include road accidents, theft, fire and specified natural calamities. Policyholders can select the applicable Insured Declared Value (IDV) and may choose eligible add-ons for extra protection. Cashless repair is available at network garages, subject to network availability and claim approval. The premium is vehicle-specific and can vary with make, model, engine capacity, age, registration location, IDV, claim history and selected add-ons.
Combines third-party liability with protection for your own two-wheeler
This policy suits owners who want more than the legally required third-party liability cover. Its key value is the combination of third-party protection and own-damage cover under one policy, with optional add-ons where eligible. Before purchase, check the policy schedule, deductibles, IDV, compulsory excess, add-on eligibility and exclusions. Flood-related consequential engine damage and depreciation deductions may require specific add-on protection; add-ons are not automatically included. Obtain the final quote using the actual vehicle details rather than treating a starting premium as a guaranteed price.
Go Digit
Key Insights
Founded
2017
Go Digit was established 9 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
96% CSR, calculated as a 3-year average
Go Digit settles 96% of all claims it receives, demonstrating strong credibility.
Contact Details
1800 103 4448
Headquarters: Atlantis, No. 95, 4th B Cross Road, 5th Block, Koramangala Industrial Layout, Bengaluru, Karnataka 560095, India
Covers eligible physical damage to the insured two-wheeler caused by an accident or collision.
Deductibles, exclusions and claim conditions apply.
Provides cover for insured theft or total loss, with settlement based on the policy terms and applicable IDV.
Police reporting and claim documents may be required.
Covers eligible damage caused by fire and specified natural calamities.
Check the policy wording for covered events and exclusions.
Covers insured legal liability for third-party injury, death or property damage, as applicable under the policy and law.
Liability limits and legal conditions apply.
The insured declared value can be selected within the insurer’s permitted range at purchase or renewal.
IDV affects premium and total-loss settlement.
Where offered and selected, reduces depreciation deductions on eligible replaced parts during a claim.
Availability, limits and conditions depend on vehicle eligibility and policy wording.
Where offered and selected, may cover specified consequential engine or gearbox damage beyond standard own-damage cover.
Subject to add-on wording, exclusions and vehicle eligibility.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Go Digit plans and claim process
It combines third-party liability with eligible own-damage protection, including accidental damage, theft, fire and specified natural calamities, subject to policy terms.
Digit advertises a starting premium from ₹714 on its website, but the final quote depends on vehicle details, IDV, location, coverage choices and add-ons.
Yes. Comprehensive two-wheeler insurance includes third-party liability protection, subject to applicable law and policy terms.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Go Digit website before purchasing.
Official Website
godigit.com
Visit the official Go Digit website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Where offered and selected, provides specified roadside assistance for covered breakdown situations.
Services and limits are governed by the add-on terms.
Insured theft is generally covered under own-damage protection, subject to policy conditions, required documents and settlement based on the applicable IDV.
Consequential engine damage may not be covered under the standard policy. Check whether an eligible Engine and Gearbox Protection add-on is available and selected.
Zero Depreciation may be available as an optional add-on for eligible vehicles. Check the quote and policy wording for availability, limits and conditions.
Eligible repairs may be handled at a Digit network garage after claim approval. Confirm garage availability and the approved repair scope before proceeding.
Common exclusions can include wear and tear, invalid-licence use, intoxicated riding and damage outside insured events. The exact exclusions in the issued policy wording apply.
Eligible damage caused by specified natural calamities may be covered, subject to policy terms, exclusions and claim conditions.
Digit states that IDV can be customised within the permitted range during purchase or renewal. The selected IDV affects the premium and total-loss payout.