Digit Insurance is a general insurance company based in Pune, Maharashtra. The company was founded in 2016.

What is meant by Stand Alone Own Damage Bike Policy in Go digit

Applicable since Sep 2018, Insurance companies can now offer standalone Own Damage (OD) Insurance policies for cars and two-wheelers that only have a third party car or bike insurance in place. An own damage premium is a price you pay for your OD insurance. The premium price for the same is usually determined based on the type of vehicle you own, how old it is, and the city you use it in.

Benefits of buying Stand Alone Own Damage policy from Go Digit

  • Easy To Buy

Renewals and purchases with thorough comparisons are made easier online with Quickinsure.

  • Keeps You Risk-Free

Go digit Insurance comes with two-fold benefits, you not only get relief from potential risk but also from stress.

  • An Affordable Deal

A Bike insurance policy comes at a quite reasonable price, especially when you compare the amount of money that you may have to bear in case of an accident.

How to Purchase Stand Alone Own Damage Policy for your Bike from Go digit

  1. Visit the Quickinsure website
  2. Click on the ‘two-wheeler insurance’ icon on the screen
  3. Enter your vehicle registration number according to your vehicle’s registration certificate (RC)
  4. You can compare quotations from various insurers and select the one that suits your needs
  5. Fill out the proposal form and double-check to confirm that all details are correct
  6. Complete the payment and your policy will be instantly in your inbox

Coverage of Stand Alone Own Damage Policy in Go digit

  • Two-wheeler owners can avail personal accident cover of ₹15L under their bike insurance policy as an inbuilt feature.
  • Additional coverage is offered at an extra cost but goes a long way to ease the process of filing claims by providing extra cover.
  • Damage to your bike as a result of a collision or accident is covered.
  • Floods, typhoons, hurricanes, earthquakes, and other natural disasters are covered.
  • Coverage for man-made disasters such as rioting, vandalism, and so on.
  • Coverage in the event that your bike is stolen.

Exclusions Under Stand-Alone Own Damage Policy in Go Digit

  • Go digit does not cover any accidents that arise as a result of illegal driving.
  • Contractual duties are not covered by the policy.
  • If you use a two-wheeler for any form of business purpose you are responsible for any damages suffered as a result of the contractual agreement.

Frequently Asked Questions

  • What factors are considered to determine Go Digit own damage premium?

Premium is calculated based upon the following factors- IDV of the bike, cubic capacity of the engine, geographical zone, type, make, model and age of the vehicle.

  • Who is eligible to buy own damage bike insurance?

Any individual who has an active and valid third party bike insurance is allowed to buying stand alone own damage insurance plan to ensure protection against damages or losses sustained by their own bike due to any accident or mishap.

  • Is purchasing a standalone own damage cover necessary?

No, buying an own damage insurance cover for your bike is not necessary. According to Indian Motor Tariff Act, it is compulsory to purchase a valid third party insurance plan for all the vehicles driving on public roads in India.

  • Which documents should I carry while riding my two-wheeler?

Carry a valid driving license, vehicle registration certificate (RC) and pollution control certificate (PUC) while riding.

  • Should I purchase Bike Insurance for my second-hand bike?

Yes, purchasing bike insurance is mandatory for new as well as old two-wheeler as per Motor Vehicle Act, 1988.

  • Can I transfer NCB to my new bike?

NCB discount can be easily transferred if you buy a new bike. The NCB rewards a person for safe driving practices and for not making any claims in the earlier year.

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