{"uin":"IRDAN158RP0006V01201718","name":"Digit Two-Wheeler Package Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2018-01-31","withdrawn_on":null,"summary":"Digit Two-Wheeler Package Policy is a one-year two-wheeler package policy covering own damage perils, liability to third parties and personal accident cover for the owner-driver. It uses IDV as the sum insured, offers NCB from 20% to 50%, and has optional add-ons including parts depreciation protect, engine and gear box protect, return to invoice, breakdown assistance and EV Shield.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:19:10.50045+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1 Year.","display":"1 Year","note":"From the prospectus; the policy wording refers to the Period of Insurance but does not print the term.","quote":"We have provided choosing Policy Term of 1 Year.","sources":[{"clause":null,"heading":"What are the Policy Term Options under this Policy?","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/423#c-what-are-the-policy-term-options-under-this-poli"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the company immediately upon any accidental loss or damage and immediately for any prosecution, inquest or fatal injury matter. For theft or other criminal act, immediate notice must also be given to the police.","display":"Immediately upon accidental loss or damage; immediate notice to police for theft or criminal act","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage and in the event of any claim and thereafter the Insured shall give all such information and assistance as the Company shall require. ... In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":null,"heading":"CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Every letter claim writ summons and/or process or copy there of","Non traceable report","Registration certificate","Form 35","NOC","subrogation","indemnity bond","set of original keys of stolen vehicle"],"display":"Letters/claims/writs/summons/process copies; for total theft, non-traceable report, RC, Form 35, NOC, subrogation, indemnity bond and original keys","note":"The listed theft documents are for total theft claims; the CIS says the full list of necessary documents is uploaded on the company's official website.","quote":"Every letter claim writ summons and/or process or copy there of shall be forwarded to the Company immediately on receipt by the Insured. ... Non traceable report must be submitted for confirming that the vehicle is not traceable by the authorities. ... Processing of payment in claim is subject to submission of original documents such as Registration certificate, Form 35, NOC, subrogation, indemnity bond and set of original keys of stolen vehicle.","sources":[{"clause":null,"heading":"CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-conditions"},{"clause":"Row 11","heading":"Admissibility of Claim","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-11"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The documents refer to specified timelines and say claim TAT depends on the nature of claim and availability of parts, but do not print a specific settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the Vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time","under the influence of intoxicating liquor or drugs","outside the geographical area stated in the schedule","Any Claim arising out of any Contractual Liability","Being used otherwise than in accordance with the Limitations as to Use","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause","ionising radiation or contamination by radioactivity","nuclear weapons material","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Wear and tear/breakdown, tyres unless vehicle also damaged, accessories theft unless vehicle stolen, intoxication, outside territory, contractual liability, misuse, unauthorised driver, nuclear/radioactivity, nuclear weapons and war","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... Damage to Tyres and Tubes unless the Vehicle is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement; ... Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time; ... under the influence of intoxicating liquor or drugs. ... Any accidental loss damage and/or liability caused sustained or incurred outside the geographical area stated in the schedule. ... Any Claim arising out of any Contractual Liability. ... Being used otherwise than in accordance with the Limitations as to Use ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause. ... ionising radiation or contamination by radioactivity ... nuclear weapons material ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations","sources":[{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5-d"},{"clause":null,"heading":"GENERAL EXCEPTIONS (Applicable to all sections of the Policy)","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"3(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-3-i"},{"clause":"3(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-3-ii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First call Digit's 24X7 toll-free number or email the customer service desk. If not satisfied, contact the grievance officer at grievance@godigit.com, and if there is still no satisfactory response, approach the Insurance Ombudsman.","display":"Call 1800 300 34448 or email hello@godigit.com; then grievance@godigit.com; then Insurance Ombudsman","note":"The CIS and prospectus print a different toll-free number, 1800-258-5956.","quote":"if you are not satisfied with our services and wish to lodge a complaint, please feel free to call our 24X7 Toll free number 1800 300 34448 or you may email to the customer service desk at hello@godigit.com. ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@godigit.com ... If you do not get a satisfactory response from us and you wish to pursue other avenues for redressal of grievances, you may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman Scheme.","sources":[{"clause":"3(c)(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-3-c-ii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood/storm/cyclone etc., accidental external means, malicious act, terrorist activity, transit and landslide/rockslide","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and/or its accessories whilst thereon\n1. by fire explosion self-ignition or lightning;\n2. by burglary housebreaking or theft;\n3. by riot and strike;\n4. by earthquake (fire and shock damage);\n5. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\n6. by accidental external means;\n7. by malicious act;\n8. by terrorist activity;\n9. whilst in transit by road rail inland-waterway lift elevator or air;\n10. by landslide rockslide.","sources":[{"clause":"Section I","heading":"LOSS OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If the insured cancels during the term, the insurer refunds proportionate premium for the unexpired policy period if the term is up to one year and no claim has been made. Statutory motor third-party or other compulsory insurance cannot be cancelled except for double insurance or total loss, and cancellation needs other liability-only cover and surrender of the certificate.","display":"Proportion premium for unexpired policy period if term is up to 1 year and no claim; TP/compulsory insurance cancellation only for double insurance or total loss","note":null,"quote":"Under no circumstances statutory Motor Third Party Liability insurance or any other compulsory insurance mandated by law can be cancelled, except in case of double insurance or total loss. ... Policy may be cancelled at the option of the insured at any time during the term, by informing Us. In such a case we shall —\ni) refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period.","sources":[{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-3-a-3"},{"clause":"3(b)","heading":"Cancellation by Insured","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-3-b-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes loss outside the geographical area stated in the schedule, but the documents provided do not print the actual geographical area.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Package Policy","Third Party Cover + Fire Only Cover","Third Party Cover + Theft Only Cover","Third party Cover + Fire and Theft Cover"],"display":"Package Policy; optional restricted covers: Third Party + Fire Only, Third Party + Theft Only, Third Party + Fire and Theft","note":"The prospectus describes these as restricted covers under the package policy.","quote":"Under a Package Policy, all the above Sections would be Covered, however, you have an Option to restrict the above cover by selecting any one of the below Restricted Covers in lieu of which you shall be entitled for a discount in “Loss of or Damage to the Vehicle Insured” premium:\n• Third Party Cover + Fire Only Cover\n• Third Party Cover + Theft Only Cover\n• Third party Cover + Fire and Theft Cover","sources":[{"clause":"3(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/423#c-3-c"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability from use of the insured vehicle for death or bodily injury to any person and damage to third-party property. The CIS states third-party death or bodily injury has no limit, while third-party property damage is up to the amount in the schedule.","display":"Covers death or bodily injury and third-party property damage; death/bodily injury: No Limit; property damage: up to schedule limit","note":null,"quote":"Subject to the limits of liability as laid down in the Schedule hereto the company will indemnify the insured in the event of an accident caused by or arising out of the use of the insured vehicle against all sums which the insured shall become legally liable to pay in respect of ... death of or bodily injury to any person including occupants carried in the insured vehicle ... damage to the property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... For Third Party Property Damage- Upto INR _____ ... For Third Party Death / bodily injury – No Limit","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-1"},{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-1-a"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-1-b"},{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-5"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value of the vehicle is deemed the sum insured, fixed for each year of the policy term at commencement and shown on the policy schedule. It is based on the manufacturer's listed selling price adjusted for depreciation; IDV is treated as market value for total loss or constructive total loss, and CTL applies if retrieval/repair costs exceed 75% of IDV.","display":"IDV is the Sum Insured; fixed each year, based on manufacturer's listed selling price adjusted for depreciation; CTL if costs exceed 75% of IDV","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed for each year of the policy term at the commencement of the contract for the insured vehicle and shown on the policy schedule. ... The IDV of the vehicle (and side car/accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the insured vehicle at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout each year of the policy term as provided in the Policy Schedule without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims. The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5-c-2"},{"clause":null,"heading":"The Schedule of Depreciation for Fixing IDV of the Vehicle","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts: rubber/nylon/plastic parts, tyres and tubes, batteries and air bags 50%; fibre glass components 30%; glass nil; painting 50% on material cost. For all other parts including wooden parts: nil up to 6 months, 5% over 6 months to 1 year, 10% over 1 to 2 years, 15% over 2 to 3 years, 25% over 3 to 4 years, 35% over 4 to 5 years, 40% over 5 to 10 years and 50% over 10 years.","display":"Parts depreciation: rubber/nylon/plastic/tyres/tubes/batteries/air bags 50%; fibre glass 30%; glass Nil; painting 50% on material cost; other parts Nil to 50% by vehicle age","note":null,"quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced:\n1. For all rubber/nylon/plastic parts, tyres and tubes, batteries and air bags | - 50%\n2. For fibre glass components | - 30%\n3. For all parts made of glass | - Nil ... Rate of Depreciation for Painting - In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. ... Age of Vehicle | % of Depreciation\nNot Exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50%","sources":[{"clause":"Section I","heading":"LOSS OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-section-i"},{"clause":"4","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"NCB applies on the own damage section if no claim is made or pending: 20% after the preceding full year, 25% after 2 consecutive years, 35% after 3 consecutive years, 45% after 4 consecutive years and 50% after 5 consecutive years. It is allowed if renewed within 90 days, and the maximum NCB is 50%.","display":"20%, 25%, 35%, 45% and 50% discount on own damage premium; renewal within 90 days; maximum 50%","note":null,"quote":"The insured is entitled for a No Claim Bonus (NCB) on the Own Damage section of the policy, if no claim is made or pending during the preceding year(s), as per the following table:\nPeriod of Insurance | % DISCOUNT ON OWN DAMAGE PREMIUM\nNo claim made or pending during the preceding full year of insurance | 20%\nNo claim made or pending during the preceding 2 consecutive years of insurance | 25%\nNo claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive years of insurance | 45%\nNo claim made or pending during the preceding 5 consecutive years of insurance | 50%\nNo Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy. ... Maximum NCB that can be earned by an Insured is 50%","sources":[{"clause":null,"heading":"NO CLAIM BONUS (NCB)","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-no-claim-bonus-ncb"},{"clause":"3(c)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-3-c-i"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is stated in the schedule and the CIS leaves the compulsory deductible amount blank, so the fixed amount is not printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"The insured may opt for a voluntary deductible in addition to the compulsory deductible.","display":"Voluntary deductible may be opted in addition to compulsory deductible","note":"The amount is not printed in the wording and is stated to be in the schedule.","quote":"In addition to the compulsory deductible, insured may also opt for voluntary deductible.","sources":[{"clause":null,"heading":"DEDUCTIBLE","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-deductible"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Personal accident cover for the owner-driver pays compensation for accidental bodily injury or death connected with the insured vehicle: 100% for death, loss of two limbs or sight of two eyes or one limb and one eye, or permanent total disablement; 50% for loss of one limb or sight of one eye. The aggregate liability is Rs. 15 Lakh during any one period of insurance and the cover applies only if the owner-driver is the registered owner, named insured and holds an effective driving licence.","display":"Owner-driver PA: up to Rs. 15 Lakh; death/PTD 100%, loss of one limb or one eye 50%; subject to registered owner, named insured and effective driving licence","note":null,"quote":"the Company undertakes to pay compensation as per the following scale for bodily injury / death sustained by the owner - driver of the vehicle ... Nature of Injury | Scale of Compensation\ni) Death | 100%\nii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\niii) Loss of one limb or sight of one eye | 50%\niv) Permanent total disablement from injuries other than named above | 100% ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 Lakh during any one period of insurance. ... This cover is subject to:\n• the owner-driver is the registered owner of the vehicle insured herein;\n• The owner driver is the insured named in this policy.\n• the owner-driver holds an effective driving license","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER - DRIVER","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-section-iii"},{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-1-2"},{"clause":"3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-3-2"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Digit Two-Wheeler Package Policy - Tyre Protect","Digit Two-Wheeler Package Policy - Daily Conveyance Benefit","Digit Two-Wheeler Package Policy - Breakdown Assistance","Digit Two-Wheeler Package Policy - Consumable Cover","Digit Two-Wheeler Package Policy - Parts Depreciation Protect","Digit Two-Wheeler Package Policy - Engine and Gear Box Protect","Digit Two-Wheeler Package Policy - Return to Invoice","Digit Two-Wheeler Package Policy- EV Shield","Digit Two-Wheeler Package Policy - Accidental Hospitalization Cover","Digit Two-Wheeler Package Policy - Daily Hospital Cash Cover"],"display":"Tyre Protect, Daily Conveyance Benefit, Breakdown Assistance, Consumable Cover, Parts Depreciation Protect, Engine and Gear Box Protect, Return to Invoice, EV Shield, Accidental Hospitalization Cover and Daily Hospital Cash Cover","note":"Add-ons are available only if opted and as per the policy schedule.","quote":"Digit Two-Wheeler Package Policy - Tyre Protect ... Digit Two-Wheeler Package Policy - Daily Conveyance Benefit ... Digit Two-Wheeler Package Policy - Breakdown Assistance ... Digit Two-Wheeler Package Policy - Consumable Cover ... Digit Two-Wheeler Package Policy - Parts Depreciation Protect ... Digit Two-Wheeler Package Policy - Engine and Gear Box Protect ... Digit Two-Wheeler Package Policy - Return to Invoice ... Digit Two-Wheeler Package Policy- EV Shield ... Digit Two-Wheeler Package Policy - Accidental Hospitalization Cover ... Digit Two-Wheeler Package Policy - Daily Hospital Cash Cover","sources":[{"clause":"Row 1","heading":"Digit Two-Wheeler Package Policy - Tyre Protect","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-1-2"},{"clause":"Row 2","heading":"Digit Two-Wheeler Package Policy - Daily Conveyance Benefit","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-2-2"},{"clause":"Row 3","heading":"Digit Two-Wheeler Package Policy - Breakdown Assistance","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-3-2"},{"clause":"Row 4","heading":"Digit Two-Wheeler Package Policy - Consumable Cover","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-4-2"},{"clause":"Row 5","heading":"Digit Two-Wheeler Package Policy - Parts Depreciation Protect","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-5-2"},{"clause":"Row 6","heading":"Digit Two-Wheeler Package Policy - Engine and Gear Box Protect","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-6-2"},{"clause":"Row 7","heading":"Digit Two-Wheeler Package Policy - Return to Invoice","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-7-2"},{"clause":"Row 8","heading":"Digit Two-Wheeler Package Policy- EV Shield","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-8"},{"clause":"Row 9","heading":"Digit Two-Wheeler Package Policy - Accidental Hospitalization Cover","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-9"},{"clause":"Row 10","heading":"Digit Two-Wheeler Package Policy - Daily Hospital Cash Cover","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-10"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless claims are available if the insured selects a network garage for repair of the accidental vehicle. The CIS states the insurer has 6000+ garages across the country.","display":"Yes, cashless at network garages; 6000+ garages across the country","note":null,"quote":"For cashless claim- - In cashless claims, You need not to pay anything from Your pocket if You have selected our network garage for the repair of the accidental vehicle. - We have 6000+ garages across the country","sources":[{"clause":"Row 12","heading":"Policy Servicing - Claim Intimation and Processing","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411#c-row-12"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the Vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time","under the influence of intoxicating liquor or drugs","Being used otherwise than in accordance with the Limitations as to Use","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause","outside the geographical area stated in the schedule","Any Claim arising out of any Contractual Liability","ionising radiation or contamination by radioactivity","nuclear weapons material","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Wear and tear/breakdown, tyres unless vehicle also damaged, accessories theft unless vehicle stolen, intoxication, use outside limitations, unauthorised driver, outside territory, contractual liability, nuclear/radioactivity, nuclear weapons and war","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... Damage to Tyres and Tubes unless the Vehicle is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time; ... under the influence of intoxicating liquor or drugs. ... Being used otherwise than in accordance with the Limitations as to Use ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause. ... Any accidental loss damage and/or liability caused sustained or incurred outside the geographical area stated in the schedule. ... Any Claim arising out of any Contractual Liability. ... ionising radiation or contamination by radioactivity ... nuclear weapons material ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations","sources":[{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5-d"},{"clause":null,"heading":"GENERAL EXCEPTIONS (Applicable to all sections of the Policy)","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"3(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-3-i"},{"clause":"3(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-3-ii"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured is the vehicle's Insured's Declared Value. IDV is fixed each policy year at commencement based on the manufacturer's listed selling price adjusted for depreciation, and is treated as market value for total loss or constructive total loss claims.","display":"IDV basis: manufacturer's listed selling price adjusted for depreciation; treated as Market Value for TL/CTL","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed for each year of the policy term at the commencement of the contract for the insured vehicle and shown on the policy schedule. The IDV of the vehicle (and side car/accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the insured vehicle at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout each year of the policy term as provided in the Policy Schedule without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-5-c-2"},{"clause":null,"heading":"The Schedule of Depreciation for Fixing IDV of the Vehicle","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wording - Digit Two-Wheeler Package Policy - IRDAN158RP0006V01201718","pages":8,"fetched_at":"2026-10-17 19:41:12+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/policy-wording-digit-two-wheeler-package-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/726"},{"kind":"wording","label":"Digit Two-Wheeler package Policy (IRDAI copy)","pages":14,"fetched_at":"2026-10-20 01:16:08+00","source_url":"https://irdai.gov.in/documents/37343/993134/201_Policy_Wordings__Two_Wheeler_Package_Policy__Digit_Insurance_GEN1378.pdf/0e71e860-96a6-a0b8-99c1-e6c6a013cce6?version=1.1&t=1668929887226&download=true","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/26156"},{"kind":"prospectus","label":"Prospectus - Digit Two-Wheeler Package Policy - IRDAN158RP0006V01201718","pages":32,"fetched_at":"2026-10-17 19:34:18+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/prospectus-digit-two-wheeler-package-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/423"},{"kind":"cis","label":"CIS - Digit Two-Wheeler Package Policy - IRDAN158RP0006V01201718","pages":4,"fetched_at":"2026-10-17 19:34:03+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/cis-digit-two-wheeler-package-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718/document/411"}],"versions":[{"uin":"IRDAN158P0006V01201718","version":null,"approved_on":null},{"uin":"IRDAN158RP0006V01201718","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Digit Two-Wheeler Package Policy (UIN IRDAN158RP0006V01201718), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-irdan158rp0006v01201718"}