{"uin":"IRDAN158RP0007V01201718","name":"Digit Two-Wheeler Package Policy - Long Term","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718","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":"This is a long-term two-wheeler package policy covering loss or damage to the insured vehicle, third-party liability and personal accident cover for the owner-driver. The policy term options are 2 Years or 3 Years and optional add-ons include consumable cover, parts depreciation protect, engine and gear box protect, breakdown assistance, tyre protect, return to invoice, daily conveyance benefit, EV Shield, accidental hospitalization cover and daily hospital cash cover.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:19:22.375913+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":"The documents do not state named plan variants inside the base product.","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":"2 Years or 3 Years.","display":"2 Years or 3 Years","note":null,"quote":"Since this is a Long-Term Policy, we have provided a flexibility of choosing policy period of 2 Years or 3 Years.","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-long-term-irdan158rp0007v01201718/document/417#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 the occurrence of any accidental loss or damage. In case of theft or other criminal act, immediate notice must also be given to the Police.","display":"Immediately upon occurrence; theft or other criminal act to Police immediately","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-long-term-irdan158rp0007v01201718/document/430#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":["Registration certificate","Form 35","NOC","subrogation","indemnity bond","set of original keys of stolen vehicle"],"display":"For total theft: Registration certificate, Form 35, NOC, subrogation, indemnity bond and set of original keys of stolen vehicle","note":"The printed list is for total theft claims; the CIS says the full list is uploaded on the company’s official website.","quote":"Necessary documents to be submitted for admissibility and processing the claim conclusively [List of such documents uploaded on company’s official website as per attached PDF] ... 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":"Row 1","heading":"Digit Two-Wheeler Package Policy - Long Term - Consumable Cover","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/412#c-row-1-2"}],"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 base motor policy only refers to specified timelines, and the CIS says the turnaround time depends on the nature of claim and availability of parts.","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","any accidental loss or damage suffered whilst the Insured or any person driving with the knowledge and consent of the Insured is 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","Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Main exclusions include wear and tear, tyre damage unless the vehicle is also damaged, accessories theft unless the vehicle is stolen, drunk driving, use outside the geographical area or limitations as to use, contractual liability, unauthorised driver, nuclear risks and war risks.","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... b) 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; ... c) Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time; ... d) any accidental loss or damage suffered whilst the Insured or any person driving with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs. ... 1. Any accidental loss damage and/or liability caused sustained or incurred outside the geographical area stated in the schedule.\n2. Any Claim arising out of any Contractual Liability.\n3. Any accidental loss damage and/or liability caused sustained or incurred whilst the Vehicle insured herein is: ... i) Being used otherwise than in accordance with the Limitations as to Use or ... ii) 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. ... 5. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material\n6. Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed by or traceable to or arising out of or in connection with 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-long-term-irdan158rp0007v01201718/document/430#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#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-long-term-irdan158rp0007v01201718/document/430#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-long-term-irdan158rp0007v01201718/document/430#c-3-i"},{"clause":"3(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#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 complain to Digit by calling 1800-258-5956 or emailing hello@godigit.com; the grievance email is grievance@godigit.com. If the response is not satisfactory, the policyholder may approach the Insurance Ombudsman.","display":"Call 1800-258-5956 or email hello@godigit.com; grievance@godigit.com; then Insurance Ombudsman if unsatisfied","note":null,"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 1800-258-5956 or You may email to the customer service desk at hello@godigit.com. After investigating the matter internally and subsequent closure, We will send Our response. Email: 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(b)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-3-b-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, burglary/theft, riot and strike, earthquake, flood and storm perils, 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-long-term-irdan158rp0007v01201718/document/430#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":"The insured may cancel at any time during the term by informing the insurer. For a policy term up to one year with no claims, proportionate premium for the unexpired period is refunded; for a policy term over one year, premium is refunded for unexpired policy years where risk coverage has not commenced.","display":"Cancel any time; proportion premium for unexpired period if term is up to one year and no claim; for term over one year, refund for unexpired policy period whose risk has not commenced","note":"Statutory motor third-party liability or any other compulsory insurance can be cancelled only in the stated exceptions.","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.\nii) refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#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-long-term-irdan158rp0007v01201718/document/430#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 only refers to the geographical area stated in the schedule; the actual territory is not printed in the provided documents.","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; restricted cover options are Third Party + Fire Only, Third Party + Theft Only, and Third party + Fire and Theft","note":"Restricted cover options are stated in the prospectus.","quote":"Note: 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-long-term-irdan158rp0007v01201718/document/417#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 property other than the insured’s property. The CIS states third-party death or bodily injury has No Limit and third-party property damage is up to the schedule limit.","display":"Death or bodily injury to any person: No Limit; third-party property damage up to the schedule limit","note":"The property-damage rupee limit is left blank in the CIS and is schedule-dependent.","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 ... a) death of or bodily injury to any person including occupants carried in the insured vehicle ... b) 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-long-term-irdan158rp0007v01201718/document/430#c-1"},{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-1-a"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#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-long-term-irdan158rp0007v01201718/document/412#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 to be the Sum Insured and is fixed for each year of the policy term at commencement. It is based on the manufacturer's listed selling price adjusted for depreciation and is treated as the Market Value for Total Loss or Constructive Total Loss claims.","display":"IDV is the Sum Insured, fixed for each year at commencement, based on manufacturer’s listed selling price adjusted for depreciation","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-long-term-irdan158rp0007v01201718/document/430#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-long-term-irdan158rp0007v01201718/document/430#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 parts replaced, depreciation is 50% for rubber/nylon/plastic parts, tyres and tubes, batteries and air bags; 30% for fibre glass components; Nil for glass. For all other parts including wooden parts, depreciation is Nil up to 6 months, then 5%, 10%, 15%, 25%, 35%, 40% and 50% by the printed age bands.","display":"Parts depreciation: 50% rubber/nylon/plastic parts, tyres and tubes, batteries and air bags; 30% fibre glass; Nil glass; other parts by vehicle age from Nil to 50%","note":"Painting has a separate rule: 50% depreciation on the material cost of painting.","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 ... 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-long-term-irdan158rp0007v01201718/document/430#c-section-i"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#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":"No-claim bonus is a discount on own damage premium ranging from 20% after one claim-free preceding full year to 50% after five claim-free consecutive years. It is allowed only if renewed within 90 days of previous policy expiry, with a 365-day possible extension for specified military or paramilitary personnel.","display":"20% to 50% discount on own damage premium; renew within 90 days, extendable to 365 days for specified military or paramilitary personnel","note":null,"quote":"Period 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% ... No Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy. \"However, in the case of Military or Para military Personnel working in Forward Areas, the period of 90 days may be extended up to 365 days depending on the circumstances of each individual case with a declaration in writing by the policy holder that the vehicle was not put to use during the interim period\". ... i) Maximum NCB that can be earned by an Insured is 50%","sources":[{"clause":"3(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-3-a-4"},{"clause":null,"heading":"NCB Slab","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-ncb-slab"},{"clause":"3(b)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-3-b-i"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"A deductible applies to each and every Section I own-damage claim; the amount is stated in the schedule and is not printed in the wording.","display":"Applies to each Section I claim; amount stated in the schedule","note":"The provided documents do not print a fixed rupee amount for the compulsory deductible.","quote":"The Company shall not be liable for each and every claim under Section - I (loss of or damage to the vehicle insured) of this Policy in respect of the deductible stated in the schedule.","sources":[{"clause":null,"heading":"DEDUCTIBLE","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-deductible"}],"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":"In addition to the compulsory deductible, the insured may opt for a voluntary deductible; the amount is not printed in the wording and is stated in the schedule.","display":"Available in addition to compulsory deductible; amount stated in the schedule","note":"The documents provided do not print selectable voluntary deductible amounts.","quote":"The Company shall not be liable for each and every claim under Section - I (loss of or damage to the vehicle insured) of this Policy in respect of the deductible stated in the schedule. 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-long-term-irdan158rp0007v01201718/document/430#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":"Owner-driver personal accident cover pays compensation for bodily injury or death in direct connection with the insured vehicle, with total liability not exceeding Rs. 15 Lakh during any one period of insurance. The scale is 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, and permanent total disablement; 50% for loss of one limb or sight of one eye.","display":"PA owner-driver cover up to Rs. 15 Lakh; 100% for death or specified total disablement, 50% for loss of one limb or sight of one eye","note":"Subject to the owner-driver being the registered owner, the insured named in the policy and holding an effective driving license at the time of accident.","quote":"the Company undertakes to pay compensation as per the following scale for bodily injury / death sustained by the owner - driver of the vehicle, in direct connection with the vehicle insured whilst mounting into / dismounting from or traveling in the insured vehicle as a co- driver, caused by violent accidental external and visible means ... 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 compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner - driver arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 Lakh during any one period of insurance.","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-long-term-irdan158rp0007v01201718/document/430#c-section-iii"},{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-1-2"}],"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 -LONG TERM- CONSUMABLE COVER","DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- PARTS DEPRECIATION PROTECT","DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- ENGINE AND GEAR BOX PROTECT","DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- BREAKDOWN ASSISTANCE","DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- TYRE PROTECT","DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- RETURN TO INVOICE","DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- DAILY CONVEYANCE BENEFIT","DIGIT TWO- WHEELER PACKAGE POLICY- LONG TERM - EV SHIELD","DIGIT TWO-WHEELER PACKAGE POLICY - LONG TERM - ACCIDENTAL HOSPITALIZATION COVER","DIGIT TWO-WHEELER PACKAGE POLICY – LONG TERM - DAILY HOSPITAL CASH COVER"],"display":"Consumable Cover; Parts Depreciation Protect; Engine and Gear Box Protect; Breakdown Assistance; Tyre Protect; Return to Invoice; Daily Conveyance Benefit; EV Shield; Accidental Hospitalization Cover; Daily Hospital Cash Cover","note":null,"quote":"LIST OF ADD-ON COVERS: ... DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- CONSUMABLE COVER ... DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- PARTS DEPRECIATION PROTECT ... DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- ENGINE AND GEAR BOX PROTECT ... DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- BREAKDOWN ASSISTANCE ... DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- TYRE PROTECT ... DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- RETURN TO INVOICE ... DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- DAILY CONVEYANCE BENEFIT ... DIGIT TWO- WHEELER PACKAGE POLICY- LONG TERM - EV SHIELD ... DIGIT TWO-WHEELER PACKAGE POLICY - LONG TERM - ACCIDENTAL HOSPITALIZATION COVER ... DIGIT TWO-WHEELER PACKAGE POLICY – LONG TERM - DAILY HOSPITAL CASH COVER","sources":[{"clause":null,"heading":"DIGIT TWO WHEELER PACKAGE POLICY – LONG TERM- ADD-ON COVER – WORDINGS","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-digit-two-wheeler-package-policy-long-term-add-o"},{"clause":"1","heading":"DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- CONSUMABLE COVER","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-1"},{"clause":"2","heading":"DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- PARTS DEPRECIATION PROTECT","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-2"},{"clause":"3","heading":"DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- ENGINE AND GEAR BOX PROTECT","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-3"},{"clause":"4","heading":"DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- BREAKDOWN ASSISTANCE","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-4"},{"clause":"5","heading":"DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- TYRE PROTECT","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-5"},{"clause":"6","heading":"DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- RETURN TO INVOICE","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-6"},{"clause":"7","heading":"DIGIT TWO WHEELER PACKAGE POLICY -LONG TERM- DAILY CONVEYANCE BENEFIT","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-7"},{"clause":"8","heading":"DIGIT TWO- WHEELER PACKAGE POLICY- LONG TERM - EV SHIELD","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-8"},{"clause":"9","heading":"DIGIT TWO-WHEELER PACKAGE POLICY - LONG TERM - ACCIDENTAL HOSPITALIZATION COVER","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-9"},{"clause":"10","heading":"DIGIT TWO-WHEELER PACKAGE POLICY – LONG TERM - DAILY HOSPITAL CASH COVER","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418#c-10"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless repair is available if the insured selects the insurer’s network garage for repair of the accidental vehicle. The CIS says 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 1","heading":"Digit Two-Wheeler Package Policy - Long Term - Consumable Cover","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/412#c-row-1-2"}],"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":["Damage due to drunk driving","Driving without a valid driving license","Damage which is not a direct result of an accident","Damage due to wilful negligence","any kind of pre-existing damage","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","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 Claim arising out of any Contractual Liability","Any accidental loss damage and/or liability caused sustained or incurred outside the geographical area stated in the schedule","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Main motor exclusions include drunk driving, driving without a valid licence, non-accident damage, wilful negligence, pre-existing damage, wear and tear or breakdown, tyre damage unless the vehicle is also damaged, misuse, unauthorised driver, contractual liability, outside geographical area and war risks.","note":null,"quote":"Situations where your Vehicle Insurance Claim might get Rejected • Damage due to drunk driving • Driving without a valid driving license • Damage which is not a direct result of an accident • Damage due to wilful negligence • If a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means. • Cause of loss is not matching with the damages reported to us • any kind of pre-existing damage • Due to exclusions mentioned in the Policy Wordings. ... a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... b) 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; ... 1. Any accidental loss damage and/or liability caused sustained or incurred outside the geographical area stated in the schedule.\n2. Any Claim arising out of any Contractual Liability.\n3. Any accidental loss damage and/or liability caused sustained or incurred whilst the Vehicle insured herein is: ... i) Being used otherwise than in accordance with the Limitations as to Use or ... ii) 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. ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations","sources":[{"clause":"Row 1","heading":"Digit Two-Wheeler Package Policy - Long Term - Consumable Cover","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/412#c-row-1-2"},{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-5-b"},{"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-long-term-irdan158rp0007v01201718/document/430#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-long-term-irdan158rp0007v01201718/document/430#c-3-i"},{"clause":"3(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#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 cover amount is based on the Insured's Declared Value. IDV is deemed to be the Sum Insured, fixed for each year at commencement and based on the manufacturer’s listed selling price adjusted for depreciation.","display":"IDV, fixed for each year at commencement and based on manufacturer’s listed selling price adjusted for depreciation","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","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430#c-5-c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Digit Two-Wheeler Package Policy - Long Term-IRDAN158RP0007V01201718 (Add-On Cover)","pages":29,"fetched_at":"2026-10-17 19:34:16+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/Digit%20Two%20-%20Wheeler%20Add%20-%20On%20Cover%20-%20Long%20term%20wording.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/418"},{"kind":"wording","label":"Policy Wording - Digit Two Wheeler Package Policy - Long Term - IRDAN158RP0007V01201718","pages":8,"fetched_at":"2026-10-17 19:34:37+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/policy-wording-digit-two-wheeler-package-policy-long-term.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/430"},{"kind":"wording","label":"Digit Two-Wheeler package Policy – Long Term (IRDAI copy)","pages":15,"fetched_at":"2026-10-20 01:16:09+00","source_url":"https://irdai.gov.in/documents/37343/993134/202_Digit_Insurance__Two_Wheeler__Package__Long_Term__Policy_Wordings_GEN1379.pdf/c3a8c6b3-2d42-c8e3-5367-7b7a870ff0ed?version=1.1&t=1668237531903&download=true","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/26157"},{"kind":"prospectus","label":"Prospectus - Digit Two-Wheeler Package Policy - Long Term - IRDAN158RP0007V01201718","pages":31,"fetched_at":"2026-10-17 19:34:13+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/prospectus-digit-two-wheeler-package-policy-long-term.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/417"},{"kind":"cis","label":"CIS - Digit Two-Wheeler Package Policy - Long Term - IRDAN158RP0007V01201718","pages":4,"fetched_at":"2026-10-17 19:34:09+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/cis-two-wheeler-package-long-term.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718/document/412"}],"versions":[{"uin":"IRDAN158P0007V01201718","version":null,"approved_on":null},{"uin":"IRDAN158RP0007V01201718","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 - Long Term (UIN IRDAN158RP0007V01201718), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-package-policy-long-term-irdan158rp0007v01201718"}