{"uin":"IRDAN158RPMT0045V01202425","name":"Digit Two-Wheeler Insurance","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Two-Wheeler Insurance from Go Digit General Insurance covers own damage to a two-wheeler, third-party liability and personal accident cover for the owner-driver, each section opted separately for 1 to 5 years. Own-damage cover is on the IDV basis with parts depreciation, owner-driver PA is up to Rs 15,00,000, and 24 optional covers are offered.","analysis":{"state":"extracted","analysed_at":"2026-10-16 06:29:35.065966+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"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 name no plans for the product itself. It is sold by sections (Section I own damage, Section II third-party liability, Section III owner-driver PA) plus 24 optional covers; some optional covers have their own plans (Breakdown Assistance: Basic, Standard, Comprehensive, Platinum; Legal Assistance: Basic, Standard).","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":"cross-checked","value":"Each section (own damage, third-party liability, owner-driver PA) and each optional cover can be taken for 1, 2, 3, 4 or 5 years.","display":"1 to 5 years (1, 2, 3, 4 or 5 years per section)","note":"From the prospectus; the policy wording does not print the term.","quote":"Section I: Loss of or Damage to the Vehicle Insured (OD Section): This section can be opted for either 1 Year or 2 Years or 3 Years or 4 years or 5 years. ... Section II: Liability to Third Parties (TP section): This section can be opted for either 1 Year or 2 Years or 3 Years or 4 years or 5 years. ... Section III: Personal Accident Cover for Owner-Driver: This section can be opted for either 1 year or 2 years or 3 years or 4 years or 5 years. ... Optional Covers under the policy: The policy term of the respective opted optional cover can be 1/ 2 /3/ 4/ 5 years.","sources":[{"clause":null,"heading":"What is the Policy Term of various Sections under this Product?","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/76#c-what-is-the-policy-term-of-various-sections-unde"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Notice must be given to the insurer in writing immediately after any accidental loss or damage; for theft or a criminal act the police must also be told immediately.","display":"Immediately, in writing","note":"Optional covers set their own limits: 48 hours of hospital admission for Accidental Hospitalization and Daily Hospital Cash; claims notified after 30 days excluded under Consumable Cover and Parts Depreciation Protect; after 3 days under Engine and Gear Box Protect (also EV Shield, Key & Lock, Personal Belongings); 24 hours for Additional Towing and loss of Registration Certificate. Late notice may be condoned on merits.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss of or damage and in the event of any claim ... 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 ... We should be intimated immediately and in any event within 48 hours of date of admission in hospital. ... Any claim which is notified after 30 days of the happening of the loss or damage ... Any claim which is notified after 3 days of the happening of the loss or damage","sources":[{"clause":null,"heading":"CONDITIONS","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-conditions"},{"clause":null,"heading":"CLAIMS PROCESS","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-claims-process"},{"clause":null,"heading":"EXCLUSIONS SPECIFIC TO OPTIONAL COVER 1","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-exclusions-specific-to-optional-cover-1"},{"clause":null,"heading":"EXCLUSIONS SPECIFIC TO OPTIONAL COVER 3","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-exclusions-specific-to-optional-cover-3"}],"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":"cross-checked","value":["Driving License","Duly filed and Signed Claim Form, video/pictures of damaged vehicle","Photos of damaged parts replaced","Policy Copy","Quotes of salvage, if applicable","Warranty certificate","Survey Report, vehicle repair order, vehicle delivery order","Bill Copy","Statement of insured/driver/occupants","Court order/summons (For Third Party Liability Claims)","Proof of medical expenses incurred for treatment of claimant (For Third Party Liability Claims)","Proof of income of claimant (For Third Party Liability Claims)","MLC/FIR Reports (If applicable)","Original Invoice/Sticker (If applicable)","AML and KYC (Photo ID card)","Bank Details with Cancelled Cheque"],"display":"Driving licence, claim form with photos/video, policy copy, survey report, repair and bill copies, FIR if applicable, KYC and bank details","note":"Hospital claims under the Accidental Hospitalization and Daily Hospital Cash optional covers also need discharge summary, hospital bills, pharmacy bills, prescriptions, investigation reports and similar. For total theft the CIS adds Registration certificate, Form 35, NOC, subrogation, indemnity bond and the original keys, plus a non-traceable report.","quote":"a) Driving License ... b) Duly filed and Signed Claim Form, video/pictures of damaged vehicle ... c) Photos of damaged parts replaced ... d) Policy Copy ... e) Quotes of salvage, if applicable ... f) Warranty certificate ... g) Survey Report, vehicle repair order, vehicle delivery order ... h) Bill Copy ... i) Statement of insured/driver/occupants ... j) Court order/summons (For Third Party Liability Claims) ... k) Proof of medical expenses incurred for treatment of claimant (For Third Party Liability Claims) ... l) Proof of income of claimant (For Third Party Liability Claims) ... v) MLC/FIR Reports (If applicable) ... w) Original Invoice/Sticker (If applicable) ... aa. AML and KYC (Photo ID card) bb. Bank Details with Cancelled Cheque ... 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":"6. List of Claim Documents","page":34,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-6-list-of-claim-documents"},{"clause":"Row 11","heading":"Admissibility of Claim","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/77#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":"No settlement period is printed. The wording only says that if a claim is not settled 'within the specified timelines' interest is payable at the rate in prevailing regulatory provisions; the CIS says the TAT 'will depend on the nature of claim and availability of part at the garage'.","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":"cross-checked","value":["Loss, damage or liability outside the geographical area stated in the schedule","Any claim arising out of any Contractual Liability","Vehicle used otherwise than in accordance with the Limitations as to Use","Vehicle driven by any person other than a Driver as stated in the Driver's clause","Consequential loss","Ionising radiation or contamination by radioactivity from nuclear fuel or nuclear waste","Nuclear weapons material","War, invasion, act of foreign enemies, hostilities, civil war, mutiny, rebellion, military or usurped power","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 (then limited to 50% of replacement cost)","Theft of accessories unless the vehicle is stolen at the same time","Loss or damage while the driver is under the influence of intoxicating liquor or drugs","Owner-driver PA: intentional self-injury, suicide or attempted suicide"],"display":"Use outside the permitted area or purpose, unauthorised driver, war and nuclear risks, consequential loss, wear and tear and breakdown, drunk driving","note":"Each optional cover has its own further exclusions.","quote":"1. Any accidental loss damage and/or liability caused sustained or incurred outside the geographical area stated in the schedule. ... 2. Any Claim arising out of any Contractual Liability. ... 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. ... any consequential loss ... ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste ... arising from nuclear weapons material ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations (whether before or after declaration of war), Civil War, Mutiny Rebellion, Military or usurped power ... 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. ... i) Intentional self-injury suicide or attempted suicide physical defect or infirmity","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS (Applicable to all sections of the Policy)","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"24(d)(i)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-24-d-i"},{"clause":"24(d)(ii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-24-d-ii"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-5-d"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-2-4"}],"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":"cross-checked","value":"Call Digit's 24x7 toll-free number 1800-258-5956 or email hello@godigit.com; escalate to grievance@godigit.com or IRDAI's Bima Bharosa portal; if still unsatisfied, approach the Insurance Ombudsman.","display":"Digit customer service (1800-258-5956, hello@godigit.com), then grievance@godigit.com, then the Insurance Ombudsman","note":"The prospectus adds seniors@godigit.com for senior citizens.","quote":"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 ... The policyholder or the claimant also has the option to register the complaint on-line at IRDAl's Bima Bharosa by visiting https://bimabharosa.irdai.gov.in/ 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":"24(c)(i)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-24-c-i"}],"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":"cross-checked","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","Transit by road, rail, inland waterway, lift, elevator or air","Landslide, rockslide","Third-party liability for death or bodily injury","Third-party property damage","Personal accident cover for the owner-driver"],"display":"Own damage from fire, theft, riot, natural calamities, accident, malicious act, terrorism, transit and landslide; third-party liability; owner-driver PA","note":"Each section applies only if opted and shown in the policy schedule.","quote":"1. by fire explosion self-ignition or lightning; 2. by burglary housebreaking or theft; 3. by riot and strike; 4. by earthquake (fire and shock damage); 5. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; 6. by accidental external means; 7. by malicious act; 8. by terrorist activity; 9. whilst in transit by road rail inland-waterway lift elevator or air; 10. by landslide rockslide. ... 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 ... Section III PERSONAL ACCIDENT COVER FOR OWNER - DRIVER","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-section-i"},{"clause":"1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-1-a"},{"clause":"1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-1-b"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER - DRIVER","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-section-iii"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"You can cancel at any time by informing Digit. For a policy of up to one year with no claim, the premium is refunded in proportion to the unexpired period; for a longer-term policy, premium is refunded for the policy years whose cover has not started.","display":"Proportionate refund for the unexpired period if no claim; for multi-year policies, refund for years not yet started","note":"Third-party cover cannot be cancelled except for double insurance or total loss, and only after proof the vehicle is insured elsewhere for at least liability-only cover and surrender of the original Certificate of Insurance. The insurer may cancel for established fraud with 7 days' notice.","quote":"Cancellation by Insured: Policy may be cancelled at the option of the insured at any time during the term, by informing Us. ... i) 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. ... ii) 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. ... 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.","sources":[{"clause":null,"heading":"5. CANCELLATION","page":34,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-5-cancellation"}],"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 base policy only says loss outside 'the geographical area stated in the schedule' is excluded; the area itself is not printed. Optional covers mention India: hospitalisation claims from 'any hospital within India' and Legal Assistance 'available in Territory of India'.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"cross-checked","value":["Section I: Loss of or Damage to the Vehicle Insured (own damage)","Section II: Liability to Third Parties","Section III: Personal Accident Cover for Owner-Driver"],"display":"Own damage, third-party liability and owner-driver PA, each opted separately","note":"The sections can be opted separately, so own damage alone or third-party alone are possible. Optional Cover 24 refers to 'Comprehensive Cover' and 'Standard Cover' without defining them.","quote":"The customer will have option to opt for any section or optional cover as per their requirement: ... Section I: Loss of or Damage to the Vehicle Insured ... Section II: Liability to Third Parties ... Section III: Personal Accident Cover For Owner-Driver","sources":[{"clause":null,"heading":"What will be policy period provided under the product?","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/76#c-what-will-be-policy-period-provided-under-the-pr"}],"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":"cross-checked","value":"Covers legal liability for death of or bodily injury to any person (no limit) and damage to third-party property (limit as in the schedule), arising from use of the vehicle.","display":"Death/bodily injury: no limit; property damage: up to the limit in the schedule","note":"The CIS leaves the property damage limit blank ('Upto INR __'); the wording says 'Subject to the limits of liability as laid down in the Schedule'.","quote":"a) death of or bodily injury to any person including occupants carried in the insured vehicle (provided such occupants are not carried for hire or reward) ... 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 (Motor Accidents Claim Tribunal decides the third-party insurance death claim amount based on the available documentation)","sources":[{"clause":"1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-1-a"},{"clause":"1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#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-insurance-irdan158rpmt0045v01202425/document/77#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":"cross-checked","value":"The IDV is the sum insured, fixed at the start of each policy year from the manufacturer's listed selling price of the model, less age-based depreciation (5% up to 6 months to 50% for 4 to 5 years). It is the most paid for theft or total loss; a vehicle is a constructive total loss when repair cost exceeds 75% of IDV.","display":"Manufacturer's listed selling price less 5% to 50% depreciation; maximum payable for theft or total loss","note":"For vehicles over 5 years old or obsolete models the IDV is agreed between insurer and insured. Total loss payout is IDV less the value of the wreck. The CIS says the customer may change the IDV within product parameters. Good Driver Benefit option can raise IDV by up to 15%.","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 ... 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 ... Not Exceeding 6 months | 5% ... Exceeding 4 years but not exceeding 5 years | 50% ... exceeds 75% of the IDV of the vehicle ... In case of any theft or Total loss/Constructive total loss, IDV mentioned on the Policy schedule shall be the maximum claim amount payable under the policy.","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#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-insurance-irdan158rpmt0045v01202425/document/75#c-the-schedule-of-depreciation-for-fixing-idv-of-t"},{"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-insurance-irdan158rpmt0045v01202425/document/77#c-row-5"}],"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":"cross-checked","value":"On parts replaced in a partial loss: 50% on rubber, nylon and plastic parts, tyres, tubes, batteries and air bags; 30% on fibre glass; nil on glass; 50% on the material cost of painting; other parts by vehicle age, from nil up to 6 months to 50% over 10 years.","display":"Rubber/plastic parts, tyres, batteries 50%; fibre glass 30%; glass nil; other parts nil to 50% by age","note":"Other parts by age: up to 6 months nil, 6 to 12 months 5%, 1 to 2 years 10%, 2 to 3 years 15%, 3 to 4 years 25%, 4 to 5 years 35%, 5 to 10 years 40%, over 10 years 50%. For a consolidated painting bill, material is taken as 25%. Optional Cover 2 (Parts Depreciation Protect) pays this depreciation.","quote":"For all rubber/nylon/plastic parts, tyres and tubes, batteries and air bags - 50% ... For fibre glass components - 30% ... For all parts made of glass - Nil ... In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of the total painting charges ... Not 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":"1","heading":"For all rubber/nylon/plastic parts, tyres and tubes, batteries and air bags - 50%","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-1-2"},{"clause":"2","heading":"For fibre glass components - 30%","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-2-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-3-2"},{"clause":"4","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-4-2"},{"clause":"5","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-5-2"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"cross-checked","value":"No Claim Bonus on the own-damage cover for claim-free years, as per the Annexure I scale; it is allowed only if the policy is renewed within 90 days of expiry.","display":"Yes, on own-damage cover per Annexure I scale; renew within 90 days","note":"Annexure I is a multi-year table (2 to 5 year OD policies, three scales) giving renewal NCB from 0% up to 50% (55% or 65% kept for those protected under the sunset clause); no plain one-year slab is printed. Military personnel in forward areas: 90 days may extend to 365 days. Optional NCB Scaler gives 20% to 75%; optional NCB Protector keeps NCB after a partial loss claim. Wording clause and the prospectus NCB answer also say NCB is on the 'Parts Depreciation Protect' optional cover.","quote":"The insured is entitled for a No Claim Bonus (NCB) on the Own Damage coverage of the policy, if no claim is made or pending during the preceding year(s), as per the table provided in Annexure I of this document. No Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy. ... No Claim bonus to be provided on the Own Damage (OD) coverage of the Policy after the expiry of Policy Tenure of OD section","sources":[{"clause":null,"heading":"NO CLAIM BONUS (NCB)","page":35,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-no-claim-bonus-ncb-2"},{"clause":null,"heading":"NCB SCALE","page":37,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-ncb-scale"}],"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 a compulsory deductible applies to every own-damage claim 'as stated in the policy schedule'; the CIS says it is a '% of each claim, subject to a minimum amount as mentioned in Policy Schedule'. No amount is printed (the CIS sample calculation shows a garbled '(₹1,00)'). Optional Cover 13 can waive it if repairs are done at a Digit Preferred Repair Shop.","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":"cross-checked","value":"Optional: the insured may choose a voluntary deductible on own-damage claims, on top of the compulsory deductible; the percentage is set in the policy schedule.","display":"Optional, a % of each own-damage claim as in the schedule","note":"The documents do not print the voluntary deductible amounts or the premium discount.","quote":"In addition to the compulsory deductible, insured may also opt for voluntary deductible. ... Voluntary Deductible applicable to Section 1- Own Damage Section (applicable only if opted) Deductible % of each claim, as mentioned in Policy Schedule.","sources":[{"clause":null,"heading":"DEDUCTIBLE","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-deductible"},{"clause":"Row 8","heading":"Loss Participation","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/77#c-row-8"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"cross-checked","value":"Section III pays the owner-driver up to Rs 15,00,000 for death (100%), loss of two limbs or eyes (100%), loss of one limb or eye (50%) or permanent total disablement (100%) from an accident involving the insured vehicle.","display":"Up to ₹15,00,000 (Fifteen Lakhs); death 100%, one limb or eye 50%","note":"Only if opted (CIS). The owner-driver must be the registered owner, the named insured and hold an effective driving licence. Excludes intentional self-injury, suicide and accidents under the influence of liquor or drugs.","quote":"Section III PERSONAL ACCIDENT COVER FOR OWNER - DRIVER ... i) Death | 100% ... ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% ... iii) Loss of one limb or sight of one eye | 50% ... iv) 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 ₹15,00,000 (Fifteen Lakhs) during any one period of insurance. ... i) Intentional self-injury suicide or attempted suicide physical defect or infirmity or ... ii) an accident happening whilst such person is under the influence of intoxicating liquor or drugs. ... the owner-driver is the registered owner of the vehicle insured herein; ... The owner driver is the insured named in this policy. ... the owner-driver holds an effective driving license ... Personal Accidental cover for Owner- Driver of the Insured Vehicle (if opted)","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER - DRIVER","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-section-iii"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-1-4"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-2-4"},{"clause":"3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-3-4"},{"clause":"Row 4","heading":"Interests Insured","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/77#c-row-4"}],"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":"cross-checked","value":["Consumable Cover","Parts Depreciation Protect","Engine and Gearbox Protect","Breakdown Assistance","Loss Of Revenue","Debris Removal Expenses","Additional Towing Expenses","EMI Protection Cover","Return To Invoice","Key & Lock Protect","Tyre Protect","Daily Conveyance Benefit","Preferred Garage Discount","Pay As You Drive","EV Shield","Loss To Personal Belongings","NCB Protector","Accidental Hospitalization Cover","Daily Hospital Cash Cover","Good Driver Benefit","Legal Assistance Cover","NCB Scaler","EMI Shield","New Vehicle Replacement"],"display":"Optional covers including zero depreciation (Parts Depreciation Protect), consumables, engine protect, roadside assistance, return to invoice","note":"Return to Invoice and New Vehicle Replacement cannot both be taken. Tyre Protect is offered only for vehicles with run flat technology.","quote":"• Optional Cover 1: Consumable Cover • Optional Cover 2: Parts Depreciation Protect • Optional Cover 3: Engine and Gearbox Protect • Optional Cover 4: Breakdown Assistance • Optional Cover 5: Loss Of Revenue • Optional Cover 6: Debris Removal Expenses • Optional Cover 7: Additional Towing Expenses • Optional Cover 8: EMI Protection Cover • Optional Cover 9: Return To Invoice • Optional Cover 10: Key & Lock Protect • Optional Cover 11: Tyre Protect • Optional Cover 12: Daily Conveyance Benefit • Optional Cover 13: Preferred Garage Discount • Optional Cover 14: Pay As You Drive • Optional Cover 15: EV Shield • Optional Cover 16: Loss To Personal Belongings • Optional Cover 17: NCB Protector • Optional Cover 18: Accidental Hospitalization Cover • Optional Cover 19: Daily Hospital Cash Cover • Optional Cover 20: Good Driver Benefit • Optional Cover 21: Legal Assistance Cover • Optional Cover 22: NCB Scaler • Optional Cover 23: EMI Shield • Optional Cover 24: New Vehicle Replacement","sources":[{"clause":null,"heading":"Product Introduction","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/76#c-product-introduction"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"cross-checked","value":"Yes. Repairs at a Digit network garage are cashless; at other garages you pay and claim reimbursement.","display":"Yes, at Digit network garages (6000+ garages)","note":"From the CIS. Several optional covers pay only, or pay more, when repairs are done at a Digit Authorized Repair Shop.","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 • For reimbursement claim - In reimbursement claims, You pay for the repairs and then submit a claim to us to get reimbursed for the expenses related to accident.","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-insurance-irdan158rpmt0045v01202425/document/77#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":"cross-checked","value":["Driving by any person other than a Driver as stated in the Driver's clause","Driving without a valid driving license","Under the influence of intoxicating liquor or drugs","Use otherwise than in accordance with the Limitations as to Use","Depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Consequential loss","Damage to tyres and tubes unless the vehicle is damaged at the same time","Theft of accessories unless the vehicle is stolen at the same time","Loss outside the geographical area stated in the schedule","Damage due to wilful negligence","Any kind of pre-existing damage","War, nuclear risks and contractual liability"],"display":"Unauthorised or unlicensed driver, drunk driving, use outside permitted purpose, wear and tear and breakdown, consequential loss","note":"Valid licence, wilful negligence and pre-existing damage items are from the CIS list of situations where a claim might be rejected.","quote":"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. ... i) Being used otherwise than in accordance with the Limitations as to Use or ... 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 ... c) Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time; ... 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. 2. Any Claim arising out of any Contractual Liability. ... nuclear weapons material ... War, Invasion ... • 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","sources":[{"clause":"24(d)(ii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-24-d-ii"},{"clause":"24(d)(i)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-24-d-i"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-5-d"},{"clause":null,"heading":"GENERAL EXCEPTIONS (Applicable to all sections of the Policy)","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"Row 11","heading":"Admissibility of Claim","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/77#c-row-11"}],"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":"cross-checked","value":"Insured's Declared Value (IDV), which is the sum insured: the manufacturer's listed selling price of the model adjusted for age depreciation, fixed for each policy year.","display":"IDV (manufacturer's listed selling price less depreciation)","note":"Vehicles over 5 years old and obsolete models: IDV agreed between insurer and insured. IDV is treated as Market Value for total loss claims.","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 ... 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-insurance-irdan158rpmt0045v01202425/document/75#c-5-c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wording - Digit Two-Wheeler Insurance - IRDAN158RPMT0045V01202425","pages":38,"fetched_at":"2026-10-16 06:29:34.852581+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/policy-wording-two-wheeler-insurance.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/75"},{"kind":"prospectus","label":"Prospectus - Digit Two-Wheeler Insurance - IRDAN158RPMT0045V01202425","pages":41,"fetched_at":"2026-10-16 06:29:34.852581+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/prospectus-digit-two-wheeler-insurance.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/76"},{"kind":"cis","label":"CIS - Digit Two-Wheeler Insurance - IRDAN158RPMT0045V01202425","pages":4,"fetched_at":"2026-10-16 06:29:34.852581+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/cis-two-wheeler-insurance.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425/document/77"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"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 Insurance (UIN IRDAN158RPMT0045V01202425), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-insurance-irdan158rpmt0045v01202425"}