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Go Digit Zero Depreciation Bike insurance
Go Digit Zero Depreciation Bike Insurance is an add-on cover that helps you get a higher claim amount during bike repairs. In a normal insurance claim, the value of bike parts is reduced because of depreciation. With zero depreciation cover, this reduction is not applied. This means Go Digit pays the full cost of damaged parts like plastic, rubber, and fibre, without cutting their value due to age. It helps lower your out-of-pocket expenses after an accident. This add-on is useful for new and high-value bikes and can be added to comprehensive or standalone own damage bike insurance. It offers better financial protection and makes repairs less stressful.
Inclusions & Exclusions of Go Digit Zero Depreciation Bike Insurance
Go Digit Zero Depreciation Bike Insurance is an add-on cover available with comprehensive or standalone own damage bike insurance. Below are its key inclusions and exclusions:
Inclusions
Pays the full repair or replacement cost without applying depreciation.
Covers bike parts like plastic, rubber, fibre, and glass without reducing their value.
Covers damage caused due to accidents, fire, theft, and natural disasters.
Allows cashless repairs at Go Digit’s network garages.
Reduces the amount you need to pay from your own pocket during a claim.
Exclusions
Total loss or theft claims are settled based on the insured declared value (IDV).
Damage caused while riding under the influence of alcohol or drugs.
Riding the bike without a valid driving licence.
Normal wear and tear, ageing, or mechanical and electrical failures.
Certain parts like tyres, tubes, nuts, bolts, and lubricants, unless mentioned in the policy.
Mandatory deductibles that must be paid by the policyholder.
Bike Insurance Plans By Go Digit
Benefits of Go Digit Zero Depreciation Bike Insurance
Here are some key benefits of Go Digit Zero Depreciation bike insurance: No depreciation deduction You get a higher claim amount as depreciation is not reduced from the repair cost.Full claim value Helps you receive almost the full repair cost during a claim.Covers costly bike parts Protects expensive parts like plastic and fibre without lowering their value.Lower repair expenses Reduces out-of-pocket costs after an accident.Ideal for new bikes Best suited for new or high-value bikes with costly spare parts.Useful in heavy traffic Helpful for riders in busy areas where minor damage is common.Affordable add-on Comes at a reasonable cost while offering strong financial protection.
Here are the steps to buy Digit zero depreciation bike insurance easily:Step 1: Enter Bike Details: Visit the Go Digit website or open the Digit App. Enter your bike’s registration number and click on View Prices.Step 2: Choose the Insurance Plan: Select Comprehensive Bike Insurance or Standalone Own Damage Bike Insurance. Then choose the Zero Depreciation add-on from the available add-ons.Step 3: Enter Personal and Nominee Details: Fill in your personal details, nominee information, and bike details carefully.Step 4: Complete Payment and KYC: Make the payment online and complete the mandatory KYC process. Once done, the policy will be issued and will be available on the Digit App and via email.
How to Buy Go Digit Zero Depreciation Bike Insurance?
FAQs
Go Digit Zero Depreciation Bike Insurance is an add-on cover that helps you get a higher claim amount by removing depreciation deductions on bike parts during repairs.
In normal claims, the value of bike parts is reduced due to age. With zero depreciation cover, Go Digit pays the full cost of eligible parts without reducing their value.
It generally covers plastic, rubber, fibre, and glass parts without applying depreciation.
No, it is an add-on that can be purchased along with comprehensive or standalone own damage bike insurance.
No, in case of total loss or theft, the claim is settled based on the insured declared value (IDV) of the bike.
Tyres and some consumable items are usually not covered unless specifically mentioned in the policy terms.
This add-on is ideal for new bikes, high-value bikes, and riders who want to reduce out-of-pocket repair expenses.