Famously known as the Silicon Valley of India, Bengaluru (also called Bangalore) is the capital of the Southern Indian state Karnataka. It is a well-known IT hub and is home to many national and international IT startups and corporations. Bengaluru is blessed with a pleasant climate, lovely parks, quirky cafes, beautiful palaces, and a modern metro system, which makes it the most livable city in India. Moreover, there are many options for shopaholics, such as commercial street, Brigade Road, MG road, and Chickpet. The culture here is very open as people from every corner of India live here.

Challenges faced by the Car owners in Bengaluru

Over-congested city - Traffic on the Bengaluru roads is getting worse day by day. According to a study on traffic and urban mobility across Indian cities, Bengaluru is India’s most congested city. Moreover, it is one of the toughest cities to commute by road, especially during morning and evening. The count of vehicle registration has crossed 80.45 Lakhs according to the Transport Commissioner V.P. Ikkeri.

Poor road conditions - Potholes and dust are the two main problems of the Bengaluru roads. Over 30,000 roads in Bengaluru are in poor condition. They are either worn out by heavy rains and floods or dug up by the Bangalore Water Supply and Sewerage Board (BWSSB). Such potholes and unscientifically constructed manholes make the commute very challenging for the car owners in Bengaluru. 

Heavy traffic and rogue driving - It is difficult to find a car without any scratch or dent in Bangalore. Heavy traffic is one of the major issues faced by car owners in Bengaluru. This is usually caused by the overflow of vehicles at specific times of the day. Because of this, many car owners drive from wrong sides, causing road accidents. Moreover, unmarked loops on the flyover are also the main reason for wrong side driving. 

Unfortunate Event - Nearly 300 cars got destroyed in a massive fire spread across the parking area of Aero Show 2019 in Yelahanka air base in North Bangalore on 23rd Feb 2019.

Being the second slowest city in India for road traffic, car owners suffer from any damages due to traffic, bad roads, and continuous thefts. Hence, it is crucial for them to buy car insurance in Bengaluru.

Digit insurance provides various types of insurance policies that you can choose according to your needs. Moreover, its car insurance calculator saves you from the hassle of doing manual calculations to find monthly premium on each policy. 

Choose from two types of car insurance policies

• Third-party liability policy – It protects you when you’re legally held responsible for an injury or damage to the third-part or property. 
• Comprehensive car insurance – It is the most valuable policy that protects both the third party liability and the insured car as well.

Avoid heavy fines - Third-party car insurance is mandatory to drive a car legally on the roads of Bengaluru. If you’re caught driving without insurance, you’ll be charged with harsh fines. The fine for the first offence is Rs.2000, and for the subsequent offences, it is Rs.4000. In some cases, it can also result in imprisonment for up to 3 months and suspension of your driving license. Hence, Digit third party insurance can prevent you from paying such heavy penalties.

Comprehensive policy to protect your car - Especially in Bengaluru, where car owners face the challenges mentioned above, a comprehensive policy can literally be a life saviour. This policy provides coverage against any damages sustained by the car, its driver, passengers, and also the third party. Also, make sure you renew car insurance in Bengaluru on time. Otherwise, if any damage happens after the expiry date, your car won’t be covered. 

Add-ons suitable for Bengaluru - If you think your comprehensive policy doesn’t cover everything, you can opt for various add-on covers in car insurance. For example, due to poorly constructed roads, potholes, and open manholes, there’s a high chance of any damages to the car engine and tyres. Engine and tyre protection cover can help you in such a scenario.