By law, it is mandatory for every car owner to have a valid vehicle insurance policy. The Motor Vehicles Act of 1988 mandates that every car owner needs to have a third-party insurance cover. Car insurance plans are designed to provide financial coverage for losses due to damages to your own car as well as damages to third-party property or life.

Unforeseen mishaps are very common on busy roads, especially in bustling cities like Chandigarh. So, if you are a resident of Chandigarh looking for a car insurance policy, opt for Digit Insurance. Their online claim settlement process makes it very easy to raise a claim in case of any mishap or unfortunate incident. Here’s more.

Known for its architecture and urban design, Chandigarh is a union territory and the capital of northern Indian states of Punjab and Haryana. This well-planned city was designed by a Swiss-French Architect Le Corbusier in the 1950s. Often called the 'City Beautiful', Chandigarh attracts a large number of tourists with its vibrant culture that has a mixture of both traditional Punjab and modernity. Some of the main attractions in Chandigarh include Rose Garden, Nek Chand's Rock Garden, Sukhna Lake, Leisure Valley, Government Museum, and Art Gallery.   

Challenges faced by the car owners in Chandigarh

Rogue driving: Rogue driving or road rage is a serious issue in Chandigarh. With the increased number of vehicles on the road, these cases have further gone up. Moreover, bad driving habits of a few drivers, such as drunken driving and honking unnecessarily, have disrupted the smooth flow of traffic, resulting in road rage incidents in the city.  

Traffic congestion: Traffic in Chandigarh is getting heavier every day. With the rising population and vehicles, the roads are becoming congested, especially during peak hours. As a result, police officials are not able to manage them properly. Such mismanagement leads to chaos, and commuters have to remain stuck in traffic for long hours.  

Poor road condition: Chandigarh roads are in a pitiable condition. Heavy rains in the city often cause the problem of potholes, which affects the vehicles to a great extent. It reduces the life and mileage of the automobiles and makes it difficult for the commuters to drive smoothly.

Considering the above challenges, it is necessary for car-owners to buy car insurance in Chandigarh. Digit Insurance is a trusted choice in India and is apt for those who want to buy an insurance plan in a relaxed and hassle-free manner. 

Choose from two types of car insurance policies:

• Third-party liability policy – It provides coverage for third-party injuries, accidental death, and even the damages caused to the other property.  
  
• Comprehensive car insurance – Along with third-party liability, this complete package protects you and your car in case of natural and man-made calamities such as theft, fire, floods, terrorist attacks, accidents, and much more. 

Protect yourself with personal accident cover: Due to increasing vehicles and potholes in Chandigarh, accidents have become a major issue. You cannot stop accidents from happening. But, you can surely secure yourself by availing Digit personal accident cover. It offers financial stability to the insured person and his family if he/she gets injured or dies in an accident. 

Avoid heavy fines: Driving without third-party car insurance can attract heavy penalties and fines. The fine for the first offence is Rs.2000, and for subsequent offences, you have to pay Rs.4000 from your pockets. In most cases, it can also lead to imprisonment for up to 3 months and cancellation of the driver's license. Hence, Digit's third-party insurance can be quite advantageous in such situations. 

Comprehensive policy to protect your car: Since third-party insurance only covers you for the third-party and property damages, Digit comprehensive car insurance can secure you to a much greater extent. It provides protection against the wide range of damages and injuries to your car, your passengers, and other property during accidents. 

Add-ons suitable for Chandigarh: The comprehensive car insurance policy does not cover various add-ons. Suppose you're driving, and suddenly your car gets hit by a pothole, causing the wearing of the tyres. Here, tyre protection cover can prove to be very beneficial to you. Moreover, passenger protects cover can help you in case of any bodily injuries caused to your passengers.