Car Insurance in Delhi

Delhi, the capital city of India. It’s a metropolitan city, which has its shares of ups and downs, not just culturally but politically as well. But, no matter whatever the changes might have taken place, the heritage, culture and religion of this city remain unchanged for future generations to enjoy. Delhi’s culture is a perfect blend of modernistic lifestyles with its special place towards old tradition and values.

With a whopping count of 1.9 crores as population, Delhi is one of the busiest and highly populated cities in India. However, the total number of motor vehicles in Delhi roads were around 109.86 lakh as per a survey report from March 31st, 2018. The cars & jeeps have been numbered at 32.46 lakhs, and the count of auto-rickshaws are now at 1.13 lakhs

Challenges faced by Car Owners in Delhi

• Congestion: Thanks to Delhi’s massive and unimaginable population, there are private and public vehicles always on the road. This city is always up and running. Even though the Delhi police has taken the initiative to free up congestion by 2020, it is a dream which is hard to fulfil. Private cars are growing in numbers and that’s why the number of road accidents is always on the rise.
  
• Strikes & Protests: Being the political hub of India, there is always a chance of strikes and protests which may cause riots. So the vehicles always stand vulnerable to get damaged in such man-made chaos.
  
• Pollution: The weather is not always a stronghold in Delhi. This metropolitan city in India is known to have the highest pollution rate in the world, which is affecting its weather to a great extent. Its generic climate is an overlap between monsoon based humid subtropical and semi-arid arena with high variation between winter and summer temperatures. So, chances are high that such bad weather conditions will affect the roads drastically, ending towards negative results.
  
• Theft: With such growing numbers of cars, theft and robbery are common here. A news report was placed in July 2019, where robbers hit a Jaguar car from behind and then snatched the car at gunpoint. Such news can not be stated as uncommon in such a busy and heavily populated city like Delhi.
  

So, if you own an expensive car and want to keep it protected, nothing can beat the importance of car insurance. Even if anything happens to your vehicle, you will get the damages covered with ease.

Digit insurance follows a complete online procedure for everything. From buying to claiming everything can be done at the comfort of your smartphone. This is completely suitable for the fast-paced lifestyle of Delhi. Other advantages include:

• Choice of insurance: Two types of car insurance are at your disposal- 
  
• a) Third-party insurance: When you are at fault and caused bodily injury or property damage to a third-party, this policy will settle the TP claim on your behalf.
• b) Comprehensive Insurance: This has two components in it: Own Damage Cover & Third-party Cover. This covers the cost of damage to your own car (caused by accidents, natural calamities, thefts, fires, etc) and the third-party liabilities as well.
  
• Law Abiding: It is mandatory to have third party insurance and carry a copy of the same while on the road. Driving without insurance will invite a penalty of up to Rs.2000 and it is not something you can get away within the city of Delhi.
  
• Complete coverage at your service: You will get your car protected from theft, accidents and fire under a comprehensive package. Delhi being a politically volatile place, chances of disturbances are higher in which your vehicle may get damaged. So a comprehensive plan will keep you ready to face such unfavourable situations. 
  
• Add-on covers suitable for Delhi: Thanks to add-ons from Digit Insurance, now your car gets a broader cover in Delhi. “Zero-dep Cover” is perfect for those cars which are less than 5 years old. Zero depreciation helps in nullifying the depreciation charged on cars and its parts. So, you will receive complete value of costs, repairs and replacements during a claim. Return to invoice is another add-on relevant for Delhi since thefts are high in Delhi. Add-ons like passenger cover, breakdown assistance may also be opted for additional safety.