Faridabad is the largest city in Haryana and has a hefty population of 1,404,653. It has a literacy rate of 83.04% and noted as the major industrial hub of Haryana. Around 50% of the income tax in Haryana is collected from Gurgaon and Faridabad, which is enough to prove the importance this city holds.

This vibrant state comprises of a beautiful mix of culture and heritage with a special place for folklores. The fair-like setup in suburbs of Faridabad is a perfect heaven for crafts and artistic approaches. This city has a special sector dedicated to industrial arenas and development works, giving this city a completely new look and image. Here, the share of passenger vehicles is at 95.6% and goods vehicles are at 4.4%. So, this city is one super busy example to work with.

Challenges faced by Car Owners in Faridabad

• Congestion: With a population of 1,404,653, it is not hard to realize that this city has a hefty rate of traffic jams on a daily basis. With businesses flourishing all over the city, people are likely to get cars and other personal vehicles at their services all the time. During the morning office hours, it is common to wait in a traffic jam for a few minutes to hours, just to get to your destination.
  
• Weather is not always suitable: Faridabad has borderline weather of hot semi-arid climate. There are three typical Indian seasons here, which are hot or pre-monsoon season lasting from late March to late June, wet or monsoon season and lastly the cool or winter months. The monsoon seasons are the worst for roads. Not only that, but Faridabad is also noted for landslides, cyclones and floods, which are enough to degrade the condition of roads.
  
• Increasing Theft count: Every year, around 36,000 vehicles, amounting to 115 crores, are stolen, among which, only 14,500 are traceable(1). Due to the un-roadworthy conditions and growth in the robbery, car owners always have to live with fear in their minds. In June 2019, news came into the limelight where an auto-lifter was arrested with sixty cases of vehicle theft solved by the Faridabad police.

In order to keep these issues at bay and your vehicle protected, it is mandatory to get hands-on the best car insurance that the city has to offer.

• Choice of insurance: There are two types of insurance that car owners can go for:
  
• a) Third-Party Cover: This policy covers you when you are legally held responsible to cause bodily injury or property damage to any third-party.
• b) Comprehensive Insurance Policy: This policy covers the cost of damages to your own vehicle caused by accidents, natural calamities, fires, riots, thefts, etc and also pays for the third-party claims, when you are at fault.
• Avoid Heavy Penalty: As it is mandatory to have third party insurance for car owners, driving without insurance will require you to pay up a fine of up to Rs.2000 in Faridabad. 
  
• Comprehensive coverage option: Digit’s Comprehensive policy provides all-round protection to your vehicle. Your car will remain protected from fire, accidents, theft, third party losses and natural disasters like floods, cyclones and landslides that affect Faridabad. If you want to broaden the basic coverage then you can always choose multiple add-ons under this policy.
  
• Add-ons suitable for Faridabad: Faridabad is known for its rash driving and congestion, which leads to an increase in the accident count. However, most of the time, repairing gearboxes or engines will not be covered unless the damage takes place during an accident. So, the engine and gearbox protection cover as an add-on will come handy. It will cover you against damages of the engine caused by the percolation of water into it during floods or cyclones in Faridabad. Considering the rise in theft in the city the Return to Invoice add-on becomes essential as it will help you to recover the full value of the car in case of a theft.