“The Gateway of Uttar Pradesh”, Ghaziabad is a crowded city in Northern India.  It is a vast and modern city, connected by railways and roads and it is the authoritative central station of Uttar Pradesh. This city impresses with the urbane culture and dynamic industries.

Ghaziabad is a place for a lot of industries such as electric locomotive and EMU trains, bicycles, pottery, paint and varnish, metal chains, etc. A majority of the citizens from the City engage in the above industries for fulfilling their livelihood. Apart from that, Ghaziabad is all set to host visitors for its numerous shopping malls, restaurants, and night-clubs.

Challenges faced by Car Owners in Ghaziabad

• Industrially Polluted City: Ghaziabad is a city full of different industries. Those industries produce a huge amount of pollution. The urbanization of the city has increased the number of vehicles, especially four-wheelers. Both of these factors produce heavy pollution and smog in a combined manner. So to eradicate such situation the Government continuously forces to replace or repair the car engines or cars. According to the RTO, a user can use his car up to 15 years but due to pollution, the life span of the car decreases. 
• Rough and Reckless Driving: Depicted as the fastest growing city of Uttar Pradesh, Ghaziabad is highly populated. Recently the traffic police have fined 1016 vehicles for various traffic rule violations. Out of them, one third is from drunk-driving cases which can cause up to 15000 fine. According to a survey, it is found that Ghaziabad has witnessed 374 road accidents, which led to 151 fatalities, in the last five months of 2019, and the reason behind such disaster is the rough driving, drink and drive and many more.
• Deadly Potholes on Road: Due to a significant number of industries in Ghaziabad, the heavy-duty trucks and lorries are involved in exporting and importing materials that put a huge load and create a large number of potholes on the poorly constructed roads. The road condition of Ghaziabad is worsening every day because of this reason. These potholes can damage any car and can create an unsatisfactory journey. 

Nowadays, car insurance is a compulsory proceeding that one should follow after buying a car. Car is a valuable asset for every owner. So it is quite obvious to insure your car. Digit car insurance will surely assist you to insure your car in an easy and hassle-free online way.  

• Choice of Insurance:  There are two types of insurance that you can choose for your car-
• a) Third-Party car insurance - This policy takes the responsibility of paying the third-party claims on your behalf when you are responsible to cause bodily injury or property damage to them.
• b) Comprehensive car insurance -  This policy helps you to recover the cost of own damage to your car caused by accidents, thefts, natural calamities, vandalism, etc. The third-party coverage is also included under this policy.
• Penalty Avoidance: To drive legally on the Indian roads, It is compulsory to have third-party car insurance in India. The penalty amount for driving without insurance is ₹2000 or/and imprisonment for 3 months for such offence. It is impossible to get away with driving without valid insurance on the roads of Ghaziabad.  
• Protection Under the comprehensive cover plan: Opting for a comprehensive insurance policy in Ghaziabad is always preferable as it protects you from third-party liabilities and also covers for damages due to the above-mentioned challenges. Meanwhile, it is a complete shield that provides complete coverage against damages to your car, third party liability and also damages caused due to natural calamities, thefts, fire, accidents, and vandalism.
• Add-ons Suitable for Ghaziabad: To get the extended benefits of comprehensive cover, you can include various add-ons. Suppose your car faces a breakdown after you bumped into a deadly pothole on a road of Ghaziabad, what will you do? If you have a comprehensive policy with a Breakdown Assistance add-on then you can call for the help. Considering the fatalities in the road accidents in Ghaziabad, the Personal Accident Cover becomes essential. This will take care of your financial liabilities if you suffer from a permanent disability or death in an accident. Similarly, there are other add-ons named Engine & Gearbox Protection, Consumable Cover, etc are available that you can explore.