Car Insurance in Jammu

Jammu is the winter capital of the Union Territory of Jammu and Kashmir. People call it the city of temples, and it thrives on tourism. The roads of this city experience high traffic conditions most of the time, and thus for a vehicle owner in this city, having a car insurance policy is crucial.

A car insurance policy ensures that you do not suffer from financial setbacks in case of an accident. Moreover, the Motor Vehicles Act of 1988 has made it mandatory for all car owners to own atleast a third-party insurance cover.

If you are considering buying a car insurance policy, there are many big names to choose from. A reliable one among them is Digit. Read on to find out more.

Following are the car insurance add-ons available in Jammu:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

Home to monks, great meditators and mystics. Jammu is the winter capital of the state and is especially known for its pilgrimage. The main attraction of Jammu that lures the millions is temples here. Particularly the Vaishno Devi Temple in Katra is visited by over 10 million pilgrims every year. 

This visit encourages Jammu as the most travelled city in India. Despite its breathtaking beauty, Jammu’s mountains and peaks are gorgeous. The altitude and turns that these hills are carved with are dangerous enough to make the city hold a record of the highest number of accidents.

Jammu and Kashmir rank second across India in the tally of road accidents per 10,000 vehicles with an average of over 900 deaths every year in the last five years, according to the union ministry of road transport and highways.

Challenges Faced by Car Owners in Jammu

• Steep Hills: Although its a boon of nature over Jammu to have such a mesmerizing beauty. The same nature has also turned a bane for many travellers. These hills and roads witness hundreds, if not thousands, of accidents every single month. 
• Traffic Across the World: Too many vehicles are gathered here in Jammu, from across the world. From a tourist perspective and from a pilgrimage point of view, this place is been significantly serving both. In the seek of peace and harmony, this city has traffic from different places and hence the traffic discipline becomes hard to maintain. In this situation at least one or two-car has to get crashed. 
• Kind Neighbours: India is blessed with amazing neighbours who never fail to interrupt the intranational activities. Sarcasm is very much intended though. However, Road Accidents Killed 46% More People In J&K Than Armed Violence Over 13 Years. 

Digit Car Insurance comes with the package of car insurance policies that are designed especially for Jammu. While travelling for trips, your travel modem is the most concerned stuff. Without a car, neither the journey nor the trip could be enjoyable. Here is where Digit Car insurance safeguards your car and a journey.

• With Digit Car Insurance Policies You are Safer: Third-party Liability Policy that stays by your side even if you have crossed boundaries but not the rules. When you are blamed for the damage of physical injuries or property damage to any other party, Digit Third-party car insurance policy pays you on behalf of you. Whilst if your own car is damaged, Digit Comprehensive Policy helps you out with customizable add-ons to flexibly and efficiently extend the car insurance coverage. 
• Saves You on Traffic Fines: To have a third party car insurance in India while you are driving legally on the roads is must-have stuff. As the fine charged for driving a car without insurance on Indian roads is ₹2000 and/or imprisonment for 3 months if caught for the first time. And ₹.4000 and/or imprisonment for 3 months if it’s your second time. Having Digit 3rd party car insurance saves you from that extra undue amount of liability which may arise if you are held responsible for the loss of any third party but do not cover any damage to your car.
• Safeguard Your Car with the Comprehensive Insurance Policy: When driving on the hills with steep curves, Comprehensive car insurance in Jammu will protect your car against many traffic happenings. The policy covers third-party liability and damages to your own car as well. This ensures the safety of your car in natural calamities as snowfalls or even man-made damages if any. This cover is a must in a politically disturbed region like Jammu.
• Claim the Add-ons Applicable for Jammu: When in Jammu, you might not be aware of the rules there. With Digit car insurance, you have a provision to claim the add-ons that are suitable to Jammu terrain. For instance, a “Breakdown Assistance” can be very helpful if your car faces an engine failure and you are stuck in some hilly road.