Car Insurance in Kolkata

The Motor Vehicles Act of 1988 has made it essential for all vehicle owners in India to purchase at least third-party insurance policies. It makes sure that you do not have to face financial losses due to accidents or other mishaps on the road.

If you are a car owner in the city of Kolkata, the business and financial hub of Eastern India, having a car insurance plan is essential.

When you look for a car insurance plan, there are a lot of big names in the market. Among them, Digit is a company that stands out. It has thousands of network garages all over India. If you want to know more about Digit and its car insurance plans, read on.

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

• 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

Even the utterance of the word Kolkata takes us all back to the pre-independence era. India’s former capital and the busiest city that has entitled to ‘City Of Palace’ - Kolkata. The city ranks 3rd in India for the establishment of Metropolitan City. 

The underwater metro project was inaugurated for the very first time in Kolkata under the river Hugli. Indian Museum, Netaji Bhavan, black hole, science city, are the places that invite tourists from around the world. And Bengal Tigers are always welcoming to wildlife enthusiastic. 

Kolkata in terms of transportation and commute has made its mark in record books. Netaji Subhas Chandra Bose international airport is the 5th busiest airport in India that renders services to about 19.9 million passengers annually. In such a city, driving a private car without precautions would result in disaster, literally. Stats already showcase that around 5,000 road accident deaths are caused annually in West Bengal, recording the maximum number of road mishaps, according to the Ministry of Road Transport and Highways.

Challenges Faced by Car Owners in Kolkata

• Poor Road Construction: The city of Palace, unfortunately, fails to construct the roads to the palace. Car Drivers have been reporting about the poor and narrower road construction in the city. Although the ministry of roads has seen to be taken in charge of the same, road accidents are still persisting.
  
• Disobedience of Traffic Rules: Due to political influence especially, traffic rules are seldom followed. The government appeared to be reactionary by installing certain speed limits on the roads. However, only commercial vehicles have resulted to follow them.
• Roads Dense with Commercial Vehicles: Kolkata carries heavy roads with good carriers. About 45% of the road traffic is occupied with commercial and heavy vehicles. As a result, private cars get only 50% of the road to use.
• Political Disturbances: Kolkata often hits the news because of the political disputes and strikes performed by many trade unions. Sometimes such situations lead to riots in which private properties like cars suffer from massive damages. 
• Cyclone & Floo: Being a part of Bengal, Kolkata always stands vulnerable to cyclones that are formed in the Bay Of Bengal. Cyclone “Fani” was the recent one that caused damages to properties. Kolkata is always found in the list of the most flood-prone coastal cities and is located on the banks of the river Hooghly.

• Car Insurance Policies in Kolkata: As the political influence is already high in the city, you cannot withstand the claim unless you yourself have a political backup or Third-party Liability Policy. The compensation of your car damage can be managed with Digit Comprehensive Policy. 
• Precaution is Better than Penalties: Across India, ₹2000 is charged fine against the car driver who drives without third-party car insurance. If the amount is unpaid, the driver may be imprisoned for 3 months for the first time. And ₹.4000 and/or imprisonment for 3 months if it’s the second time. Digit third party car insurance assures you the safety against the accused damage to any third party vehicle.
• Add-ons Suitable for Kolkata: With Digit Car insurance policy, you can always choose various car insurance add-ons suitable for Kolkata. For instance, “Return to invoice” can be really helpful if you suffer from a complete loss of car during political disturbances. You can add “Engine protection cover” to fight heavy rains and flood conditions.
• Comprehensive Car Insurance Policy for Private Cars: In case the habitats of Kolkata happen to hit you up, Digit Comprehensive car insurance in Kolkata will compensate for your car damage loss. The Comprehensive insurance policy covers both, third-party damages and your own car damage. 
• Own Damage Car Insurance: This policy covers loss and damage to your own car, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party car insurance policy.