Being the most populous city in Punjab, Ludhiana is one of the busiest places in India. Considering the high traffic, the roads of Ludhiana are prone to accidental risks. Therefore, the car owners of this city need to opt for a car insurance policy from a reliable provider like Digit.

As car insurances provide financial assistance to cover the damages and losses caused to your and third-party properties, it can be beneficial at times of unforeseen incidents.

Moreover, as per the Motor Vehicles Act 1988, every Indian vehicle owner must procure a third-party car insurance policy. When you purchase a car insurance plan from Digit, you can choose between comprehensive and third-party insurance policies at affordable premiums. Read further to know about the insurance policies and choose a car insurance plan according to your convenience.

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

• 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

The largest city in Punjab and in the whole Northern terrain holds the heritage of India. Ludhiana has significant importance in the history of India. Besides, it has an amazing natural beauty that literally resembles paradise. Floral and faunal beauty is nature’s crown to Ludhiana. Those who love to explore nature could never miss Ludhiana to count in. 

This immense natural beauty has a bane of man-made roads and their behavioural mashups over the road. Whilst experiencing the dream-like beauty of delicate nature, the harsh reality of road accidents is a waking alarm.

Times of India, in Sept 2019, trolled the situation of roads of Ludhiana. Well, the conditions of the roads are truly disturbing. The city has traffic from all over, but the roads are not all worth serving them. 

Challenges Faced by Car Owners in Ludhiana

• Improper Roads: Ludhiana roads are an absolute mess. Especially for the vehicles that are using those, do not deserve them. A lot of the population in Ludhiana, domestic and immigrant, both use quite decent vehicles. The situation of the road is such that, these decent cars can’t help but damage themselves.
  
• Stray Cattle Occupy the Road: During every winter, the traffic is stuck due to stray cattle on the roads. These creatures run long the roads creating a mess. In such situations, even traffic authorities couldn’t do anything besides surrendering to a chaotic situation.
• Unsafe Bridges: Bridges everywhere are a bit delicate than roads. In Ludhiana, bridges are unsafe due to maintenance and terrible traffic. 

To the city like Ludhiana, traffic rules couldn’t do justice. Digit Car Insurance policies could at least give justice to your car maintenance charges. 

• Digit Car Insurance Policies for Ludhiana: Digit provides three types of car insurance. Comprehensive Car Policy in Ludhiana will cover you against the car damage that prevailed through improper roads or cattle along with third-party claims. Also, you can opt for Third-party Liability Policy only, which will cover the third-party injury or property damage. Or you can opt for Own Damage Insurance, which 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.
• Minimum Car Insurance Policy to Save You from Unnecessary Fines: Driving without third-party car insurance in India is a punishable act. An amount of  ₹. 2000 is chargeable or/and imprisonment for 2 months can be imposed. Having Digit third party car insurance will save you on charges and punishments. And will also save you with the penalties for damage of other cars on roads due to you.
• Personal Accident Cover to Comfort You After an Accident: As the roads in Ludhiana become particularly unsafe during winter due to fog, the chances of severe accidents increase. A personal accident cover will pay you in case of bodily injuries, permanent disability resulting from an accident, and even death. It also supports your family financially in case of your death or a permanent disability. Additionally, you can opt for Digit’s health insurance, which offers comprehensive hospitalisation coverage post-accident.
• Fully Customizable Car Insurance Add-ons for Ludhiana: Getting customizable add-ons for your car insurance policy is a cherry on the cake. For instance, in Ludhiana, you can go for a ‘Tyre protection’ to face the bad road conditions.