Noida is a planned city in the Northern Indian state of Uttar Pradesh. It is one of the most affordable commercial hubs in Delhi NCR. With a substantial green-cover throughout the city (50% green cover) it is also famous for its tall buildings and other tourist attractions, such as Worlds of Wonder Water Park, DLF Mall, and Okhla Bird Sanctuary.

Challenges faced by Car Owners in Noida

Even though the grass might seem greener on this side, driver’s moving through the roads in Noida face certain challenges every day.

• Frequent road accidents: Road accidents are one of the biggest concerns of car owners in Noida. Yamuna Expressway that connects Greater Noida and Agra has seen over 150 deaths in 2019 alone. In August, four IT professionals died on this highway after their SUV fell into a 30 feet ditch alongside the road. Tyre busting, collision, and over speeding are some of the leading causes of such accidents. 
• Traffic congestion on roads: Smooth driving is a dream for many in Noida. The biggest reason for this is the traffic congestion on main roads, especially during peak hours. At various intersections of the city, commuters are forced to drive slowly because many buses and autos halt in the middle of the main roads to drop and pick their passengers, leaving no space for commuters. Some of the busiest routes in Noida are Rajnigandha Intersection, Mamura Chowk, Sector 62 Intersection.
• Poor road condition: Due to heavy rains in Noida, the roads and streets are filled with potholes, which make the daily commute tiring and time-consuming for the car owners. According to the Government data, potholes and rough patches have been identified at 1306 locations across Noida. These potholes not only affect the vehicle alignment but also damage the suspension of the cars. 

Due to traffic congestion, over speeding, and deadly potholes, accidents have become a serious issue in Noida. Digit Insurance can help you with car insurance policy and the right add-ons to give you wholesome protection to your car.

Digit just doesn’t limit itself to providing insurance plans, it flaunts a record of a high claim settlement ratio. The smartphone-enabled self-inspection based claim process makes the whole experience hasslefree. It has also tied up with a large number of garages across India to offer you cashless repairs. A 24*7 customer care is there at your beck and call.

Choice of car insurance policies:

• a) Third-party liability policy - It is a policy that provides coverage against the injury or death of the third party or damage to their property, because of an accident caused by you. 
• b) Comprehensive car insurance - This policy covers the loss or damage to your car arising due to natural and man-made calamities. This also protects against your third-party liability. 
• Avoid heavy fines: To implement the rules laid out in the Motor Vehicle Act, Noida police have been carrying out a strict inspection for vehicles. Driving without third-party car insurance is illegal in Noida. For driving without insurance, you will attract a fine of Rs.2000 for the first time and Rs.4000 for subsequent offences. Other punishments include imprisonment for up to 3 months and suspension of driving license. 
• Comprehensive policy to protect your car: Road accidents are common in Noida. To safeguard yourself against the damages arising due to such serious accidents, Digit’s comprehensive policy will be an ideal option. It not only protects against the third-party liability but also covers for the damages and losses to you and your car. Frequent road accidents in Noida because of its proximity to the Expressway and heavy traffic, make the comprehensive policy a better choice for car owners. 
• Add-ons suitable for Noida: If a comprehensive policy is not enough to protect your vehicle, you can opt for various add-ons for extra charges.  Taking into account the rising number of accidents occurring in expressways, Digit’s Personal Accident Cover provides financial assistance to the owner-driver of the car in case he/she suffers from a permanent disability or death in an unfortunate accident. To further enhance this cover, the Passenger-Protect cover can be useful in the case of any bodily injuries suffered by car passengers. During heavy rains, if the water goes into the car engine, it may cause severe damage to it. Hence, Engine Protection cover can be your life saviour in such situations.