Ranchi is the capital and one of the oldest cities in Jharkhand. Its rapidly developing economy, special economic zones and industrial areas make it teeming with thousands of people.

Thus, to safely commute with your car on the roads of this city, a car insurance policy is a must. This will help you avoid unnecessary financial loss due to unforeseen accidents. Moreover, the Motor Vehicles Act of 1988 has made it mandatory for every vehicle owner to purchase a third-party insurance plan.

So, if you are looking for a car insurance policy, try Digit. You can choose between a comprehensive or third-party plan with affordable premiums, add-ons, online claim settlement and more.

Here’s more.

Ranchi, the capital of mineral-rich state Jharkhand, lies along the Subarnarekha river. With a population of almost 10.7 lakhs, it is a well-industrialised city and a favourite tourist destination in Jharkhand. Major tourist attractions include Ranchi Lake, Jagannath Temple, Dassam falls, Shaheed Chowk, Machli Ghar, and Muta Crocodile Breeding Centre. Ranchi is also known as the 'City of Waterfalls', and the visitors often get mesmerized by the beauty of nature that surrounds this peaceful city.   

Challenges faced by the car owners in Ranchi

Frequent road accidents: Every year thousands of people lose their lives due to road accidents in Ranchi. Ranchi-Jamshedpur Highway has been identified as an accident-prone area. This is one of the busiest roads in Jharkhand and is filled with many potholes, which makes the journey unbearable. Moreover, the never-ending construction work damages the road, resulting in accidents. 

Congestion and heavy traffic: Traffic jams and congested roads is another serious challenge faced by car-owners in Ranchi. Peddlers selling goods along the main road and improper parking facilities create resentment among the commuters. Moreover, roads leading to important places like airports, railway stations, schools, and colleges, remain blocked most of the time due to carelessly parked vehicles and encroachment by hawkers. 

Deadly potholes: Potholes are a nightmare for car drivers in Ranchi. They not only reduce the life of the vehicle but also damages the vehicle alignment and suspension. In some cases, it can even wear out the tyres, leading to serious accidents. The cases of car accidents increase during heavy rains as these potholes are not visible due to waterlogging. 

Buying car insurance policy in Ranchi is crucial for driving safely on the roads. Any single case of a car accident can wipe out all your savings. Digit car insurance offers its customers various types of plans that come with a range of benefits. 

Choose from two types of car insurance policies

• Third-party liability policy – It is a cover under which the insurance company covers any damages to the third-party involved in the accident caused by your car.  
• Comprehensive car insurance – It provides complete protection against the damages caused to you, your car, and the third-party in the event of accidents, floods, theft, fire, vandalism, and other calamities.  

Personal accident cover: Due to the high chances of accidents in Ranchi, it is advisable to opt for a personal accident cover to safeguard you and your family. Suppose you lose your eye-sight in a car accident and are unable to do any work. In such a scenario, Digit personal accidental insurance can reimburse your medical costs, and also provide an assured sum to your family for a secured future.  

Avoid heavy fines: The benefit of having third-party car insurance in Ranchi cannot be stressed enough. Driving without one can attract a fine of Rs.2000 and imprisonment for up to 3 months. Moreover, it is also necessary to renew car insurance in Ranchi every year to avoid a sudden financial crunch. Hence, you can choose Digit third-party insurance for a quick and stress-free renewal process. 

Comprehensive policy to protect your car: Having third-party car insurance is a must in Ranchi. But, if you want complete coverage, Digit comprehensive car insurance can be a good option for you. It not only protects you against the third-party liability, but also protects against the damages caused due to accidents, potholes, burglary, and congested roads. 

Add-ons suitable for Ranchi: Along with the comprehensive policy, you can also include various add-ons for extra protection. Due to the problem of potholes in Ranchi, your tyres and engine can get severely damaged. Here, tyre and engine protection cover can be a suitable option.