Ducati holds a long record for innovative products, mechanical development and electronic solutions that enhance the overall riding experience of motorcycle enthusiasts. The automaker concentrates on building a connected experience between the rider and the bike. 

However, Ducati is also known for its high-end offerings. Thus, is it necessary to opt for Ducati two-wheeler insurance to ensure maximum financial security.

Additionally, in 1988 the Motor Vehicles Act mandated a two-wheeler insurance policy for every Indian rider. In fact, riding any bike without proper insurance documents is considered a crime and applies hefty penalties and punishments.

Following are the car insurance add-ons available for Ducati bike insurance:  

• Zero Depreciation Cover
• Return to Invoice Cover
• Engine & Gear-box Protection Cover
• Consumable Cover
• Breakdown Assistance
• Tyre Protect
• Daily Conveyance Benefit
• EV Shield Add-on Cover

The “made in Italy” Ducati bikes are infamous for their Desmodromic Valve Actuation, futuristic technology and unconventional designs. The Italian automaker offers a vast range of model series, including Diavel, Monster, Multistrada, Hypermotard, Superbike and Streetfighter. Further, Ducati extends an enormous range of associated accessories and lifestyle and technical apparel in more than 80 countries globally.

In 2008, Ducati collaborated with Precision Motors India Private Limited, the luxury automobile importer, to enter the Indian automobile market. But in 2013, the company terminated its long-term venture with Precision. Ducati made a grand re-entry in 2015 independently, and since then, it has been focusing on expanding its business and service network portfolio.

Motorcycle insurance policy guarantees more than keeping you road-legal in India. Let us find out what more protections it offers.

1. Third-Party Protection - This is a compulsory policy by law, and any violation attracts legal backlash. It offers third-party liability protection in the event of accidental damages inflicted by your motorcycle to another vehicle, property or person.
2. Personal Accident Cover - The IRDAI has mandated PA cover for every two-wheeler owner to offer complete financial protection if the rider-owner dies or suffers from a disability in an accident. In such unfortunate cases, the insurer pays ₹ 15 lakh compensation to the victim.
3. Own Damage Coverage - Another benefit that your insurance for Ducati two-wheeler offers is Own Damage protection. In simple words, under this coverage, the insurance provider is liable to cover for the damages caused to your motorcycle due to accidents, floods, earthquakes, landslides, fire and other mishaps. 
4. Legally Compliant - As mentioned earlier, riding bikes without valid insurance documents is an offence. It will cost you hefty fines of ₹ 2,000 (for first-time violation) and ₹ 4,000 (for the subsequent ones). Other repercussions are driving license confiscation and prison for up to 3 months.
5. No Claim Bonus Benefits - A well-maintained bike does not demand frequent repairing and replacement works. For that, insurance providers reward their customers with a No Claim Bonus discount. Basically, if you do not claim your Ducati two-wheeler insurance for an entire year, you can earn discounts on policy premiums.

In this regard, Digit Insurance extends NCB discounts ranging between 20% and 50% based on the number of non-claim years.

When looking for insurance companies, there are several other factors to consider than Ducati two-wheeler insurance price. A few of them are the IDV factor, NCB discounts, policy customisation facility, add-on covers and more. Digit Insurance is one such option that provides all these facilities to ensure maximum protection. 

1. Vast Range of Policy Options - Digit gives you a range of options to help you secure a policy plan at your convenience. They are-
2. Third-Party Policy - As mentioned earlier, a third-party insurance plan is compulsory in India by law. It covers third-party liabilities raised by your motorcycle. Digit also handles litigation issues to help you avoid the hassles.
3. Own Damage Protection - Under this cover, Digit offers reimbursement or cashless repair options in the event of accidents, natural disasters, fire, theft and other unfortunate incidents. As this is a standalone cover, third-party policyholders net to opt for it separately against additional charges.
4. Comprehensive Policy - As the name suggests, a comprehensive insurance policy the most extensive coverage Digit extends. In addition to third-party protection, it also covers own damage expenses. Moreover, Digit lets its customers elevate its policies to maximise the benefits.
5. Online Availability of Policies - You can opt for any of these three insurance plans from the comfort of your home. Digit facilitates its customers with the option of Ducati two-wheeler insurance online. Just visit the official website and choose a plan as per your budget and requirements. You can even opt for Ducati two-wheeler insurance renewal online by signing in to your accounts.
6. Policy Customisation with Add-ons - Digit brings a vast category of add-ons that will help you to strengthen your base policy. The add-on list includes
   • Roadside assistance
   • Zero depreciation
   • Consumables
   • Return to invoice
   • Engine protection

Note: You can carry forward the add-on cover benefits by increasing your Ducati two-wheeler insurance renewal price.

7. IDV Modification - The Insured Declared Value is directly proportional to the premiums payable. So, if you opt for higher IDV, you have to pay higher premiums. But higher IDV ensures higher compensation in case your bikes get stolen or severely damaged. Digit gives you the option to increase or decrease the premiums at your convenience.

8. Online Claiming Option - Now raise a claim instantly in 3 simple steps.

   • Call on 1800 258 5956 to get a self-inspection link on your registered mobile number

   • Submit the images of your damaged bike on the link

   • Click on your preferred mode of repair from the given options- ‘Reimbursement’ or ‘Cashless’ to finish the process

9. Vast Chain of Digit Network Bike Garages - Digit has collaborated with over 2900 garages nationwide to offer you a seamless experience. Besides, you can opt for cashless claims against your two-wheeler insurance for Ducati.

10. Stellar Customer Support - Having any queries regarding your insurance for Ducati two-wheeler? Do not worry! Instead, connect with Digit’s 24X7 customer care executives to get instant and reliable assistance.

Furthermore, Digit lets us lower your insurance premiums. For that, you have to opt for voluntary deductibles and avoid unnecessary claims. However, lowering the Ducati two-wheeler insurance premium reduces the protection. So, seek the help of experts at Digit to make an informed choice.

Yes, there are a few methods which you can employ to reduce the premium amount for your two-wheeler insurance policy. Be it Ducati bike insurance renewal online or its purchase, you must check these tips discussed below to ensure that you are not paying more than what is necessary for your insurance policy:

• Purchase the Insurance Directly from the Insurer - Avoid any agent or broker while buying your insurance policy. Most insurance providers offer the option to buy their policies online by following a simple procedure. This facilitates you to purchase the policy directly from the insurance company and avoid any intermediary and their subsequent charges.
• Apply for the Add-Ons which are Absolutely Necessary - While finalising on the policy, check which add-on covers you really need. Every add-on cover adds to the premium amount, and you should be careful to avoid them unless you really need them.
• Check for No-Claim Bonus Benefits - No Claim Bonus benefits are offered to policyholders if they do not raise any claims against their policy in a year. This benefit is extended as a discount on the premium for the policy in the subsequent year.
• Opt for Voluntary Deductibles - You can opt for voluntary deductibles on your insurance policy that will require you to settle a part of your claims before your insurance coverage kicks in. If you opt for this deductible, you can consequently save on your premium payment for the policy.