Agra is a popular tourist destination in the state of UP that is famous for the Taj Mahal. The place attracts thousands of travellers each day and is also quite populated. The Yamuna Expressway connecting Agra with other areas is quite accident-prone. In addition, the roads of the city are filled in pot-holes leading to various mishaps.

Travelling on such traffic-ridden roads can be risky. So, if you have a two-wheeler, make sure to buy a bike insurance policy.Moreover, it is mandatory to have at least third-party vehicle insurance as per the Motor Vehicles Act, 1988. 

Thus, if you are looking for a two-wheeler insurance policy in Agra, Digit is a name that you can trust. To know more, read on.

Following are the two wheeler insurance add-ons available in Agra:

• 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

With a population of almost 16 lakhs, Agra is a city in the northern Indian state of Uttar Pradesh. It lies on the banks of the river Yamuna and attracts millions of tourists every year.

Agra is home to many iconic tourist attractions, such as the Taj Mahal, Agra Fort, Jama Masjid, Fatehpur Sikri Fort, Akbar’s Tomb, Mehtab Bagh, and Taj Museum. It is also known for its flourishing markets, such as the Subhash Emporium, Kinari Bazaar, Sadar Bazaar, and many more. 

Challenges faced by Two Wheeler Owners in Agra

• Frequent accidents - The Yamuna Express Highway near Agra is recognised as an accident-prone area. According to the RTI data, over 150 people have died this year on this deadly 165 km long expressway. The primary causes of these accidents are: tyre bursting, speeding, and fog during winter. Hence, to be secure in such a situation, you must have a two-wheeler insurance with PA cover or a separate health insurance to cover the cost of expenses incurred during hospitalisation.
• Heavy traffic on roads - Traffic jams are a nightmare on Agra streets as a high number of tourists visit here every day. Moreover, the roads are congested due to irregularly parked vehicles, and encroachment by hawkers on footpaths and pavements. This creates a lot of chaos and resentment among the commuters, leading to accidents.  
• Rains and poor road conditions - During monsoons, Agra is affected by heavy rains. Due to this, many two-wheelers get stuck on the waterlogged roads. And, if the water enters the engine, it may cause severe damage to it. Moreover, potholes and open manholes are the leading causes of fatal bike accidents. 

Due to the above challenges, buying two-wheeler insurance in Agra is highly necessary. Digit insurance can be a good choice for bike insurance in Agra. Because the process is completely online and hassle-free. The middlemen and the complex clauses are completely excluded from the process. Further, the claim procedure is self-inspection based and smartphone-enabled.

Choose between two types of bike insurance policies:

• a) Third-party liability policy - This policy provides coverage against any damage caused to the third party and property in case of an accident caused by your bike. 
• b) Comprehensive bike insurance - It protects you, your bike against any damages arising due to floods, riots, theft, fire, falling objects, etc. Your third-party liability is also taken care of under this policy.
• Avoid heavy fines - Driving without two-wheeler insurance can attract heavy penalties in Agra. As per the law, you’ll be liable to pay a fine of Rs.2000 for the first offence, and for subsequent offences, the fine increases to Rs.4000. You may also have to serve imprisonment for up to 3 months and your driving license might get cancelled. Thus, if you want to avoid such punishments in Agra, Digit’s Third-party insurance is a good option.
• Comprehensive policy to protect your bike - Considering the high rate of accidents, heavy rains, bad road conditions and bumper to bumper traffic conditions in Agra, you can not deny the fact that, your bike may get damages in such scenarios. So Digit’s Comprehensive policy can protect your bike in such cases. This policy provides full protection to your bike against the damages caused due to natural and man-made calamities and covers third-party liability as well. It will provide monetary assistance and legal assistance in case of an accident.
• Add-ons suitable for Agra - The poor road conditions in Agra may cause break down to your two-wheeler. So with Roadside assistance cover, you can call for help in case your bike breaks down. Calling for such help with this add-on is not even considered as a claim by Digit. Since thousands of bikers commute daily through the deadly Yamuna Express Highway, and the highway being notorious for the number of lives it claims every year, it becomes essential for them to buy a personal accident cover. This cover provides compensation to the biker in case of permanent disability or death in an accident. This add-on can be bought with the comprehensive policy and the stand-alone TP Policy as well.