Amritsar is a major cultural, economic and transportation centre in Punjab. Being the second largest city in the state and housing the famous Golden Temple, this city experiences a massive number of tourists and visitors each day. 

Apart from vehicle theft and frequent road accidents, the roads of the city pose a great challenge and risk for vehicle owners, specifically during the monsoon.

It is crucial for bike owners in the city to have a two-wheeler insurance policy. It will provide financial coverage in the event of an accident, theft or other damage.

Also, the Motor Vehicles Act of 1988 makes it essential for vehicle owners to own a third-party insurance cover. Hence, if you are looking for a bike insurance policy, consider Digit. The claim settlement process is completely online and negates the submission of document hard copies.

To know more about what Digit offers, read on.

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

• 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 over 55 lakhs, Ahmedabad is the largest and the most populous city in Gujarat. It is India’s first UNESCO World Heritage city and is located on the banks of the Sabarmati River.

Ahmedabad is also known as the commercial hub of Gujarat and is a rapidly growing metropolis and an educational hotspot. This vibrant city is home to many popular tourist destinations such as Swaminarayan Temple, Sabarmati Ashram, Kankaria Lake, and World Vintage Car Museum.

Challenges faced by Two Wheeler Owners in Ahmedabad

• Increased vehicles on roads causing accidents - With the growing number of vehicles every year, it has become tough for the two-wheeler owners to drive comfortably on the Ahmedabad roads. According to official data, 2019 has witnessed a total of 726 road accidents as of June. Additionally, the rate of fatal accidents involving two-wheelers is higher than that of other vehicles. Hence, having a two-wheeler insurance is essential to protect your vehicle from damage, along with a PA cover that can provide coverage from medical expenses incurred during an accident. You can also have a separate health insurance plan to protect you in the event of a health emergency. 
• Frequent thefts - This is one of the most concerning issues among the two-wheeler owners in Ahmedabad. As per the official reports, 489 vehicles have been stolen until April 2019, which included 398 two-wheelers. Out of them, the police are only able to track down 24% of the vehicles. The recovery rate of these vehicles is low, as thieves often sell them to random customers in neighbouring states. 
• Poor road condition - Ahmedabad experiences heavy rainfall during the months of June-July. This results in the severe condition of potholes and open maintenance holes on many streets, resulting in deadly accidents. In October 2019, a 25-year-old woman doctor died after a two-wheeler, on which she was sitting behind her brother, hit a pothole. She fell off and was crushed under a truck coming from behind. 

To safeguard themselves from the challenges mentioned above, people must buy two-wheeler insurance in Ahmedabad. Digit insurance provides two base policies along with add-ons to further customise them.

These add-ons will widen the scope of coverage. Besides providing policies, Digit also provides 24*7 customer service assistance and superfast claims. From buying a policy to settling them, all the processes are just a click away.

Choose from two types of bike insurance policies:

• a) Third-party liability policy - If a third party suffers in an accident caused by your vehicle, this policy pays for their loss, may it be bodily injury or property damage. 
• b) Comprehensive bike insurance - Along with third-party liability, it provides complete protection against damages caused to your two-wheeler due to natural calamities, accidents, fires, etc. 
• Avoid heavy fines - It is mandatory to buy third party two-wheeler insurance in India. If you are caught driving without insurance in Ahmedabad, you will have to face some severe consequences. For example, for the first offence, you’ll be charged with Rs.2000, and for further offences, the fine is Rs.4000. This can also result in imprisonment for up to 3 months. Thus, buying third-party two-wheeler insurance will fulfil your legal mandate.
• Comprehensive policy to protect your bike - Comprehensive two-wheeler insurance is essential for the two-wheeler owners in Ahmedabad. It covers damages to your two-wheeler caused by road accidents, floods, theft, vandalism, and falling objects. It pays the third-party claims on your behalf. With poor road conditions and an ever-increasing number of vehicles, two-wheeler owners in Ahmedabad must ideally go for a comprehensive policy. 
• Add-ons suitable for Ahmedabad - Add-ons are designed to broaden the scope of the comprehensive cover. They provide extra protection to your bike. Return To Invoice cover can be very helpful in Ahmedabad to face any probable theft. If you have this cover and your bike gets stolen, then the insurer will pay you the full value of your bike that is mentioned in the invoice of the bike. Personal accident cover takes care of your financial liabilities in case you suffer from a permanent disability or death in an unfortunate accident. Since bikers in Ahmedabad stands vulnerable to severe accidents in the roads full of potholes, this cover will prove to be of utmost value.