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 Amritsar:

• 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

Aurangabad, a city in the state of Maharashtra, is a major production centre of cotton textiles and artistic silk fabrics. With a population of over 11.8 lakhs, it is the thirty-second populous city in India and is a famous tourist hub with bustling markets, historical monuments, and glorious architecture. Ajanta and Ellora Caves, Bibi Ka Maqbara, Grishneshwar temple, and Siddharth Garden are some of the major attractions that make Aurangabad an excellent choice for a weekend getaway from Mumbai. 

Challenges Faced by Two Wheeler Riders in Aurangabad

• Frequent road accidents: Aurangabad observes many fatal road accidents on a daily basis. In June 2019, a 15-year-old was killed and two people were injured when their bike collided with another vehicle. Hence, in such situations, having a two-wheeler insurance with PA cover is a must. You can also have a separate health insurance plan that will cover the cost of hospitalisation in such situations.. 
• Vehicle thefts: Two-wheeler theft is a serious concern among many commuters and the Aurangabad police. According to the official data, 741 two-wheelers are stolen from the city between January and August 15th, out of which only 220 bikes have been recovered. Moreover, on average, this city is witnessing three bike thefts daily. 
• Potholes and cracks on roads: More than 3400 major potholes have been identified on the Aurangabad streets. These potholes not only make life miserable for the commuters but also cause severe accidents. In September 2019, an 18-year old college student fell off from his bike and was seriously injured after hitting a pothole near Rani Jhansi Square. 

No matter how safely you drive, your two-wheeler is always vulnerable to damages because of these challenges. Hence, buying two-wheeler insurance in Aurangabad is essential for a stress-free mind. Digit Insurance can help you buy the best bike insurance in Aurangabad without much hassle.

• Choose from two types of bike insurance policies:
• a) Third-party two wheeler insurance - This policy offers cover against any damage caused to the third person or property/vehicle in case of an accident caused by you. 
• b) Comprehensive two-wheeler insurance - Under this, your bike gets covered for the damages caused due to human-made and natural disasters like thefts, earthquakes, terrorist attacks, and even floods. This also covers the third party liability.
• Personal accident cover - As mentioned above, the chances of mishaps on the roads of Aurangabad are pretty high. So Personal Accident Cover is a wise option to choose. This cover comes into action when you suffer from any permanent disability or death after an accident. Digit covers upto 15 lakhs under the PA Cover.
• Avoid heavy fines - There is a strict law in India to drive with third-party insurance. If you're caught driving your two-wheeler without insurance for the first time, you'll be liable to pay a fine of Rs.2000 and/or imprisonment for up to 3 months. For further offences, the penalty can increase to Rs.4000 and/or imprisonment for up to 3 months. In some cases, it can also result in the cancellation of the driving license. 
• Comprehensive policy to protect your bike - Due to the above challenges, two-wheeler owners feel unsafe while driving on the Aurangabad roads. To fully safeguard them and their vehicles, comprehensive two-wheeler insurance can be your best bet. It is a complete package that provides complete coverage against damages to your bike and third party liability as well. It covers any damages arising due to natural and man-made calamities, such as thefts, fire, accidents, vandalism, and falling objects.
• Add-ons suitable for Aurangabad - Add-ons, provided with a comprehensive policy, can be useful for the extra protection of your vehicle. Due to potholes on the streets in Aurangabad, your bike tyres can face serious problems and you may face a breakdown. So with Breakdown Assistance Cover from Digit, you can seek assistance 24X7 whenever you are stuck due to the breakdown of your bike. To safeguard your two-wheeler against theft in Aurangabad you can opt for the Return to Invoice cover as well. There are other add-ons like engine & gearbox protection, consumable cover, Zero-dep among others.