Bike Insurance in Asansol

Asansol is one of the most populated cities in West Bengal. Nationally, it is the 33rd largest urban agglomeration and a hub of different industries like coal, steel, etc. It also houses the Asansol Junction, one of the oldest railway stations in the Eastern Railway Zone. Thus, the roads of this city are always buzzing with traffic.

However, accidents have become an everyday affair in Asansol due to bad roads, potholes and rash driving. Hence, it is crucial for bike owners to have a two-wheeler insurance policy to safeguard themselves financially during mishaps.

If you are searching for a bike insurance policy for financial cover in the event of an accident, you can trust Digit. We offer three types of two-wheeler insurance plans that you can choose according to your preference.

We provide our two-wheeler insurance policyholders with the following benefits:

• Online Claim Settlement Process: At Digit, you can make claims against your bike insurance policy online. Our smartphone-enabled self-inspection process negates the need for paperwork and makes claim settlement fast and easy. You simply have to call us in order to get a link to your registered contact number. Then, you must follow a stepwise guide and upload pictures of the damaged parts of your two-wheeler. We will look into the matter and get back to you with a quote. You can choose to claim your bike insurance policy by opting for either cashless repairs or a reimbursement. This flexible way of settling claims allows us to maintain a high claim settlement ratio for private two-wheelers.
• Network Garages All Over India: We have thousands of network garages all over India. So, if you select Cashless Repairs while claiming your bike insurance policy, you simply need to bring your damaged two-wheeler to one of our garages. This will ensure that your bike or scooter is repaired without any extra spending from your pocket. In addition, our network garages also provide 6 months of warranty on all their repair work.
• Customise the IDV of Your Two-Wheeler: Your bike’s Insured Declared Value, or IDV, plays an important role. It has a direct impact on the premium amount and sum insured of your two-wheeler insurance policy. Thus, we provide you with the option to customise IDV in bike insurance to your preference. This also helps us maintain transparency with our entire clientele.
• 24/7 Customer Support: Our customer support team at Digit is available 24/7 to take your calls. They will solve all the doubts you may have related to your bike insurance policy. Our executives are even available on national holidays to assist you.

Apart from saving you from financial loss during mishaps, a two-wheeler insurance policy will help you in the following ways:

• Abiding By Law: It is a legal offence to ride your bike or scooter in India without a valid two-wheeler insurance policy. Moreover, by the Motor Vehicles Act of 1988, all vehicle owners must have at least a third-party insurance cover. Thus, if the authorities catch you without a valid two-wheeler insurance plan, there will be a fine of ₹2,000. Moreover, if you repeat this offence, the penalty will increase to ₹ 4,000. The authorities may also suspend your driving license and punish you with a jail term of 3 months.
• Choose from Different Bike Insurance Policies: Digit offers three types of two-wheeler insurance. Third-party bike insurance, which covers only third-party liabilities such as injury, death, or property damage. Own damage bike insurance, which covers loss and damage to your own bike, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party bike insurance policy, and lastly, there's comprehensive bike insurance, which covers both own damage and third-party claims.

• Enhance Your Policy Coverage With Add-ons: If you buy a comprehensive two-wheeler insurance plan from us, you will get the option to enhance its coverage with the help of add-ons. They come at extra nominal expenses but help you out in different ways. For example, you can opt for the zero depreciation cover. In case your two-wheeler gets damaged beyond repair due to an accident, this add-on will help you out. We will refund the entire amount on the invoice and help you deal with the situation financially. Also, you can choose the consumables cover. Usually, a bike insurance policy does not cover components like nuts, bolts, oil, etc. This is because, after an accident, these components can get damaged, making them unfit for further use. If you have this add-on with your bike insurance policy, we will cover the cost of these consumables when you claim your policy.
• Personal Accident Cover: When you purchase a two-wheeler insurance plan, it is mandatory for you to get a personal accident cover. This helps you out if you suffer from permanent disabilities or injuries or even die in the event of an accident. Additionally, it will ensure that you have sufficient financial coverage for medical treatment and for financially supporting your family during challenging times.

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

• 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