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.

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

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 step-wise 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 works.
• 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 it 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 the 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: We primarily offer three types of bike insurance policies:

Own Damage Two-Wheeler Insurance Policy: This policy makes sure that you have adequate financial coverage for damages to your own two-wheeler. You can opt for this policy when you already have a third-party insurance cover and want to get financial coverage in case your bike or scooter gets damaged during an accident. Moreover, it also covers expenses due to damages from natural calamities, fire, theft and man-made disasters. 

Third-Party Two-Wheeler Insurance Policy – This insurance plan provides financial coverage for damages done to third-party individuals, properties or vehicles during an accident. 

Comprehensive Two-Wheeler Insurance Policy – When you buy a comprehensive two-wheeler insurance policy, you get financial cover for damages to both your bike and third parties in the event of an accident. 

Moreover, it also covers costs incurred due to damages to your two-wheeler from fire, natural and man-made disasters and theft.

• 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, injuries or even die in the event of an accident. You can also have a health insurance policy for getting complete coverage during hospitalisation. Additionally, it will ensure that you have sufficient financial coverage for medical treatment and for financially supporting your family during challenging times.