Two Wheeler Insurance in Bengaluru

Known as the ‘Silicon Valley of India’, this city is the leading information technology hub of our nation. It is also home to major educational centres. Naturally, the city sees a massive influx of job aspirants, students and skilled workers from various parts of the country.

However, the city lags in terms of transportation infrastructure and also suffers from poor planning. In addition, the number of personal vehicles is steeply rising each day in the city.

Thus, Bengaluru’s roads see a high volume of traffic every day. If you are a bike owner in this city, you must have a two-wheeler insurance policy. 

Moreover, the Motor Vehicles Act of 1988 makes it mandatory for all vehicle owners to have at least a third-party insurance plan. So, if you are thinking of purchasing a two-wheeler insurance policy, choose Digit. Digit allows you to customise your bike’s IDV according to your preference.

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

• 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

Bangalore or Bengaluru is a megacity in the state of Karnataka. For the past decade, the city transformed itself into a start-up hub and the main centre for digitalization and globalization, and clearly shifted itself from being called the ‘garden city of India’ to ‘Silicon Valley of India’. The city is home to prestigious organizational headquarters like HAL, ISRO, Infosys and Wipro as well as academic institutions like IIM, IISc, IIT, NIFT, NID, NLSIU, NIMHANS, among others.

Challenges faced by Two Wheeler Riders in Bangalore

• Unplanned for the current population: The city can be termed well planned but was factually never thought to flourish at this level. Consequently, with the mass migration of job aspirants from the entire nation in the silicon city of India, created huge pressure on the city infrastructure, whose modulation pace could never really match the growing population density. The resultant effect is a huge traffic problem especially in silk board, Saint John’s, Outer ring road, Whitefield, Electronic city, among others.
  
• Rising income, easy instalment option, increasing traffic: With the rising income of the city dwellers in Bangalore, every individual is inclined towards owning a vehicle which is massively supported by all vehicle dealers through easy instalments, online payments and many other schemes. On an average, Bangalore RTOs register over 1,250 vehicles daily! 
  
• Poor road infrastructure. Unplanned city landscape: Bangalore city infrastructure constitutes umpteen number of roads, flyovers, bypass lanes, underpass and bridges to manage the traffic issues across the city. However, average rainfall caused drainage overflow and massive traffic congestion during rainy days. With changing governments or new implementation of constructions, the roads the always blocked in addition to the never subsidizing traffic.
  
• Adventure hub. Irresponsible driving: The city is jammed with young generation job aspirants and they never seize any opportunity to explore the city, which has a bounty of adventurous sports and getaways. Most of the time, the late-night party and drunk driving result in accidents, the victims of which are mostly innocent pedestrians or other bike riders. In such high-risk areas, having a two-wheeler insurance policy with personal accident coverage or a separate health insurance plan is crucial for managing medical expenses in the event of an emergency.
  

It is ONLINE! The ever-running population does not have to wait in queues to fill numerous forms to get a vehicle insured. Digit Insurance is smartphone-enabled, paperless, self-inspection-based and more importantly, it follows a super fast claim process management. 

Choice of policies: Under its portfolio, the company offers:

• Comprehensive two-wheeler insurance: This covers own damages to your bike caused by fire or natural disasters, theft, etc and takes care of the third-party claims as well.
  
• Third-Party two-wheeler insurance: This covers only third party losses like injury or death or damage caused to the property/vehicle.