Bike Insurance in Bharuch

Bharuch, located on the banks of river Narmada, is often referred to as 'Kanam Pradesh' due to the unique colour of the soil that facilitates cotton cultivation. The presence of the river Narmada has made Bharuch a prosperous city. With several textile and chemical industries, this city is busy as thousands of people travel here for trade and related purposes.

Due to this reason, the streets of Bharuch experience a lot of bumper-to-bumper traffic throughout the day. There are instances of accidents, mishaps and vehicle thefts as well.

So, if you are an owner of a two-wheeler in the city of Bharuch, you can opt for a two-wheeler insurance policy to prevent yourself from financial losses caused due to any unforeseen damage.

If you are seeking a reliable two-wheeler insurance provider, you can trust Digit. Digit offers a simple claim settlement process.

Digit comes with several benefits for two-wheeler insurance policyholders. Here they are:

• Quick and Simple Claim Settlement Procedure: With Digit's online claim settlement service, you can raise a claim against your two-wheeler policy anytime, anywhere. For this, you have to call our number to get a link on your registered mobile number. Then, all you need to do is click on the link and send the pictures of the damaged parts of your vehicle to our team. Then, Digit's team will revert to you with a quote after inspecting the claim. Then, you can opt for reimbursement or cashless repairs at any of the network garages of Digit.
• Several Network Garages for Cashless Repairs: When you choose the Cashless Repair option to claim your bike's insurance policy, you can take your vehicle to the nearest network garages of Digit. These network garages are located in various places across India. You do not have to bear any additional charges from your end while getting your damaged vehicle repaired in these garages. You also get a 6-month warranty on repairs from these garages.
• Customise IDV: The sum insured and the premium of your two-wheeler are affected by the IDV, or the Insured Declared Value. Since Digit believes in transparency, it allows you to customise the IDV of your vehicle as per your requirement and convenience. A higher IDV in bike insurance will mean a higher policy sum insured, but the premium amount will also be more.
• 24X7 Customer Service: Whether it is a national holiday or any other day, Digit's customer care team is always available to solve your queries about your two-wheeler insurance policy. So, you can call them anytime without a second thought.

Here's how a Digit two-wheeler insurance can protect you and your two-wheeler in Bharuch:

• Opt from an Array of Two-Wheeler 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. 

• Customise With Required Add-ons: When you buy a comprehensive bike insurance policy, you can extend its coverage with the help of add-ons. They come at nominal extra expenses but have the potential to help you out in a number of situations. Let’s take an example for better understanding. You can purchase roadside assistance as an add-on cover. It enables you to get help from us in situations when your two-wheeler breaks down in the middle of the road. We will arrange for your bike or scooter to get repaired on the spot, and we will also bear the expenses of towing. However, we will bear the towing costs for your bike only up to 50 kilometers from the point of breakdown. Furthermore, you can avail of these services 24/7, but you must be within 500 km of the city. You can also purchase a return-to-invoice cover as an add-on. There are situations when an accident can leave your two-wheeler damaged beyond repair. Under such circumstances, if you have this add-on while claiming your policy, we will refund the entire amount mentioned on the invoice. Furthermore, you can also opt for add-on covers like daily conveyance benefit, consumable covers, etc.

• Prevent Legal Penalties: Having a two-wheeler insurance policy helps you avoid legal penalties as well. As per the Motor Vehicles Act of 1988, you cannot ride a two-wheeler legally if you do not have any policy coverage. You must have at least a third-party insurance cover. Otherwise, this might lead to hefty fines. In case you are riding a two-wheeler without a valid insurance policy, you will have to bear a penalty of ₹ 2,000. However, if the authorities catch you for a second time, you will have to pay ₹ 4,000. In some cases, there can be a cancellation of your driving license.
• Personal Accident Cover: Having personal accident cover is beneficial, as it provides financial protection for expenses incurred due to injury, death, or permanent disability. Every vehicle owner needs to have personal accident cover, as this will ensure your family's financial stability and help cover the substantial medical expenses and treatment costs. A PA cover is mandatory for anyone purchasing a vehicle insurance policy, as per the country's motor laws.

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

• 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