Bhopal has a number of large and medium industries operating in and around the city. It is the 16th largest city in India, and its streets remain crowded throughout the day due to high traffic congestion.

Moreover, the city suffers from poor road infrastructure, increased number of accidents and is plagued with issues with illegal parking, overloading, etc. All this leads to increased chances of road mishaps.

If you are a bike or scooter owner in Bhopal, having a two-wheeler insurance plan is critical to protect yourself from unwanted financial loss due to damage, theft or accident.

Furthermore, the Motor Vehicles Act of 1988 has made it essential for every vehicle owner to purchase at least a third-party insurance cover.

If you are looking for a two-wheeler insurance plan, you can get one from Digit. This company has thousands of network garages all over India.

To find out more about what Digit offers, keep reading.

Bhopal is a city in Madhya Pradesh, is well known for its greenery, lakes and animal conservation parks. It is also referred to as ‘City of Lakes’ for its various natural and artificial lakes. Bhopal is reported to be the 16th largest city in India and 131st in the world.

Challenges faced by Two Wheeler Riders in Bhopal

• Increased number of accidents: Traffic statistics studied in 2018 reveal that Bhopal faces one accident every 25 minutes out of which every 9th one is fatal. The casualty rate is reported to have increased by 30% in 2018, with over 327 fatal road accidents registered. The main reasons cited for these accidents are encroachments on busy lanes, illegal parking, and poor road infrastructure, among others.
• Accident-prone area: According to Bhopal traffic police, 9 black spots (accident-prone areas) have been marked within the city including commercial hub MP Nagar, posh and residential areas like Hoshangabad Road, Habibganj, TT Nagar, Bag Sewania, among others.
• Unplanned road infrastructure: The initial planning of the city has been moulded to withstand the current population and roads were widened to accommodate the increased traffic inflow. However, according to experts, several geometric defects in the road construction have been marked which drastically increases the probability of accidents. Also, roads constructed on the city outskirts and rural areas under various schemes have no supporting infrastructure and safety measures. At many places, these rural roads join the highways abruptly, which further elevates the propensity to collide with high-speed vehicles on the highway.
• Irresponsible driving: Bhopal traffic statistics also state that a major reason for accidents in the city is due to drunk driving and rash driving. In 2018 alone, 3,508 accidents were reported in the city of which 3,001 people were injured. In addition, illegal parking of autos, illegal overloaded autos in encroached areas and heavy trucks plying during day time also cause accidents.

Digit offers complete protection to the two-wheeler riders against the unforeseen expenses that could occur due to umpteen number of reasons on the road while driving through its insurance plans.

And the important fact is: everything is online. So no long queues, no waiting, no complex jargons and no paperwork! Just simple smartphone-enabled, online insurance facility with super fast claims and settlements. 

Type of bike insurance plans:

• a) Comprehensive Bike Insurance: Comprehensive Insurance cover against expenses caused for own damage (OD) and third party damage as well. It offers coverage for damages due to natural calamities, theft, fire and riots, thereby ensuring a complete stress-free riding.
  
• b) Third-Party Bike Insurance: Third Party Insurance cover for expenses related to only third party losses like injury or death of a third party or damage caused to the property/vehicle due to your fault.