Two Wheeler Insurance in Bhopal

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Why should you buy Digit Bike Insurance in Bhopal?

We treat our customers like VIPs, know how…

Smartphone-enabled Self Inspection

Quick and Paperless claims process through a Smartphone-enabled self-inspection process

Cashless Repairs

1000+ Cashless Garages for you to choose from across India

Super-fast Claims

Average turn around time for two-wheeler claims is 11 days

24*7 Support

24*7 call facility even on National Holidays

High IDV per rupee

With us, you can customize your IDV as per your choice!

Two Wheeler Insurance Plans in Bhopal

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Third party

A Third-party Bike Insurance is one of the most common types of bike insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.

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Comprehensive

A Comprehensive Bike Insurance is one of the most valuable types of bike insurance that covers both third-party liabilities and damages to your own bike as well.

Third-Party

Comprehensive

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Know more about the difference between comprehensive and third party two wheeler insurance

How to file a Claim?

After you buy or renew our two wheeler insurance plan, you live tension free as we have a 3-step, completely digital claims process!

Step 1

Just call on 1800-258-5956. No forms to be filled.

Step 2

Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.

Step 3

Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

More about Two Wheeler Insurance in Bhopal

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.

Why Choose Digit for Two Wheeler Insurance in Bhopal?

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.

  • Stay away from heavy traffic penalty: Recent amendments in the traffic fines (Motor Vehicle Amendment Bill 2019) levied heavy fines for traffic violations. For the non-holding of third-party bike insurance, bike riders will be imposed with ₹2, 000 fine and/or 3 months of imprisonment. Digit’s third party insurance plan can save you from such expenses. However, we always motivate bikers for attended and rule-based riding.
  • Get shielded with Comprehensive policy: The comprehensive bike insurance plan can be your best pal in Bhopal because it will assist you when your bike needs a repair from accidental damages. Considering the traffic challenges in Bhopal, the Comprehensive Plan will be the best fit for your bike. This will help you recover the cost of damages to your bike caused by any kind of accident due to some senseless drivers on the roads of Bhopal. You can customize this policy with multiple add-ons in order to avail wider protection.
  • Add-ons apt for Bhopal: Just look at the statistics of fatality in road accidents in Bhopal. Do you think it is safe to ride in Bhopal? But you can not just stop commuting! So a “Personal Accident Cover” is a must along with the base policy. This will take care of your financial liability if you suffer from a permanent disability or death in an accident. Unlike other add-ons, this one can be bought with both the stand-alone TP policy and Comprehensive policy. You can opt for a “Zero Depreciation Cover” if your two-wheeler is new. There are other add-ons like the consumable cover, return to invoice, etc that you can explore while buying the insurance.