Bike Insurance in Chandigarh

Chandigarh is a Union Territory in India and serves as the capital of two Indian states—Punjab and Haryana and also is governed directly as a Union Territory. The city has one of the highest per capita incomes in the country and is also reported to be one of the cleanest in India based on a national government study. It is a major tourist and educational hub of India, attracting many people from other parts of the country.

Chandigarh has always been a planned city since its inception and even post-independence, being designed by world-renowned architects. So what made this city a traffic hub and nuisance for the commuters with the growing age?

However, the public transportation options in the city are limited. The high per capita income has led to a massive growth in the number of privately owned vehicles. Accidents and mishaps have been on the rise in Chandigarh.

Being a bike owner in Chandigarh, you need to have a two-wheeler insurance policy. This will provide you with financial cover in the event of an accident. 

Moreover, the Motor Vehicles Act of 1988 mandates all vehicle owners to own at least third-party insurance. When choosing a two-wheeler insurance policy, there are a lot of companies that you can opt for. Digit is a trustworthy name among them.

Digit’s bike insurance plan is completely online and jargon-free. Two-wheeler owners can easily buy this policy from a desktop or smartphone with no hidden clause. The claim process is super fast and based on self-inspection. 

• Choice of Policies Offered: 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.
• Avoid Traffic Penalties: A third-party bike insurance plan secures your expenses incurred on the traffic fines, which todate are quite heavy on the pocket. Riding an uninsured bike is a legal offence for which you may be imposed with a fine of ₹2000 and/or imprisonment of three months. So make sure that you have a minimum TP policy before you start riding.
  
• Avail Complete Protection with Comprehensive Policy: The comprehensive bike insurance plan ensures a tension-free commutation. This is apt for the roads in Chandigarh. In the case of bumper-to-bumper traffic and heavy vehicles’ movement on the roads, your bike always stands vulnerable against accidental damages. So you can recover the cost of damages if you have a comprehensive policy, and you can choose multiple add-ons to avail broader coverage.
  
• Add-Ons Suitable for Chandigarh: The world knows that people in Chandigarh do have a taste for fancy, expensive, and customized bikes. The city records high worth of bike purchases. Digit offers additional coverage (available at nominal prices over the insurance plans), like engine and gearbox protection, zero depreciation cover, and consumables cover, among others, to cover up the expensive maintenance and repair costs incurred on these sports/luxury bikes.

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

• 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