Chandigarh is the joint capital of the states of Punjab and Haryana. It is a major tourist and educational hub of India attracting many people from other parts of the country.

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 trustable name among them.

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

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 income in the country and is also reported to be one of the cleanest in India based on a national government study.

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?

Challenges faced by Two Wheeler owners in Chandigarh

• Boon turned to bane: The city was initially planned to showcase the urban planning and accommodate a limited population, however, with the passage of time and emergence of the city as an academic and political point, led to a huge immigrant population. The city also faced issues with the unplanned growth of Zirakpur, Kharar, Derabassi, and nearby towns. This ended up generating immense pressure on the never-to-have imagined city infrastructure, thereby depleting it. 
  
• A higher number of personal vehicles: Also, with the highest per capita income, the city has also marked a subsequent increase in luxury expenditure, vehicle purchases being one of them. The average per house vehicle ownership (including bikes and cars) is four in Chandigarh and has immensely contributed to bumper-to-bumper traffic in the city with minimal usage of public transport.
  
• Increased movement of commercial and heavy vehicles: With the development of Chandigarh as a big market over time, the industrial demands have consequently increased the movement and volume of heavy vehicles on the city roads even on the narrower ones. The case becomes adverse at the place marked with the absence of traffic signals or traffic police; the resultant effect is immense traffic problems along with fatal accidents. 
  
• Limited public transport: Despite being a major tourist, health and education spot, the city has no metro or monorail system.
• Driving on Risky Roads? Be Insured: There are several highways that connect Chandigarh to Yamuna Expressway, especially near Agra, is known for its accident-prone nature, claiming more than 150 lives this year, as per RTI reports. Accidents are typically caused by overspeeding, fog, and tyre failures. To avoid the financial strain of hospitalisation, make sure you're covered by either two-wheeler insurance with PA cover or a solid health insurance policy.

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 are:

• a) Comprehensive Bike Insurance - This plan has two factors. It covers the own damage caused by accidents, natural calamities, fires, thefts, etc and covers the third-party liability as well.
  
• b) Third-Party Bike Insurance - This plan covers only third-party damages like injury or death or damage caused to the property/vehicle when you are at fault.