Two Wheeler Insurance in Chennai

Chennai (also known as Madras) is the capital of Tamil Nadu. The city is located on the Coromandel Coast off the Bay of Bengal, it is one of the biggest cultural, economic and educational centre of south India with the presence of renowned colleges, industries, corporates, hospitals and political headquarters.

The city together with the adjoining regions constitutes the Chennai Metropolitan Area, which is the 36th-largest urban area by population in the world. It is also termed as “India’s Health Capital” since nearly 45% of health tourists visiting India, and 30 to 40% of domestic health tourists come to Chennai for treatment.

Challenges faced by Two Wheeler Riders in Chennai

• Stiff congestion: Congestion is rapidly increasing across the IT corridors, especially the Rampuram traffic signal on Poonamalle High road with over 1.75 lakh vehicle movement, on an average, daily. Approx. 10 most congested areas have been marked which includes Pallikaranai, Tidel Park, among others.
  
• Poor administration: Absence of proper transport infrastructure in Chennai along with the delay in proposed plans is a major drawback. Proposed bridges like the one at Echangadu junction along Radial Road and Pallikaranai junction along Velachery-Tambaram Road have already missed deadlines and motorists are forced to take longer routes.
  
• Unmanned road infrastructure: The proposal for the two-way system was believed to reduce traffic congestion but in vain. The Anna Salai route, even at non-peak hours is a nightmare. For many years, the road was made one way due to the metro road construction and has been recently restored back to a two-way. However, commuters now realised that the one-way system was better as it reduced the congestion and the time to travel drastically. 
  
• More vehicles to increase the chaos: Traffic has paved its way even in the residential areas due to an alarmingly high number of vehicle registrations. Consequently, illegal parking on roads and by-lanes further increase the chances of accidents and dents even with minute negligence.  
  
• Heavy rain and flood: Chennai experiences heavy rainfalls which lead to floods. In 2015, Chennai received a rainfall of 1,049mm which is pretty close to the highest rainfall recorded since 1918, i.e 1,088mm. In such cases, the loss of lives and properties are pretty obvious.
  

Digit offers online two-wheeler insurance plans which are easy to understand, purchase, claim and settle with numerous additional benefits to ensure protection against all the ills of traffic in the city.

Choice of insurance policies: Under its portfolio, Digit offers two insurance plans for the two-wheeler owners in Chennai.

• Comprehensive bike insurance plan which offers insurance coverage to the riders against own damages and third-party expenses. In short, it offers complete protection against any expenses which might occur due to accidents caused by self or a third party. Even damages caused by natural disasters, fire, theft and riots are covered in this plan.
  
• Third-party bike insurance, as mandated by the government, offers coverage for all the damages caused to the third party individual or property/vehicle. It does not cover damage to own vehicle.