Two Wheeler Insurance in Chennai

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Why should you buy Digit Bike Insurance Chennai?

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 Chennai

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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 Chennai

Formerly known as Madras, Chennai is the capital city of the southern state of Tamil Nadu. The city is located on the Coromandel Coast off the Bay of Bengal. The city is a conglomeration of culture, education and economy and is a strategic trade centre in India.

The city’s health service sector has improved drastically in recent times so much so that a large portion of tourists visiting this city mainly comes here for health treatments. The impeccable services in the healthcare sector have garnered the city the name “Health capital of India”.

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.

Why Choose Digit for Two Wheeler Insurance in Chennai?

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.

  • Be law-abiding: The country witnessed a huge increase in traffic penalties as a measure to reduce and curb the rising traffic violations and irresponsible driving. Riding an uninsured bike in Chennai will attract a penalty of ₹2000 and/or imprisonment of 3 months. Minimal third-party insurance endures protection against these heavy penalties.
  • Choose the comprehensive plan and stay free: Comprehensive cover will help you enjoy a complete stress-free ride in bumper to bumper traffic of Chennai. This plan offers coverage against all the third party as well as own damages. It is also adequate for people in Chennai, which has witnessed several natural calamities like heavy rain and flood.
  • Additional protective layers: Considering the issue of flood, the “Return to invoice” add-on becomes essential for Chennai. With the availability of several other add-on options like an engine and gear protection, break down assistance and many more, the Chennai motorists can ensure a smooth journey every time, be it an office commutation, a luxury long drive or an adventurous getaway.