Chennai is the biggest educational, cultural and economic centre in South India. Other than being the capital city, Chennai is also the largest city by area and population in Tamil Nadu. On top of the increasing population and vehicle numbers, the city suffers from poor traffic management, long congestion and heavy rainfall.

Thus, having a two-wheeler insurance policy is crucial if you are a scooter or bike owner in Chennai to get financial protection in case of any mishaps.

Furthermore, according to the Motor Vehicles Act of 1988, it is mandatory for every vehicle owner to have a third-party insurance plan. So, if you are looking for a bike insurance policy, Digit can be a good choice. You get to customise the IDV of your vehicle according to your preference and budget and can get online claim settlement.

To find out more about what Digit has to offer, keep reading.

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.
  

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.