Two Wheeler Insurance in Coimbatore

Coimbatore is one of the major metropolitan cities in Tamil Nadu. It is India’s 16th largest urban agglomeration and is a hub of the textile industry in South India.

When you ride a scooter or bike on the roads of such a busy city, having a two-wheeler insurance policy is a must. The bike owners of this city face various challenges due to poor traffic management, increased congestion due to development projects and illegal encroachment of road spaces.

Moreover, the Motor Vehicles Act of 1988 mandates every vehicle owner to buy a third-party insurance cover.

Thus, if you are searching for a bike insurance policy, you can rely on Digit. Digit comes with a vast chain of network garages all over India where you can opt for cashless repairs. They will also give a 6-month warranty on all the repairs.

Find out what more Digit offers by reading the article below.

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

• 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

Coimbatore, also known as Kovai and Koyamuthur, is a major city in Tamil Nadu. It is located on the banks of the Noyyal River and surrounded by the Western Ghats and is recognized as the second-largest city in Tamil Nadu after Chennai and the 16th largest urban agglomeration in India.

The city, in terms of industrial importance, is one of the largest exporters of jewellery, wet grinders, poultry and auto components.

Challenges faced by Two Wheeler Riders in Coimbatore

• No proper traffic administration: Absence of proper traffic administration in busy areas like Singanallur Junction on Trichy Road is a nuisance with the accumulation of vehicles from Kamarajar Road and Vellalore Road. The passage time allotted is 45 seconds which is very low and ends up in traffic pile up on the other three directions. Even the bus stops near the junction and not at the bus stop which further creates a nuisance. In 2019, January alone, the city reported 253 road accidents out of which 68 were fatal. Even the Kamarajar Road and Vellalore Road are not in a straight line, due to which commuters wait at the divider to cross the other side, creating additional traffic. 
  
• Increased congestion due to developmental projects: The city police identified 75 locations with traffic congestion with a further expectancy of surge if metro construction is to be started in the city. These diversion solutions will put added pressure on the by-lanes which are anyway not competent to handle the huge inflow of vehicles especially in the busy IT parks or corporate arenas, hospitals or even schools.
  
• Encroachments and illegal settlements: Encroachments across Coimbatore by both immigrants and poor city dwellers is a big challenge for commutation on two-wheelers within the city. The roads are getting narrower and the chances of accidents, vehicle damage and skit are rapidly increasing with the close proximity of large masses, open drains, debris and human movement. Secondly, irresponsible riders (generally the youth) are the victims of accidents caused due to rash driving, bike stunt, traffic violations and helmet avoidance.
  

It is – Online. Quick. Customizable. Plus, who would not like a hassle-free, smartphone-enabled platform for all insurance requirements with no hidden clauses! There are no middlemen involved, which results in a low premium and easy procedure.

Choice of policies: Under the offerings by Digit, two types of bike insurance policies are available:

• Third-party Bike Insurance: This pays for you when you are held responsible for a mishap that has caused bodily injury or damage to any third party property/vehicle.
  
• Comprehensive Bike Insurance: This policy covers for the damages to your own vehicle along with the third-party liability. It safeguards your two-wheeler against damages caused by natural calamities, fire, and theft, among others too.