Bike Insurance in Cuttack

Cuttack is the second largest city in Odisha and is famous for its heritage sites and tourist attractions. It is also famous for its Durga puja celebrations, one of the most important festivals of Odisha. Various such reasons have been contributing to the growing population in the city, which is a primary reason behind increasing traffic congestion.

Moreover, due to its proximity to the coast, the city is prone to cyclones from the Bay of Bengal, making the area dangerous for two-wheeler owners. Hence, purchasing a two-wheeler insurance policy is advisable to protect yourself and your bike/scooter.

If you decide to get a two-wheeler insurance policy, you can choose Digit Insurance. We provide different types of bike insurance policies as well as add-on coverage.

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

• 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

Digit offers a wide variety of benefits to two-wheeler insurance policyholders. They have been listed below:

• 24X7 Customer Support: We are happy to provide our customers with 24X7 assistance. You can call us anytime if you have any doubts regarding your bike insurance policy. We will cater to your queries every day, even on national holidays.
• Smartphone-Enabled Self-Inspection Procedure: With Digit, you can easily file claims against your two-wheeler insurance policy online. With our intelligent self-inspection procedure, you can skip submitting hard copies or filling out multiple forms. Simply call the number mentioned on Digit’s website. You will receive a link on your registered mobile number. Consequently, follow the given guide and upload images of the vehicle's damaged parts. Wait for the response patiently; our Customer Care team will get back to you with a quote. Henceforth, you can choose between cashless repairs or a reimbursement accordingly.
• Network Garages for Cashless Repair: If you want to avail Cashless Repair for your damaged two-wheeler, you can take your bike/scooter to any one of Digit’s network garages. You can easily locate one nearest to your place, as we have a vast network of garages all over India. Furthermore, you will get a warranty of 6 months on repairs done at these network garages.
• Customise Insured Declared Value: The IDV, or Insured Declared Value, is the current market worth of your two-wheeler. It is an important aspect that influences the sum insured and premium of your two-wheeler insurance policy. Digit believes in maintaining transparency with the policyholders; hence, we offer our customers the option to customise the IDV in bike insurance.

With Digit Insurance, you will also get customisable add-ons and other benefits to protect yourself and your two-wheeler. Here’s how a Digit Insurance policy will help you:

• Avoid Legal Issues: Steer clear from legal complications by abiding by the Motor Vehicles Act of 1988. It mandates all bike owners to have a two-wheeler insurance policy as a safety. You can be legally penalised if you do not follow the same and will have to pay a fine of ₹2,000. For the consequent offence, you have to pay ₹4,000. For more grave violations, you can face imprisonment, or the police can seize your license. Hence, getting a bike/scooter insurance policy will save you from legal issues.
• Personal Accident Cover: Accidents can cause severe damage to you or someone else. Hence, it is advisable to protect yourself with a personal accident cover. Moreover, it is a compulsory extension that you must get with your two-wheeler insurance plan. A personal insurance cover will provide you with financial coverage in grave situations like injuries due to accidents, permanent disability, and death.
• Customise Your Policy With Various Add-ons: When you buy a comprehensive two-wheeler insurance plan, you can extend its coverage with the help of add-ons. They come at extra expenses but will help you get coverage during various situations. Let’s take the example of daily conveyance benefits. This add-on cover provides coupons from well-known taxi operators or a fixed allowance when your bike is being repaired after an accident. However, do remember that it is only applicable when you have an own-damage two-wheeler insurance policy.

• Wide Variety of Two-Wheeler Insurance Policies: Digit offers three types of two-wheeler insurance. Third-party bike insurance, which covers only third-party liabilities such as injury, death, or property damage. Own damage bike insurance, which covers loss and damage to your own bike, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party bike insurance policy, and lastly, there's comprehensive bike insurance, which covers both own damage and third-party claims.