Dehradun is the capital and most populous city of Uttarakhand. It has connections to all the major tourist hot spots in the area and thus has a huge flow of traffic on its roads.

Moreover, the hilly terrain, landslides, flood, and movement of heavy vehicles due to construction and commercialisation are some of the major causes of accidents and damage. Thefts are also quite rampant.

Thus, having a two-wheeler insurance policy is crucial for all two-wheeler owners of the city. A bike insurance plan will protect you from unnecessary financial losses during mishaps or accidents. Furthermore, the Motor Vehicles Act of 1988 makes it essential for every vehicle owner to have a third-party insurance cover.

So, if you are in search of a bike insurance policy, consider Digit Insurance. You can claim your insurance policy online via a smartphone-enabled self-inspection process.

For more information on Digit two-wheeler insurance policies, read on.

Dehradun – ‘Dehra’ (or locally called as dera) meaning camp or temporary settlement and ‘Dun’ (or doon) referring to a valley that lies between the middle Himalayas and the "Shivaliks", is the interim capital of Uttarakhand. 

It is also well connected and in proximity to Himalayan tourist destinations such as Mussoorie, Auli, Haridwar and Rishikesh along with the Himalayan pilgrimage circuit of Chota Char Dham.

Challenges faced by Two Wheeler owners in Dehradun

• The boon of the place is also its bane - ‘Kabhi Sautan kabhi saheli’. The structural landscape of Dehradun is located at the foothills of the Himalayas between the two mighty rivers – the Ganga and the Yamuna and is therefore highly prone to natural calamities like landslides and floods. The city is also an administrable hub which resulted in a large influx of government vehicle, increased traffic with almost negligible road infrastructural development.
• Accident-prone Area - ‘Never know what waits at the turn’. The hills have narrow sidelines generally result in fatal accidents. However, accidental frequency is less but fatalities are more.  According to the State Transport Department’s report 2018, ~1,500 accidents occurred yearly with ~1,000 people mortality rate. In 2019 (Q1), Uttarakhand reported 216 accidental deaths and 336 road accidents.
• Increased commercialization of the area - ‘You might be a victim of someone else’s fault’. Movement of heavy-duty vehicles like trucks and lorry, especially in the constricted hill-cut roads of Dehradun elevates areas’ affinity to third party accidents at even the slightest negligence, despite the presence of speeding bumpers, strict traffic rules, no speedy sharp curve turns, etc.
• Theft, robbery or even dismantled bikes - Being highly popular for river rafting, paragliding and other adventure sports, the flow of young crowd is humungous. The state has registered several missing vehicle cases in the recent past. Most likely the bikes are either dislocated, dumped or even ran into accidents by amateur riders in the tricky roads of Dehradun.

Simple. isse acha aur wajib kahain nai. Plus who would not like a hassle-free, one-touch stop for all insurance requirements that too online and on your smartphone!

Digit offers two types of insurance plans:

• Comprehensive Policy: Covers accidents caused to your bike by accidents, fires or natural disasters, theft, etc. It also offers comprehensive protection for third party losses, vehicles and property as well. 
• Third-Party Policy: Covers only third party damages like injury or death or damage caused to the property/vehicle. You can either choose the cover of Rs. 6000 or can go for a cover of Rs. 1Lakh. Keep in mind that higher the cover higher is the premium.
• Personal Accidental Cover - According to Dehradun’s five years of police records study, nearly 72% of accidents lead to fatal and grievous injuries, even after precautionary checks put under surveillance. Therefore, the personal accidental cover is a must for bikers in Dehradun to ensure financial assistance for unforeseen emergencies, medical expenses, etc.
• Avoid Heavy traffic fines - The fine for riding without bike insurance is Rs. 2000 and/or imprisonment up to 3 months. Under such circumstances, Digit’s third-party bike insurance policy can act as a protection for you.
• Avoid unexpected expenses - Comprehensive bike insurance is a must for Dehradun bikers to avoid any unforeseen natural calamities, fire, vandalism and theft in the region.
• Suitable Add-ons for Bikers in Dehradun - Digit’s add-ons suitable for Dehradun bikers range from Rs. 30 to ~Rs.300 which includes parts depreciation cover, consumables cover, engine and gear protection, return to invoice among others. There is a heavy chance that your bike might face a breakdown in Dehradun considering the challenges discussed above, so a ‘break down assistance’ is a must-have.