Buy/Renew Two Wheeler Insurance Policy Online in Delhi
The national capital of the country is the most populous urban agglomeration. New Delhi is choked with vehicles. The population and the number of vehicles are increasing exponentially, leading to major traffic congestion and fatal accidents. Moreover, rash driving and rampant traffic violations are quite rampant.
Being a bike or scooter owner in Delhi city can be risky if you do not have a two-wheeler insurance policy. Moreover, the Motor Vehicles Act of 1988 mandates every vehicle owner to have a third-party insurance cover. This facilitates financial coverage in the event of any mishap or accident.
So, if you are looking for a two-wheeler insurance policy, consider Digit. Keep reading to know more.
Why Choose Two Wheeler Insurance by Digit?
Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
Two Wheeler Insurance Plans in Delhi
Third Party
Comprehensive
Own Damage
Damages/Losses to own two-wheeler due to an accident |
×
|
✔
|
✔
|
Damages/Losses to own two-wheeler in case of fire |
×
|
✔
|
✔
|
Damages/Losses to own two-wheeler in case of a natural calamity |
×
|
✔
|
✔
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
Personal Accident Cover |
✔
|
✔
|
×
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
Theft of your scooter or bike |
×
|
✔
|
✔
|
Customize your IDV |
×
|
✔
|
✔
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party two wheeler insurance
Two Wheeler Insurance Add-ons Available in Delhi
Following are the two wheeler insurance add-ons available in Delhi:
Key Features of Two Wheeler Insurance by Digit
Key Features |
Digit Benefit |
Premium |
Starting from ₹714 |
No Claim Bonus |
Up to 50% Discount |
Customizable Add-Ons |
8 Add-ons available |
Cashless Repairs |
Available at 4400+ Garages |
Claim Process |
Smartphone-enabled Claim process. Can be done online within 7 minutes! |
Own Damage Cover |
Available |
Damages to Third-Party |
Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages |
How to Buy/Renew Two Wheeler Insurance with Digit?
Step 1
On the Digit App or website, enter bike’s registration number, select the policy status and click on ‘View Prices’.
Step 2
Select the plan, add-ons and click on ‘Continue.’
Step 3
Enter your personal, nominee and vehicle details and click on ‘Pay Now.’
Step 4
Complete the payment and mandatory KYC verification process.
Step 5
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
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.
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 CardMore about Two Wheeler Insurance in Delhi
Delhi – officially the National Capital Territory of Delhi (NCT), is both a city and a union territory. It also has the highest road density with over 1749kms of road length per 100km2. The national capital is of great historical significance in terms of commerce, transport, and culture and has also become the political centre of India post-Independence.
Challenges faced by Two Wheeler Riders in Delhi
- Snarled up traffic - The national capital is overly congested in terms of traffic and road infrastructure despite its continuous effort for development. Increasing population and a higher propensity for expenditure on luxury lifestyle result in an increased number of vehicles on-road every single day! According to a study conducted by location technology expert in Mumbai, Delhi recorded an average of 58% traffic congestion in 2018.
- Fatal accidents with minor negligence - Being overly crowded with bumper-to-bumper traffic, the chances of road accidents are relatively high in Delhi. According to Delhi police reports, 1,690 fatal road accidents were reported in 2018 as against 1,584 in 2017. Out of this, 33.72% of the accident victims were riding two-wheelers.
- The city riders are notorious for rash driving, drunk driving, and negligence of traffic rules and violation of traffic signals. One can be cautious with one’s own driving but most of the time the fault is of someone else. The Delhi Police report on road accident analysis states that nearly 44% of the road accident death in Delhi are hit and run cases. Apart from these, w.e.f. 2018, the Delhi government mandated all motor policies to include personal accident protection of Rs.15 lakh for driver death caused during driving to compensate the victim’s family. IRDAI has directed the insurance companies to provide personal accident protection cover along with the third-party insurance cover for an additional premium amount of Rs.750. (Source: Economic Times)
Why Choose Digit for Two Wheeler Insurance in Delhi?
Digit’s bike insurance plan offers protection against liabilities that arise from injuries to the rider, own bike and the third parties as well, depending on the kind of policy you purchase.
- Digit is offering two bike insurance plans in India:
- a) Comprehensive Bike Insurance - Covers damages caused to your bike by accidents, fires or natural disasters, theft, etc.
- b) Third-Party Bike Insurance - Covers the third party liabilities like injury, death or damage caused to the property/vehicle because of your negligence or fault.
- Avoidance of heavy penalties - With Digit’s third party bike insurance, heavy penalties and fines imposed by Delhi Traffic Police can be subjected to avoidance. Otherwise, you will face a penalty of ₹2000 for the offence of riding without insurance.
- Get protected with comprehensive policy - With Delhi roads being highly prone to accidents and third-party faults, the comprehensive insurance policy can safeguard your life and vehicle against any third party damages on the road, accidental expenses, natural disasters and theft.
- Add-ons suitable for Delhi - Digit offers add-on features or optional covers to increase the level of coverage provided under the base comprehensive policy. Delhi experiences extreme summer, rainy and winter conditions which also hamper the vehicles’ life. The Zero-dep cover along with the base plan covers the repair cost of damages resulted due to accidents, fire, theft or any natural calamity.
- The add-ons are offered at a minimal yet extra cost, these are designed to protect your vehicle in specific conditions. You can explore other add-ons like breakdown assistance, return to invoice, engine protection, etc.