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.

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

• 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

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)

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.