Bike Insurance in Dhanbad

Dhanbad is a famous urban agglomeration that holds the position of Jharkhand's second most populous city. It houses one of India's largest coal mines and is known as the 'Coal Capital of India'. However, Dhanbad is not only famous for its coal mines. The city also has a developing IT sector and large-scale industries as well.

Being one of the most notable economic centres of the state, the city sees a massive influx of workers from across the state. On top of that, the movement of heavy vehicles and inadequate infrastructure lead to massive congestion.

If you are a resident of this city who travels on two-wheelers, a motor insurance policy is what you will need. While searching for a two-wheeler insurance policy, you may come across dozens of insurance providers. Digit is one of the most reputed motor insurance providers in India. Keep reading to learn about our insurance policies in detail.

Digit two-wheeler insurance is beneficial in many ways. Here are some of the reasons you should opt for one:

• 24/7 Customer Support: Digit focuses on customer satisfaction; hence, we provide round-the-clock customer assistance to all our clients. So, whenever you need an insurance-related solution, reach us via dialing our helpline number. Our customer care representatives are even available on Sundays and national holidays. So, we are just one call away from resolving your queries.
• Easy and Quick Claim Settlement: When it comes to claiming your insurance policy, Digit’s smartphone-enabled self-inspection process negates the need for any paperwork. To start, simply dial the provided number on Digit’s website to get a link to your registered contact number. Then you have to follow a stepwise guide and click pictures of the damaged parts of your two-wheeler. The team dealing with your claim will look into the matter and contact you with a quote. Then, depending on your preference, you can opt for a reimbursement or cashless repairs. This quick and easy process helps Digit maintain a high claim settlement ratio when it comes to bike insurance.

• Options to Customise Your Bike's IDV: IDV or Insured Declared Value is the maximum compensation amount your insurer can provide you at times when your vehicle is stolen or damaged beyond repairs. It affects the premium amount and the sum insured of your two-wheeler insurance. Digit maintains transparency with every client and allows them to decide their IDV in bike insurance.
• Cashless Repair from Digit Authorised Network Garage: We have thousands of network garages all over India, and when you choose the cashless repair mode, you can get the bike repaired from any of these garages. The best part is that you need not pay any extra amount for their services; Digit will settle the bill with the garage. Moreover, Digit-authorised garages offer a six-month warranty on every repair.

Digit provides extensive protection to your vehicle and helps you stay safe in the following ways:

• Choosing a Convenient Insurance Policy: 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.

• Avoid Legal Liabilities: When you opt for a two-wheeler insurance policy from Digit, it helps you abide by the provision of the Motor Vehicles Act of 1988. As per this act, every vehicle owner in India needs to have third-party insurance. Moreover, anyone found riding a motorcycle without a valid insurance policy will be charged a hefty fine of ₹ 2,000. This amount can rise to ₹ 4,000 in case of repeated offences, and authorities can even suspend your driving license.
• Extend Your Insurance Coverage With Add-ons: When you opt for a comprehensive two-wheeler insurance plan from Digit, you get the opportunity to purchase add-ons. These add-ons will extend the coverage of your existing policy. Although they come at nominal extra costs, they can be quite beneficial in multiple scenarios. Let's take the example of consumables cover. The cost of replacing nuts, bolts, oil, lubricants, etc., generally does not come under the cover of a two-wheeler insurance policy. However, after an accident, the situation may be that you might have to replace the engine oil, lubricants, etc. In such cases, if you have this add-on, Digit will pay for these expenses. Roadside assistance is another add-on from Digit. This cover will provide financial help for the costs you would face for repair and replacements caused by a sudden vehicular breakdown in the middle of a journey.

• Protect Yourself with Personal Accident Cover: A personal accident cover protects you and your family from a sudden financial burden in case of any mishap or accident. It provides coverage for medical expenses incurred due to any bodily injuries or permanent disabilities. If the bike owner dies or suffers complete permanent disability, Digit will offer the total sum insured as compensation. Hence, a personal accident cover is a saviour for your family during unexpected mishaps.

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

• 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