Bike Insurance in Dharwad

Dharwad is a city in the north-western part of Karnataka, also known as Dharwar. It shared a boundary with the neighbouring Hubballi and was merged into twin cities in 1962. Together they are known as Hubballi-Dharwad and cover an area of 213 sq. km.

The city is connected to other parts of the state through its rapid bus transit system. Potholes, poor drainage, growing population and submerged roads in monsoon make it challenging for vehicle owners to commute. There are often risks of fatalities and accidents.

Two-wheeler owners in Dharwad need to get two-wheeler insurance to safeguard themselves financially during any sudden mishaps. So, if you are looking for a reliable insurer in Dharwad, Digit can be an unbeatable option. If you want to know more about our policies, continue reading.

Digit two-wheeler insurance policies come with lucrative features to provide maximum benefit to the policyholders. Here are some of the ways it can be advantageous to you:

• Seamless Claim Settlement: With Digit, you can easily raise a claim against your insurance policy in a few minutes. This is because our claim settlement procedure is totally online and does not require any documentation or paperwork. Moreover, our smartphone-enabled self-inspection method lets you claim insurance without interrupting your work schedule. Under this method, you can call us from your registered mobile number and receive a self-inspection link. Next, you can capture the pictures of your damaged bike as per the guidelines and send them to us. Finally, you can end the process by choosing between cashless and reimbursement modes.
• Customisable IDV: IDV, or Insured Declared Value, represents your bike's market value; it directly influences your policy premium amount and the sum insured. Therefore, we allow our policyholders to customise IDV in bike insurance as per their convenience. It helps them to plan their finances accordingly. Do remember that if you set a higher IDV, the policy premium will be higher and vice versa.
• 24/7 Assistance: We can assist you with any insurance-related queries whenever you need them. Furthermore, our helpline number is available 24 hours, irrespective of national holidays and Sundays. Hence, you can reach us whenever you need expert advice or assistance.
• Vast Chain of Network Garages: Do you need an urgent bike repair in the middle of your journey and are left with insufficient cash? All you need to do is select the cashless repair mode while claiming the insurance and get services from any of the nearest authorised network garages. Your damaged bike will be repaired by these facilities free of charge. There are thousands of our network garages across India that offer a 6-month warranty on every repair.

We have a range of features to maximise your insurance coverage and keep your vehicle protected from unforeseen mishaps. Here are some of them:

• Avoid Legal Hazards: As per the Motor Vehicles Act of 1988, every Indian vehicle must get a third-party insurance policy. Anyone caught without valid insurance is liable to pay a fine of ₹ 2,000 or ₹ 4,000. Moreover, authorities can suspend the driving license or even imprison the violator for 3 months under certain circumstances. So, when you buy an insurance policy from us, you get to avoid such legal complications.
• Get 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.

• Customise Your Insurance Policy With Add-ons: When you buy a comprehensive bike insurance policy, you can extend its coverage with the help of add-ons. They come at nominal extra expenses but have the potential to help you out in a number of situations. Let’s take an example for better understanding. You can purchase roadside assistance as an add-on cover. It enables you to get help from us in situations when your two-wheeler breaks down in the middle of the road. We will arrange for your bike or scooter to get repaired on the spot, and we will also bear the expenses of towing. However, we will bear the towing costs for your bike only up to 50 kilometers from the point of breakdown. Furthermore, you can avail of these services 24/7, but you must be within 500 km of the city. You can also purchase a return-to-invoice cover as an add-on. There are situations when an accident can leave your two-wheeler damaged beyond repair. Under such circumstances, if you have this add-on while claiming your policy, we will refund the entire amount mentioned on the invoice. Furthermore, you can also opt for add-on covers like daily conveyance benefit, consumable covers, etc.

• Get Personal Accident Cover: PA, or personal accident cover provides financial assistance to the policyholder to cover the medical expenses incurred due to an accident. It covers the insurance policyholder's medical expenses due to permanent disabilities, severe bodily injuries, death, etc. It provides full compensation to the nominee in case the owner dies in an accident. Do note that this is a mandatory extension that every individual needs to have when purchasing vehicle insurance. Hence, Digit's two-wheeler insurance policies protect your family even in your absence and provide financial security in hard times.

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

• 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