Bike Insurance in Durgapur

Durgapur is a major industrial city of West Bengal and is also called the Steel Capital of East India. Moreover, it is an emerging IT and real estate hub with several proposed residential areas yet to be built.

The population of the city has been on a constant rise due to increasing job opportunities. This has also led to a steep growth in the number of private vehicles. However, the road infrastructure is insufficient and that causes massive congestion and traffic snarls. Accidents and thefts are not uncommon here.

So, if you are a bike or scooter in Durgapur, get your two-wheeler insured at the earliest to avoid unnecessary financial outflow due to an accident or mishap.

Digit is a reliable motor insurance provider that offers various types of bike insurance at affordable premiums. We provide various unique features and benefits that set us apart from the rest.

Here’s why you should be opting for a two-wheeler insurance policy by Digit in Durgapur:

• Online Claim Settlement: One of the most notable benefits of choosing Digit insurance is that it offers a simple claim settlement process that is completely online. It does not involve any paperwork or document submission. You can raise a claim online from anywhere at any time. To raise a claim, you have to first give us a call on the provided number. Next, you will receive a link to start the self-inspection process. Follow the steps and upload pictures of the damaged part of your bike after clicking clear images of it through your phone. Finally, the team will review the matter and get back to you with a quotation. You can choose whether you want a reimbursement or cashless repair service at one of the network garages. The process is straightforward and quite fast.
• Group of Network Garages Offering Cashless Service: If you have chosen the cashless service of Digit to claim the two-wheeler insurance policy, you simply have to reach the nearest network garage in the city with your vehicle. Digit has thousands of garages spread over different places in India. These garages will repair your damaged bike without any additional charges.
• IDV Customisation: IDV stands for Insured Declared Value and the market value of your vehicle. To maintain transparency, Digit offers its customers the facility to modify IDV in bike insurance. It influences the policy premium amount and the sum insured. Do remember that if you set a higher IDV, the policy premium will be higher and vice versa.
• Round-the-clock Service: A mishap can happen at any time, anywhere. So, we provide round-the-clock customer support service to help you out in emergencies. Moreover, our team is always prepared to resolve any queries that you might have regarding your policy. We are available even on national holidays.

The reasons that convince people to choose the Digit two-wheeler insurance policy in Durgapur are:

• No Legal Penalties: You are liable to pay a penalty as per the provision of the Motor Vehicle Act of 1988 if you do not have a valid motor insurance plan for your vehicle. You will be charged a fine of ₹ 2000 for the first time and ₹ 4000 for repeated offences. Apart from this, in certain circumstances, there might be imprisonment of 3 months. However, you can avoid this by getting a Digit two-wheeler insurance policy in Durgapur.
• Different Two-Wheeler Policy Option: 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.

• Add-Ons Customisation: Add-ons help to extend the coverage of the existing comprehensive two-wheeler policy and provide better coverage. Even though they come at an extra cost, they can be a saviour in certain circumstances. Let’s take an example of the return to invoice cover. This add-on comes extremely handy if your bike is damaged beyond repair or is stolen. In these cases, Digit will refund the amount stated in the invoice. This cover is suitable for new bikes. The return to invoice add-on will also cover the road tax and the registration charges. Besides these, you can get consumables cover, roadside assistance cover, zero depreciation cover, etc.

• Personal Accident Cover: Personal accident cover benefits policyholders by giving financial assistance against expenses incurred due to injuries, death, or permanent disabilities. Thus, it serves to protect the finances of your family in your absence.

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

• 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