Ernakulam is the central part of Kochi of Kerala. It has many significant establishments, including the office of Kochi Municipal Corporation, Kerala High Court, and Cochin Shipyard. It is also a famous tourist spot attracting many visitors.

However, the city of Kochi features a tropical monsoon climate with heavy rainfall. This area also sees massive traffic congestion on a daily basis. There has also been major growth in the population and number of vehicles in recent years.

Under such circumstances, bike owners can face unforeseen situations like accidents, personal vehicle damage, etc.

Thus, having a two-wheeler insurance policy becomes crucial for them to safeguard their finances in case of mishaps.

If you are a bike owner in Ernakulam looking for two-wheeler insurance, Digit can be a suitable option for you. With them, you can customise your policy add-ons as per your choice and budget.

To find out more, read on.

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

• 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

Digit is one of the trusted two-wheeler insurance providers. If you purchase bike insurance from Digit, you will get multiple benefits. They are:

• Paperless Claims Settlement Process: The claim settlement process in Digit is super-fast and comes with a smartphone-enabled self-inspection feature. Just dial their number as mentioned on the website, and you will get a link on your mobile. Visit the link for self-inspection and follow the steps mentioned. Upload clear images of the damaged parts of your vehicle and wait for the response. The team will get back to you at the earliest with a quote. You can then opt for reimbursement or a cashless mode of repair.
• Customise Your IDV: The Insured Declared Value or IDV is the current market value of your bike. The IDV plays a vital role in determining the bike insurance sum insured and the policy premium amount. With Digit, you get to customise the IDV on the basis of your budget and requirement.
• Get Round the Clock Customer Support: We are always available to solve your insurance-related queries 24/7. This is one of the most significant benefits you can get with Digit. You can have any of your issues resolved even on national holidays.
• Thousands of Digit Network Garages: In case you choose Cashless Repairs while claiming the insurance policy, you can take your damaged bike to any of Digit's network garages. These are present all over India, and you can get your bike damages fixed without paying any extra from your end. These network garages also provide a 6-month warranty on all the repairs done on your bike.

If you opt for Digit's bike insurance policy in Ernakulam, you will get the following benefits. Check them out below.

• Avoiding Legal Penalties: The Motor Vehicles Act 1988 makes it obligatory for you to have at least third-party bike insurance. If you ride a bike without a bike insurance policy, you can face a penalty of ₹ 2,000. In case of repeated offences, you may have to pay ₹ 4,000. For serious incidents, it can also lead to 3 months of imprisonment or even cancellation of your license.
• A Wide Range of Two-Wheeler Insurance Policies: With Digit's you can get to choose from various types of bike insurance plans. You can choose from any one of the following based on your need and budget: 

Own Damage Two-Wheeler Insurance: The Own Damage, Two-Wheeler Insurance policy will cover damages on personal bikes and scooters due to unforeseen mishaps. 

Third-Party Two-Wheeler Insurance: The Third-Party Two-Wheeler Insurance policy covers damages and loss for third-party properties and vehicles. 

Comprehensive Two-Wheeler Insurance: The Comprehensive Two-Wheeler Insurance offer coverage for both own vehicle damages and third-party liabilities.

• Personal Accident Cover : You can get a personal accident cover that will financially cover your medical expenses and safeguard your family finances in case of personal injury, permanent disabilities, or even death.
• Get a Wide Range of Add-ons: Digit offers a wide range of add-ons to its customers. You can get add-on covers to extend the coverage of your comprehensive bike insurance policy. These include zero depreciation cover, engine protection cover, breakdown assistance etc. 
• Zero Depreciation Cover: Getting a zero-depreciation cover is highly beneficial as it ensures that no depreciation cost is considered while paying compensation. Due to this, you will get a higher amount during claims. 
• Engine Protection Cover: This cover provides financial assistance for expenses due to the engine repair and replacement post-accident. 
• Breakdown Assistance: This add-on is best to avail if you frequently travel a longer distance. This cover will provide assistance in case you get stuck with a breakdown. You will get coverage for any expenses related to minor damage repair, towing services, fuel assistance, taxi service to reach your destination, etc. So, having suitable add-on covers on your bike insurance can be quite beneficial for you. You can get additional coverage at slightly extra charges.