Bike Insurance in Gandhidham

Gandhidham is a city in the Kutch district of Gujarat. Apart from being the largest and most populated city in the district, it is a hot destination for businesses, meetings and conventions, making it the economic capital of this district.

Thus, it is not uncommon to see a large number of people move in and out of this city on a daily basis. Moreover, rising vehicle numbers, inefficient civic administration, and traffic norm violations make this city's streets fraught with mishaps.

 Hence, if you are a bike owner in Gandhidham, you must have a two-wheeler insurance policy to safeguard against any financial losses due to any unforeseen incident.

In case you are searching for a bike insurance plan, why not try out Digit? Our online claim settlement procedure is completely paperless and gets over in a matter of minutes.

Choosing a two-wheeler insurance policy from Digit can get you the following benefits:

• Customisation of Your Two-Wheeler's IDV: We give you the option to customise the IDV in bike insurance according to your preference. The Insured Declared Value, or IDV, is basically the maximum amount that you will get as compensation in the event of theft or total damage. It plays a major role in determining the premium and sum insured of your two-wheeler insurance plan. If you opt for a lower IDV, the policy premium might be lower, but the sum insured will also be lower. Furthermore, it also helps us maintain a high level of transparency.
• Continuous Customer Assistance: Our customer assistance team is available 24 hours a day and 7 days a week to assist you. Hence, if you have any queries regarding your bike insurance policy, do not feel any hesitation in reaching out to us. In addition, our customer assistance services are available on national holidays.
• Paperless Settlement of Claims: At Digit, all claims against our insurance policies are settled via an online paperless mode. Thus, there is no need to physically submit any document or fill out loads of forms. Our smartphone-enabled self-inspection feature will enable you to file a claim against your two-wheeler insurance policy in a fast and easy manner. Simply call us to initiate the process, and we will send a link to your registered contact number. Then, you can follow a step-by-step guide and upload pictures of the damaged parts of your bike or scooter. After that, a team from our end will inspect the matter and get back to you with an estimate. Then, you can opt for cashless repairs or a reimbursement. Our simple and hassle-free claim settlement process enables us to have a high claim settlement ratio for bike insurance.
• Thousands of Digit Authorised Network Garages: We have thousands of network garages all over India. If you choose Cashless Repairs while filing a claim against your bike insurance policy, you can bring in your damaged two-wheeler to one of them. They will repair your bike or scooter, and you won't need to bear any additional expenses from your end. Furthermore, you get 6 months of warranty on all their repair work.

A two-wheeler insurance policy does much more than provide financial cover after an accident:

• Personal Accident Cover: When you purchase a bike insurance policy, a personal accident cover is a mandatory extension that you have to take. It ensures that you get financial cover for expenses incurred due to injuries or permanent disabilities after an accident. Moreover, even if the bike owner dies in the event of an accident, this cover will provide financial compensation to his/her family.
• Choose from Various Two-Wheeler Insurance Policies: 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.

• Adhering to Law: The Motor Vehicles Act of 1988 made it essential for every vehicle owner to have at least a third-party insurance cover. Thus, if the authorities find you riding a bike without a valid two-wheeler insurance plan, they will impose a hefty fine of ₹ 2,000. In case you repeat this offence, the fine will rise to ₹ 4,000. Furthermore, the authorities may also decide to punish you with a 3-month jail sentence and a suspension of your driving license.
• Add-ons to Customise Insurance Policy Coverage: When you purchase a comprehensive bike insurance policy, we give you the option to extend its coverage with the help of add-ons. They come at extra expenses but help you out in multiple ways. Let's take an example for better understanding. You can opt for zero depreciation cover as an add-on cover. If you have this add-on, the insurer will not consider the depreciation charges while paying the compensation. So, you get a higher amount.

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

• 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