Gautam Buddha Nagar is a district in Uttar Pradesh. Being a part of the Delhi NCR, this district sees a massive inflow of traffic round the clock. In addition, bad road conditions, poor traffic management, heavy commercial vehicle movement and reckless driving make these streets accident-prone. Thefts are a common occurrence.

Thus, to avoid financial setbacks due to accidents and losses, having a two-wheeler insurance plan is a must for every bike owner in Gautam Buddha Nagar.

When you look for a two-wheeler insurance policy in the market, there are various big names that you can consider. Among them, Digit is a reliable insurance policy provider. Digit lets you set the IDV of your bike based on your preference.

To know more about what Digit bike insurance offers, read on.

Following are the two wheeler insurance add-ons available in Gautam Buddha Nagar:

• 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 provides its two-wheeler insurance policyholders with the following advantages:

• 24/7 Customer Service: The customer service team at Digit is available 24 hours a day, 7 days a week, to take your calls. Our representatives will resolve all your queries regarding your two-wheeler insurance policy. Moreover, even if you call on a national holiday, we will happily help you out.
• Online Claim Settlement: Digit's two-wheeler insurance policies have a smartphone-enabled self-inspection claim-settlement process. As a result, there is no need to submit loads of documents or fill out multiple forms. The entire process is smooth and super fast. This fast and easy mechanism helps them maintain a high claim-settlement ratio when it comes to bike insurance. When you want to file a claim, simply call Digit on the provided number. Then you will receive a link to your registered contact number. After this, you must upload pictures of the damaged parts of your two-wheeler by following a step-wise guide. Next, the concerned team will look into the matter and get back to you with an estimate. Then, based on your preference, you can opt for Cashless Service or a Reimbursement.
• Option to Customise the Insured Declared Value: Your bike's Insured Declared Value or IDV has a big influence on your two-wheeler insurance policy's premium and sum insured. Digit lets you customise the IDV of your bike according to your convenience. Be careful while choosing the IDV amount. Higher IDV can get you higher compensation, but you will have to pay a higher premium
• Thousands of Network Garages All Over India: Digit has a vast chain of network garages all across India. If you opt for cashless repairs, you can take your damaged two-wheeler to one of the nearest garages. This will ensure that your bike or scooter gets repaired without any additional expenses from your end. Furthermore, all the repairs done by these network garages have a warranty of 6 months.

Other than providing financial coverage in the event of an accident, a two-wheeler insurance policy also protects you in the following ways:

• Personal Accident Cover: If you ride a bike or scooter, a personal accident cover is quite essential. This cover makes sure that you have adequate financial coverage for expenses you incur due to permanent disabilities or injuries during an accident. Furthermore, the family of the owner can get financial assistance in case of death.
• Select a Two-Wheeler Insurance Plan of Your Choice: You can find three types of two-wheeler insurance policies available with Digit:
  • Third-Party Two-Wheeler Insurance Policy
  • Own Damage Two-Wheeler Insurance Policy
  • Comprehensive Two-Wheeler Insurance Policy

All these bike insurance policies have their own unique features, and you can select one that suits your needs the best.

• Add-ons to Enhance Coverage: You can enhance the coverage of your two-wheeler insurance policy with the help of add-ons. These add-ons, however, will come at extra expenses. Here are some of the add-ons that you can get from Digit. You can add Zero Depreciation cover as an add-on to your bike insurance policy. Usually, the insurer will factor in the depreciation costs of the bike parts while paying compensation. This reduces the amount. With zero dep cover, the insurer will exclude depreciation charges and you will get more amounts. In addition, you can also opt for an Engine Protection cover as an add-on. After an accident, it is quite natural for your bike's engine to suffer from damage. If you have this add-on in your two-wheeler insurance policy, Digit will cover the cost of engine repair and replacement.
• Avoiding Fines: The Motor Vehicles Act of 1988 makes it mandatory for every vehicle owner to have at least a third-party insurance cover. If you ride your bike without a valid two-wheeler insurance policy, there is a fine of ₹ 2,000. This penalty will rise to ₹ 4,000 for repeated offences, and the authorities may also decide to punish you with 3 months of imprisonment or suspension of your driving licence. Hence, whether it is to protect yourself financially in case of an accident or to comply with the laws, a two-wheeler insurance plan is a must for a bike owner.