Ghaziabad is located in Uttar Pradesh and also forms part of the National Capital Region (NCR). Notoriously, it is also stated to be the most polluted city in India. The city is continuously reporting increased two-wheeler purchases with ~17,26,160 two-wheeler vehicles sold in May 2019, with Honda Activa the most preferred.

Challengs faced by Two Wheeler Rides in Ghaziabad

• Over-congested traffic - Ghaziabad faces bumper-to-bumper vehicular traffic in the city. In 2019, GDA has even instructed the Central Road Research Institute to plan for traffic movement in the city to surpass the traffic congestion to minimal.
• Accident-prone Area - Ghaziabad’s air quality index (AQI) is ~500 which according to the parameter is severely polluted (source: The Times of India) due to traffic and dust accumulation from farm fires in Haryana and Punjab. The resultant effect is the smoggy atmosphere which makes vehicular movement difficult. Since the approx. near view is limited, the propensity for an accident is relatively higher, especially during the night and rush hours. According to reports, the city witnessed 374 road accidents out of which 151 were fatal.
• Increased commercialization of the area - The city sees the continuous movement of heavy-duty vehicles like trucks and lorry, especially in the congested narrow and poorly maintained roads of Ghaziabad and elevates the areas’ affinity to third party accidents despite the presence of speeding bumpers, strict traffic rules, among others. It is reported that of the total accidents witnessed in Ghaziabad, ~50% are mishaps to personal cars and two-wheelers, while heavy and light vehicles account for 20%. 
• Theft, robbery or even dismantled bikes - As reported by Ghaziabad traffic police department analysis 2019; 3,334 vehicles were stolen between January to October in 2019; the maximum is by way of vehicle theft which is reported to be 760. These thefts are majorly supported by the scarcity of parking spaces near markets, offices and residential areas.

It is – Online. Quick. Customized. Further, who would not like a hassle-free, one-touch stop for all insurance requirements on his/her smartphone! What are the Insurance Options you get to choose?

• Digit offers two types of bike insurance plans:
  
• a) Comprehensive Bike Insurance Plan: Covers damages caused to your bike by accidents, fires or natural disasters, theft, etc. It also offers protection for third party losses, vehicles as well. 
  
• b) Third-Party Bike Insurance Plan: Covers only third party damages like injury or death of an individual or damage caused to the property/vehicle. Digit offers a choice of coverage amount from Rs. 6,000 to Rs. 1 lakh. 
  
• Avoidance of heavy fines: It is illegal to ride an uninsured bike on Indian roads. The traffic penalty w.e.f. 2019 in traffic fines are elevated and now for the offence of riding without insurance may cost you ₹2000 and/or imprisonment of 3 months and suspension of your driving license too. Under such circumstances, Digit’s third party bike insurance can act as a rescue for you. 
  
• Protection with comprehensive bike policy: The plan will cover any loss to the vehicle and damages to the third party’s life/property/vehicle. This plan can further be customized in association with the add-ons to deal with the above mentioned.
  
• Personal Accidental Cover: With increasing pollution and rate of accidents, personal accident cover through comprehensive insurance plan is highly advised for bike owners in Ghaziabad. 
  
• Add-ons that can save your money in Ghaziabad: Ghaziabad’s climate is largely affected by Rajasthan's dust storms and snowfall in the Himalayas, Kumaon and Garhwal hills. This accumulated dust and poorly maintained road infrastructure results in wear and tear of the vehicle and its major parts. So frequent repairs can be expensive. For such situations, you can opt for a Zero-depreciation cover. As Ghaziabad is affected by the issue of bike thefts, return to invoice can prove to be a suitable add-on. You can explore other Digit add-ons at minimal individual costs over the base policy.