Bike Insurance in Goa

Goa, the smallest state in India, is home to a string of golden beaches, attracting thousands of tourists all year round. This pocket-sized paradise lies on the west coast of India, catering to every tropical whim.

In addition, Goa is a kaleidoscopic mixture of Portuguese and Indian heritage. From immaculate urban townships and dazzling nightlife to pristine blue waters, Goa is a complete tourism package.

However, the increasing population and tourism industry of Goa has resulted in traffic congestion, poor road infrastructure, etc. This is a serious concern for two-wheeler owners who travel on the roads of Goa for daily commune or tourist activities.

Hence, it is crucial for two-wheeler owners to get insurance coverage to avoid financial exhaustion. In this regard, a trusted insurance company like Digit will offer you a hassle-free two-wheeler insurance policy in Goa.

On obtaining a two-wheeler insurance policy from Digit, you will enjoy the following perks.

• Paperless Claim Settlement Process: Digit’s online claim settlement process allows you to claim your insurance policy via a smartphone-enabled self-inspection process. It saves you a lot of time and negates the need for any paperwork. Simply call us and wait for a link to your registered contact number. Then, follow the step-wise guide and upload pictures of the damaged sections of your bike or scooter. After this, our team will look into the matter and get back to you with an estimate. Then, based on your preference, you can opt for a Reimbursement or Cashless Repairs. This fast and easy process helps us maintain a high claim-settlement ratio for bike insurance.

• IDV Customisation Option: IDV, or Insured Declared Value is an important component of your two-wheeler insurance plan. A higher IDV against a higher premium confirms improved coverage in the event of theft or damage beyond repair. On the contrary, a lower IDV will bring down the premium but does not compensate during the circumstances mentioned above. At Digit, you get the option to modify the IDV in bike insurance as per your requirements.
• Nationwide Digit Network Garages: Digit has tie-ups with several network garages country-wide, offering repairs and replacement services. Furthermore, on selecting the "Cashless" mode of repair, you do not have to pay anything at the garage. You will also receive a 6-month warranty on all repair services across all network garages in India.
• Round-the-clock Customer Service: Be it a Sunday or a national holiday, you can contact Digit's customer support team anytime for any insurance-related concern. They provide prompt and reliable assistance any time of the day, every day.

Here are the ways motorcycle insurance from Digit will save you and your two-wheeler:

• Multiple Types of Two-wheeler Insurance Policies: The company 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.

• Complete Protection from Legal Penalties: The motor vehicles act, 1988 has mandated two-wheeler insurance policies for every two-wheeler owner in India. Any violation will lead to a lump-sum fine of ₹2,000 for the first time. For the subsequent ones, you will be charged ₹4,000. You may also be taken into custody for 3-months, depending on the severity of your offence. Hence, getting a bike insurance policy is of utmost importance to avoid legal issues.
• Enhance Policy with Add-ons: When you buy a comprehensive bike insurance policy, you get the option to purchase add-ons to enhance its coverage. They come at nominal extra expenses but are really useful in a variety of situations. A great example of add-ons is the return to invoice cover. Let’s say your bike or scooter gets damaged beyond repair in the event of an accident. In such cases, we will pay the entire amount mentioned on the invoice to help you deal with the loss. Furthermore, you can also opt for Zero Depreciation cover. If you have this add-on in your bike insurance policy, we will bear the depreciation costs for you. So, you will get a higher compensation amount.
• Personal Accident Cover: If you purchase a two-wheeler insurance policy, it is mandatory to get a personal accident cover. This cover will compensate the expenses under various situations, such as injuries, partial or permanent disability or death of the policyholder. Hence, it is crucial to get this cover to secure your family during financial emergencies.

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

• 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