Two Wheeler 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: To do away with the tedious paperwork, Digit facilitates the convenience of claiming policy online in a few easy steps:

  • You need to call Digit to receive a self-inspection link on your registered number.
  • Click on the link and upload photos of your damaged motorcycle components as evidence.
  • Once received, Digit's team will evaluate your claim and offer an estimate. You can either go for Reimbursement or Cashless repairs.
• 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 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: Digit crafts its insurance covers to fit your requirements efficiently. You get to choose from the following types of insurance policies:

  • Comprehensive Two-wheeler Insurance Policy
  • Own Damage Two-wheeler Insurance Policy
  • Third-party Two-wheeler Insurance Policy
• 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 the Policy with Add-ons: On choosing a comprehensive two-wheeler insurance policy, Digit allows you to strengthen coverage with add-ons against nominal rates. Although you will have to pay a higher premium, the add-ons will substantially improve the existing policy coverage. Some of them are:
• Zero Depreciation Cover: Under this add-on, Digit will not deduct any depreciation cost based on the age of your bike or scooter. Moreover, we will pay almost the entire cost of the motorcycle parts that are to be replaced without deducting the depreciation cost.
• Return to Invoice Cover: With this add-on, you will receive full compensation on the invoice value of your bike or scooter’s repairs. This applies during unforeseen situations such as theft or if your motorcycle is damaged beyond repair.
• Roadside Assistance: This add-on will be helpful in situations such as flat tyres or sudden motorcycle breakdowns. Digit offers several services, like repairing on the spot or towing it to a nearby network garage for the required services. Digit also extends taxi service to the customers who leave their two-wheeler in the garage for the necessary course of action.
• 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.