Bike Insurance in Guntur

Guntur is the administrative headquarters of the Guntur district and is the third largest city in Andhra Pradesh. It is a part of the East Coast Economic Corridor and has Asia’s largest chilli market yard.

The city witnesses heavy bumper-to-bumper traffic, improper traffic management and violation of traffic norms. Moreover, there is a lack of proper road infrastructure. All this contributes to massive traffic congestion, fatalities and accidents.

Therefore, in order to financially safeguard yourself from unforeseen accidents in such deplorable conditions, the need for a two-wheeler insurance policy is critical.

If you are in need of a bike insurance policy, consider getting one from Digit. The claim settlement process is quick and hassle-free and gets over in minutes. Find out more about Digit below.

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

• 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

When you buy a two-wheeler insurance policy from Digit, you get a lot of perks. They are:

• Paperless Claim Settlement Process: When it comes to claiming your insurance policy, Digit’s smartphone-enabled self-inspection process negates the need for any paperwork. To start, simply dial the provided number on Digit’s website to get a link to your registered contact number. Then you have to follow a stepwise guide and click pictures of the damaged parts of your two-wheeler. The team dealing with your claim will look into the matter and contact you with a quote. Then, depending on your preference, you can opt for a reimbursement or cashless repairs. This quick and easy process helps Digit maintain a high claim settlement ratio when it comes to bike insurance.
• Constant Customer Support: The customer support team at Digit is available 24/7 to clear doubts about your two-wheeler insurance policy. Even if you contact us on national holidays, our team will be happy to help you out.
• Chain of Network Garages All Over India: Digit has a massive chain of network garages all over India. When you opt for Cashless Repairs, you can take your damaged bike or scooter to one of these garages. You can get your vehicle fixed without any additional expenses from your end. Furthermore, these network garages provide 6 months of warranty on all their repair work.
• Options to Customise Your Bike’s IDV: Your bike’s Insured Declared Value, or IDV, has a big influence on the premium and sum insured of your two-wheeler insurance policy. Thus, Digit allows you to customise the IDV in bike insurance based on your preference. Make sure to choose an appropriate IDV for your insurance. A higher IDV will ensure higher compensation, but the premium amount will also be more.

Here’s how Digit can protect your two-wheeler in Guntur:

• Various Types of Two-Wheeler Insurance Policies to Choose: 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.

• Enhance Your Policy Coverage With Add-ons: When you opt for a comprehensive two-wheeler insurance plan from Digit, you get the opportunity to purchase add-ons. These add-ons will extend the coverage of your existing policy. Although they come at nominal extra costs, they can be quite beneficial in multiple scenarios. Let's take the example of consumables cover. The cost of replacing nuts, bolts, oil, lubricants, etc., generally does not come under the cover of a two-wheeler insurance policy. However, after an accident, the situation may be that you might have to replace the engine oil, lubricants, etc. In such cases, if you have this add-on, Digit will pay for these expenses. Roadside assistance is another add-on from Digit. This cover will provide financial help for the costs you would face for repair and replacements caused due to a sudden vehicular breakdown in the middle of a journey.
• Avoid Legal Penalties: Motor Vehicles Act of 1988 mandates every vehicle owner to buy a third-party insurance cover. If you are caught riding your bike or scooter without a two-wheeler insurance policy, there will be a hefty fine of ₹ 2,000. For subsequent offences, this fine may rise to ₹ 4,000. In some cases, the authorities may also decide to punish you with 3 months of imprisonment.
• Personal Accident Cover: A personal accident cover will financially safeguard bike owners and their families in the event of an accident. If you suffer from bodily injuries or permanent disabilities, this cover will provide financial assistance for the medical treatment costs. In case of death due to an accident, the nominee is entitled to get the entire sum insured. The PA cover is mandatory for everyone buying a motor insurance policy.