Gurgaon (officially renamed as Gurugram) is a city located in Uttar Pradesh. Being on the border of Delhi-Haryana, Gurgaon is one of the major satellite cities of Delhi and part of the National Capital Region of India. In the past years, Gurgaon has become a leading financial and industrial hub with the third-highest per capita income in India and the Human Development Index of 0.889 in 2017.

According to the data released by the Society of Indian Automobile Manufacturers (SIAM), two-wheeler domestic whole-sales in Gurgaon grew by 4.86 % in financial year 2018-19.

Challenges faced by Two Wheeler Riders in Gurgaon

Pollution, Dust & Irritation: According to statistics released by IQ AirVisual and Greenpeace in March 2019, Gurgaon was named the most polluted city in the world.

The major reason for pollution is its proximity with Haryana and Punjab which are majorly responsible for farm stubble burns causing severe dust accumulation. This resultant is so adverse that water shower is made during peak seasons to lower the foggy atmospheric state.

More fog, More traffic & More accidents: When the visibility is blurred with these accumulated dust, the frequency of accidents within even close proximity increases manifolds. To avoid accidents the vehicles move slowly and result in irritating traffic.

Poor infrastructure, Rash driving & Fatal accidents: In 2017, more than 48,746 two-wheeler users died in road accidents across India (33% of the total accidents) and the number has been counting high ever since (Source: Ministry of Road Transport and Highway Data Intelligence Unit).

Subsequently, In Uttar Pradesh death toll of such riders was 4,406; reasons are poor road infrastructure, drunk driving, visibility issues due to smog, etc.

Digit has made insurance simpler with digitalization. It saves your precious time, money, effort and offers the best deals.

The Motor Vehicles Act, 1988, mandates the purchase of an insurance policy for any two-wheeler purchase, irrespective of which type of insurance one chooses for himself/herself. Also, an insurance policy brings in holistic safety for one’s life, money, third party damage and of course the heavily invested money on the bike.

Digit offers two types of bike insurance plans:

• Comprehensive Bike Insurance: This policy covers your bike from losses due to an accident, collision, fire, theft, vandalism or damage caused by certain natural disasters. 
• Third-Party Bike Insurance: This policy will pay for bodily injury and property damage of others when you are responsible for their loss in an accident.

Avoid Heavy Traffic Penalties: Gurgaon strictly follows the new traffic rules and penalties after the amendment in the Motor Vehicle Act effective from September 2019. Lately, a two-wheeler rider was imposed with Rs.23,000 traffic ticket for multiple violations. 

For non-holding of third party bike insurance, bike riders are imposed with Rs.2,000 fine. Digit’s third-party insurance policy will save you from getting fined.

Buy a Comprehensive policy for Extra Protection: Sometimes the cost of repairs and bike-related issues can crunch your financial stats.

The financial hit becomes unbearable in case of losing the bike in a natural calamity or theft. So having comprehensive bike insurance will give you peace of mind. It also covers your third party liability. A wide option of customizable add-ons is a perk.

Customize the Comprehensive policy with Add-ons: You can increase the scope of coverage with multiple add-ons under the comprehensive policy.

Considering the probability of accidents in Gurgaon Personal accident cover will be a wise addition to have [PA cover can be purchased with Third-party insurance also]. There are other add-ons like breakdown assistance, return to invoice, etc. present in Gurgaon.