Bike Insurance in Guwahati

Guwahati is the largest city in Assam. It has a riverine port and is one of the fastest-growing cities in the nation. Furthermore, this city also has a large number of temples and notable tourist destinations that people throng to visit year-round. It is the largest city in northeast India.

In addition, a large number of educational institutes and industries here attract a lot of people from all over the state. Thus, Guwahati has a rising population resulting in increased traffic on the roads. So, if you ride a bike on Guwahati’s streets, you must have a two-wheeler insurance policy.

When choosing a bike insurance cover, you can opt for a reliable provider like Digit to ensure financial protection in case of any mishap. Find out what we have to offer.

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

• 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 choose us for providing a two-wheeler insurance plan, the benefits you get are:

• Paperless Claim Settlement Process: Our smartphone-enabled self-inspection process enables you to claim against our insurance policies online. It negates the need for paperwork and thus reduces hassles on your end. To start the process, you just have to place a call to us. We will then send a link to your registered contact number, and you can follow a stepwise guide to click pictures of the damaged areas of your bike. Then, a team from our end will look into the matter and contact you with an estimate. After that, you can decide to claim your policy via either a reimbursement or cashless repairs. Our quick and easy claim settlement process helps us to maintain a high claim settlement ratio when it comes to bike insurance.
• Network Garages All Over India: We have thousands of network garages all over India. When you choose Cashless Repairs while filing a claim against your two-wheeler insurance policy, you can bring your bike to one of these facilities. These garages will make the necessary repairs and replacements, and you don’t need to pay anything at all. Furthermore, our network garages also provide 6 months of warranty for all repairs done by them.
• Customise the IDV of Your Two-Wheeler: Your bike’s Insured Declared Value, or IDV, has a major role to play when it comes to the sum insured and policy premium of your two-wheeler insurance. Hence, we give you the option to customise IDV in bike insurance according to your convenience. Do note that the higher IDV you choose, the more your insurance policy premium will be.
• 24/7 Customer Service: We serve our customers 24/7. So, if you have any queries regarding your bike insurance, simply reach out to us. We are even available on national holidays to answer all your questions.

Here is how a two-wheeler insurance plan can save your bike in Guwahati:

• Choose from Various Bike Insurance Policies: 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.

• Customise Your Two-Wheeler Insurance Cover With Add-ons: When you buy a comprehensive two-wheeler insurance plan, you can extend its coverage with the help of add-ons. They come at extra expenses but will help you get coverage during various situations. Let’s take the example of daily conveyance benefits. This add-on cover provides coupons from well-known taxi operators or a fixed allowance when your bike is being repaired after an accident. However, do remember that it is only applicable when you have an own-damage two-wheeler insurance policy.
• Personal Accident Cover: By law, every vehicle owner needs to have a personal accident cover while buying an insurance policy. It provides financial coverage for medical bills in case the bike owner suffers from bodily injuries or permanent disabilities in the event of an accident. Furthermore, if the bike owner dies due to an accident, this cover secures their family financially by offering compensation to the nominee.
• Avoiding Legal Penalties: In India, it’s illegal to ride your two-wheeler without a valid bike insurance policy. Moreover, Motor Vehicles Act of 1988 mandates every vehicle owner to have at least a third-party insurance cover. Riding a bike without an insurance policy will attract a penalty of ₹ 2,000. For subsequent offences, this penalty rises to ₹ 4,000 and may also include a suspension of your driving license and a 3-month jail sentence. Hence, the importance of a two-wheeler insurance policy does not end with providing financial cover in the event of an accident. It also helps you avoid unnecessary legal penalties.