A municipal corporation in the state of Haryana, Hisar is one of the most important cities in North India. It has been identified as a counter-magnet city for Delhi, i.e., it is being developed as an alternative centre for growth. Also known as the “City of Steel”, Hisar is one of the largest manufacturers of galvanised iron nationally.

Due to the presence of a major steel industry in this city, it attracts people from all over India. Thus, this city’s streets experience traffic congestion round the clock. Furthermore, there is poor traffic management and a lack of proper infrastructure to add to the miseries of the daily commuters. Two-wheeler owners face the ultimate discomfort due to poor road conditions.

Thus, purchasing a two-wheeler insurance policy should be a priority for people living in Hisar. If you are searching for such a policy, consider getting one from Digit. Our claim settlement process is completely online and hassle-free.

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

• 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

Getting a two-wheeler insurance cover from us will give you the following benefits:

• Quick Claim Settlement: At Digit, we settle all claims against our two-wheeler insurance policies online through our smartphone-enabled self-inspection process. This also helps us maintain a high claim settlement ratio when it comes to private two-wheelers. To initiate the procedure, simply call on our number, and we will send a link to your registered contact number. Then, you must follow a step-wise guide and upload photos of the damaged portion of your bike. Our team will then look into the matter and get back to you with an estimate. After that, you can decide to opt for a Reimbursement or go for Cashless Repairs.
• Thousands of Network Garages: We have thousands of network garages all over India. When you opt for Cashless Repairs, these garages repair the damaged portions of your two-wheeler without any extra costs from your end. In addition, they also provide a warranty of 6 months on all their repair works. You simply have to take your two-wheeler to the nearest network garage, and they will do the needful.
• 24/7 Customer Support: Our customer support team will make sure that even the slightest query regarding your bike insurance policy does not go unanswered. Furthermore, they are available 24/7 and will assist you even on national holidays.
• IDV Customisation: At Digit, we like to maintain transparency with all our clients. Therefore, we provide you with the option to customise the Insured Declared Value or IDV of your two-wheeler as per your convenience. The IDV of your two-wheeler greatly influences the sum insured and premium amount of your two-wheeler insurance plan. Thus, we deem it necessary for you to get the option to set it according to your preference.

A two-wheeler insurance cover can protect your bike in Hisar in the following ways:

• Complying With the Law: The Motor Vehicles Act of 1988 mandates every vehicle owner to purchase at least a third-party insurance cover. If you are caught riding a bike without a valid two-wheeler insurance policy, the authorities will impose a fine amounting to ₹2,000. For subsequent offences, this penalty will increase to ₹4,000. Additionally, the authorities may also punish you with a suspension of your driving license or a jail term of three months. This is why getting a bike insurance policy is crucial nowadays.
• Opt for a Two-wheeler Insurance Cover of Your Choice: We primarily offer three types of bike insurance policies to our clients:

Comprehensive Two-Wheeler Insurance Policy – This policy covers the cost of damages to both your two-wheeler and the third parties involved in the event of an accident. It also covers costs incurred due to damages by fire, theft, natural and man-made disasters. 

Third-Party Two-Wheeler Insurance Policy – This policy provides financial coverage for damages by your bike or scooter to third-party properties, individuals or vehicles. 

Own Damage Two-Wheeler Insurance Policy – This policy provides financial cover for your own bike. This comes in handy when you already have a third-party two-wheeler insurance plan and want to get financial cover for damages to your own two-wheeler. It also protects you from financial losses incurred from damages to your bike in case of natural calamities, man-made disasters, fires and theft.

• Personal Accident Cover: When you buy a two-wheeler insurance plan, getting a personal accident cover is mandatory. It ensures that you have adequate financial coverage for expenses in case of death, bodily injuries or permanent disabilities due to an accident. Furthermore, this cover also ensures the financial security of your family and the smooth conduction of your medical treatment.
• Policy Customisation With Add-ons: You can purchase add-ons to your bike insurance policy. This may raise the premium amount of your bike insurance policy; however, they can come in handy in multiple ways. For instance, you can consider purchasing a return to invoice cover. There can be situations where your bike can get totalled or damaged beyond repair in the event of an accident. Under such circumstances, if you have this add-on, we will refund the entire amount mentioned on the invoice. In addition, you can also opt for a consumables cover. After an accident, consumables like nuts, bolts, oil, etc., can become unfit for use. A normal two-wheeler insurance plan will not cover such expenses when you claim your policy. However, if you have this add-on, we will cover these expenses. You can customise your policy as per your preference with Digit.