Charminar. Nawabs. Biryani. The three words are enough to describe Hyderabad – the ‘nawabon ka shehar’. Due to its prominence as a major high-tech centre, it is one of the fastest-growing cities with a population density of more than 17,000 persons per sq.km. A high rate of migration to the twin city has been driven by the rapid rate of urbanization with increased economic activity leading to an increase in the use of personal and public transportation.

Challenges faced by Two Wheeler Riders in Hyderabad

The deteriorating condition of road infrastructure: Recently in November 2019, a lady driving a scooter died due on the road since after her vehicle skit on the loose gravel and sand from a pit on the road. In August 2019, The GHMC had identified 978 patches of roads that were in a bad condition and pegged the number of potholes in the city at 4,000. 

Increased traffic violations: In 2019, traffic violations in Hyderabad including cancellation of driving license due to rash driving, use of cell phones while driving, overloading and drunk driving, increased by 50%. This states the irrational percentage of drivers on the road who can actually cause accidents and lead to damage to a rational driver’s vehicle.

Scarcity of parking spaces: Scarcity of parking space, especially near corporate parks and holiday/getaway places have also been marked as accident-prone areas - majorly for scratches, dents, and minor accidents due to paucity of place for better parking and mobility. Secondly, this attitude is also one of the major reasons for vehicle theft in Hyderabad. 

Digit offers two types of bike insurance plans:

• Comprehensive bike insurance: This covers the cost of repair of any damage caused to your bike by accidents, fire, natural disasters or thefts, etc. It covers damages to the third party like injury or death, damages to the vehicles and property as well. 
• Third-Party bike insurance: This policy covers third party damages like injury or death or damage caused to the property/vehicle when you are at fault. Digit offers a choice of coverage amount from Rs. 6,000 to Rs. 1 lakh. Also, third-party bike insurance is mandatory as per the Motor Vehicle Act and without which you will have to pay a penalty of ₹.2000 in Hyderabad.

Extra protection with Comprehensive cover: The comprehensive bike insurance plan has two components: Own damage cover & TP policy. So with this policy, you can recover damages to your own bike as well as to a third party.

Considering the increase in the traffic violation in Hyderabad, this policy is a must! You can ride in peace with comprehensive bike insurance by your side. Further, it can be associated with add-ons to provide better coverage.

Know more about Own Damage Insurance for Bike.

Personal Accidental Cover: According to Hyderabad’s traffic police reports, nearly 72% of accidents lead to fatal and grievous injuries, even after precautionary checks put under surveillance.

Therefore, the personal accidental cover is essential for bikers to ensure financial assistance for unforeseen emergencies, medical expenses, etc. The PA cover can be purchased with stand-alone TP policy and with a comprehensive policy as well.

Get Add-ons along with comprehensive policy: Digit offers customizable add-on that can be included along with the comprehensive plan at an additional cost. For Hyderabad, Consumable cover, engine and gearbox protection, return of invoice, breakdown assistance among others are available.