Two Wheeler Insurance in Indore

According to the Motor Vehicles Act, 1988, you must have at least third-party insurance.

A bike insurance plan will protect your finances from expenses due to any damage or injury due to unforeseen theft, accidents, third-party losses, fire, or personal accident.

If you are a bike owner of Indore, one of the most populous cities of Madhya Pradesh and northern India, then a bike insurance policy can be quite beneficial. Indore sees a significant number of accidents and fatalities due to ill-management of traffic, rash driving and rampant movement of commercial vehicles.

Hence, to safeguard yourself from any mishap or accident, you can get comprehensive, third-party, or own damage bike insurance policies from Digit.

With Digit, you can get cashless repairs at many network garages, 24x7 support, and super-fast claim settlement. Hence, trust Digit if you want two-wheeler insurance for your bike. To know more, keep reading.

Indore- the largest city in Madhya Pradesh. With educational institutions like Indian Institute of Management and Indian Institute of Technology rooting their campuses in this city, Indore has turned into a hub for students flocking in search of better educational facilities.

Indore has topped the list of India’s cleanest city, clinching this title for three years in a row now, 2017,2018 and 2019.

Challenges faced by the Two Wheeler Riders in Indore

Fairly developed yet unsatisfactory infrastructure: Indore administration is currently focused to achieve the first rank in India for better traffic management.

The state government is modernizing the traffic system implementing traffic rules along with the increased number of the traffic police force. However, the damage of the road infrastructure, potholes and narrow lanes within the city are still a nuisance for riders.

Lack of civic traffic knowledge and signals: According to Indore Police reports, 2018 (till June) witnessed 1,765 road accidents out of which 169 road accident deaths were registered.

Congested and busy areas of Indore like the Malwa Mill Square among others face issues of heavy traffic congestion due to the absence of traffic signals, making it prone to accidents.

Illegal habitats. Rash driving and accidents: Encroachments across the city is another challenge for commutation on two-wheelers. The roads are getting narrower and chances of accidents, vehicle damage and skit are rapidly increasing.

Secondly, irresponsible riders (generally the youth) are the victims of accidents caused due to rash driving, bike stunt, traffic violations and helmet avoidance. According to the Indore Police Reports, 30 accident-prone areas have been marked in the city and are provided with extra surveillance.

Increased movement of commercial and heavy vehicles: Increased globalization and industrial demands have consequently increased the volume of heavy vehicles on the city roads even on the narrower ones. These movements in the absence of traffic signals at certain junctions cause immense traffic problems along with fatal accidents. 

Digit’s bike insurance plan offers protection against liabilities that arise from injuries to the rider and the pillion as well as third parties, depending on the kind of policy you purchase. The two major plans offered are:

• Comprehensive Insurance Plan - This covers damages caused to your bike by any man-made or natural catastrophe and the third-party liability as well.
• Third-Party Insurance Plan: This covers only third party damages like injury or death or damage caused to any third party person or property/vehicle. Know more about Third party bike insurance.

Save yourself from traffic Penalties: A third party insurance plan of Digit secures your expenses incurred on the traffic fines which in current date are quite heavy on the pocket. It fulfils the mandate of compulsory bike insurance to ride legally on the road. Penalties for the offence of riding without minimum bike insurance has become ₹.2000 post the motor vehicle amendment in September 2019.

Know more about Traffic Fines.

Protect your bike under the comprehensive policy: The comprehensive bike insurance ensures the coverage of damages to your bike caused by any accident, natural calamity, theft, vandalism or similar situations. It also takes care of your third-party liability. This can be customized in addition with the add-ons to increase the scope of the basic coverage.

Add-ons to offer better protection in Indore: There are multiple add-ons available from Digit in order to extend the coverage limits under the comprehensive policy. Some of them are break-down assistance, return to invoice & zero depreciation. You can explore them and add to your base policy as per your requirement.