Two Wheeler Insurance in Jaipur

Jaipur, the pink city of India and the capital of Rajasthan is well known for its Rajwadas, palaces, Hawa Mahal, Laal maans, folk dance and music. It was also one of the earliest planned cities of modern India, designed by Vidyadhar Bhattacharya.

Jaipur is a popular tourist destination and forms part of the west Golden Triangle tourist circuit along with Delhi and Agra. Recently in July 2019, it has been declared as a World Heritage Site by UNESCO for two sites – Jantar Mantar and Amber Fort.

Challenges faced by Two Wheeler Riders in Jaipur

• It’s hot!: Jaipur’s climate, being in the deserts of Rajasthan, is quite harsh. Summers can be as high as 46-50 degree celsius, while in winters rural surrounding can be as chilly as below-freezing temperatures at night. The adverse climatic conditions also affect the vehicles’ physicality and performance, engine trip due to the heat being the prime issue for the bikers.
  
• Increased commercialization of the area: Being a commercial hub for leather goods, sculptures, murals and pottery, Jaipur in the recent past witnessed continuous movement of heavy-duty vehicles like trucks and lorries, especially in the congested narrow and poorly maintained roads and this elevates the area’s affinity to third party accidents despite the presence of speeding dumpers, strict traffic rules, among others. In 2017, the city marked a total of 2,983 road accidents out of which 753 were fatal.
  
• Rash driving; irresponsible driving methods: Recently in July 2019, a drunk Audi driver knocked down a two-wheeler causing fatal injuries to the biker. Several times, the mishaps of accidents are the result of someone else’s irresponsible driving which ultimately has to do nothing with one’s own caution and rule-based traffic adherences. Lately, ~295 vehicle owners were fined for drunk driving in the city. 
  
• Missing vehicles and vehicle theft: The state has registered several missing vehicle cases in the recent past. The stolen bikes are sold in grey markets of Jaipur. Even these bikes are dismantled and the components are used in wood cutting machines. Jaipur police have reported arresting 400 vehicle lifters in the year 2018. 
  

Digit Insurance is online, hassle-free and timesaving. It is paperless and no middlemen are involved.

• Digit offers two types of bike insurance plans:
  
• a) Comprehensive Insurance Plan: This policy pays you for damages caused to your bike by accidents, fires or natural disasters, theft, etc. It also covers your third party liability.
  
• b) Third-Party Bike Insurance Plan: This covers only third party damages like injury or death or damage caused to the property/vehicle. Damages to your own bike will not be covered under this policy.
  
• All in one solution with comprehensive policy: Being a commercially busy area Jaipur leads to a higher chance of road accidents. So the probability of bike damage in the city stands high. It is always advisable to opt for a comprehensive bike insurance policy so that you will be able to face several challenges on Jaipur roads and maintain a new shine on your two-wheeler. This can be loaded with multiple add-ons to increase the scope of coverage.
  
• Avoidance of heavy fines: In order to make the Indian Rods safer, the penalties associated with traffic violations have been revised in the Motor Vehicle Amendment Sept. 2019. The fine for riding an uninsured bike is ₹2000 and/or 3 months of imprisonment. So get your bike insured before you hit the road. 
  
• Additional Safeguard with Add-ons: Add-ons can be purchased at separate costs in order to provide broader coverage. “Return to invoice” add-on is suitable for Jaipur as the city is prone to theft. With this cover, the full amount of your two-wheeler (On-road price) will be paid to you in case of a theft. You can also consider “Breakdown Assistance” considering the heat of Jaipur in which the engine may stop working in the course of a ride. There are other add-ons like Engine & Gearbox Protection, Consumable Cover, Zero Depreciation Cover among others.