Jalandhar is the third most populated city in Punjab. Along with being a global hub of manufacturing sports equipment, this city is also famous for its leather goods and hand tools. Housing so many industries in a single city, Jalandhar draws a massive influx of workers from various parts of the state and the country. Furthermore, pilgrims visit the famous shrines of this city throughout the year.

On top of that, heavy vehicle movement, lack of proper infrastructure and poor management of traffic make things worse. Naturally, accidents and mishaps are quite common.

So, a bike insurance policy is crucial if you are the owner of a two-wheeler in Jalandhar. It will make sure that you have financial cover in case of any mishap.

When you opt for a two-wheeler insurance policy, it is vital to choose a policy provider that settles your claims in a fast and easy manner. Digit is an excellent option in this regard. To find out more, read on.

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

• 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

Our two-wheeler insurance policies provide the following benefits:

• Super-fast Claim Settlement: Digit's smartphone-enabled self-inspection process lets you file claims against your bike insurance policy online. It negates the need for paperwork and gets over in a couple of minutes. To begin this process, you have to call us in order to receive a link to your registered contact number. Then, you need to click pictures of the damaged parts of your vehicle and upload them by following a step-wise guide. Next, our team will analyse the matter and get back to you with an estimate. Then, you can select Cashless Repairs or opt for a Reimbursement based on your preference.
• Option to Customise the Insured Declared Value: Your bike’s Insured Declared Value or IDV is its current market value. It has a great influence on the sum insured and premium of your two-wheeler insurance policy. Thus, we give you the option to customise the IDV of your vehicle according to your convenience. In addition, it helps us maintain transparency with all our clients.
• Cashless Repairs at Network Garages: When you choose Cashless Repairs while claiming your two-wheeler insurance policy, you can bring your bike or scooter to one of our network garages. There are thousands of them all over India, and you can go to one that is the nearest to your location. Here, you can get your two-wheeler repaired without spending anything extra from your pocket. In addition, our network garages provide 6 months of warranty on all their repair work.
• 24X7 Customer Assistance: We are available 24/7 to attend to your calls. No matter how small a query you may have regarding your two-wheeler insurance policy, we will be happy to help you out. Moreover, even if you call us on national holidays, we will take up your case and solve your problem.

These are the ways a two-wheeler insurance policy can save your bike in Jalandhar:

• Choose a Bike Insurance Policy of Your Choice: We have available three types of two-wheeler insurance policies. Each of them has its own features and benefits. You can select one based on your need. They are:

  • Comprehensive Two-Wheeler Insurance Policy
  • Third-Party Two-Wheeler Insurance Policy
  • Own Damage Two-Wheeler Insurance Policy

The features, benefits as well as cost involved will differ for each type of bike insurance plan. Choose one as per your need and budget.

• Customise Your Policy With Add-ons: One of the many benefits of a comprehensive bike insurance policy is that you can extend its coverage by purchasing add-ons. They come at nominal extra costs that add to the premium of your policy, but they prove to be beneficial in various situations. For instance, you can choose roadside assistance. If you are stranded on the road with a broken-down bike, we will provide assistance and cover the cost of fixing your two-wheeler on the spot. In case it is not repairable in that location, we will pay the cost of towing the bike. Alternatively, you can also choose consumables cover. After an accident, consumables like nuts, bolts, oil etc. may not be fit for further use. Comprehensive two-wheeler insurance generally does not cover these costs. However, if you have this add-on in your insurance policy, we will bear these costs for you.
• Personal Accident Cover: When you purchase a two-wheeler insurance plan, a personal accident cover is an extension that is mandatory for you to take. It financially covers the expenses in the event of death, injuries or permanent disabilities during an accident. So, this cover financially secures your family during unfortunate incidents.
• Avoiding Legal Penalties: The Motor Vehicles Act of 1988 mandates all vehicle owners of the country to have at least a third-party insurance cover. If the authorities catch you riding your two-wheeler without a valid insurance plan, they will penalise you with a fine of ₹ 2,000. For subsequent offences, this penalty will rise to ₹ 4,000. Furthermore, the authorities may also decide to suspend your driving license and punish you with 3 months of imprisonment. So, a two-wheeler insurance cover is not only for financial coverage during an accident. It also helps you to adhere to legal regulations.