Two Wheeler Insurance in Jamnagar

Jamnagar is a major commercial hub of Western India known for its major oil refineries and petrochemical plants. Despite being a planned city, Jamnagar suffers from poor traffic management and constraints on infrastructure.

Bike theft, fatal accidents and poor road conditions are some of the major factors that lead to mishaps and accidents. So, as a bike owner in Jamnagar, you need to buy a two-wheeler insurance policy. This policy will provide coverage for costs incurred due to unforeseen mishaps, theft, etc.

Also, the Motor Vehicles Act of 1988 mandates that vehicle owners have at least third-party bike insurance.

Digit is a reliable insurance provider offering two-wheeler insurance plans. You can choose from Comprehensive bike insurance and Own Damage bike insurance policies.

To know more about the benefits of Digit insurance policies, read on.

Jamnagar, a city in the state of Gujarat, is well known for the world’s largest oil refining and petrochemical complex set up (by Reliance Industries) and India’s second-largest private refinery set up– Nayara Energy Refinery, in the city. The city is highly commercial and is an important port for export/import of brass parts, refined petroleum goods, bauxite and textile.

Challenges faced by Two Wheeler Rides in Jamnagar

• Mobility and congestion issues: Jamnagar is a planned city, yet has constraints in terms of infrastructure currently. Secondly, increased economic conditions and social demographics have further elevated the traffic congestion in the city, especially near the corporate parks and market areas. It’s funny that the city defines its name in a way, Jam-Nagar!
  
• Frequent road accidents: With increasing bumper-to-bumper traffic conditions, the accident rate is ever high in Jamnagar. Illegal human settlements and encroachments on the busy roads along with illegal parking make it further risky and fatal for bike riders.
  
• Poor traffic management: Most of the busy areas in Jamnagar still do not have proper traffic signals or traffic constables. The mismanagement is a huge reason for accidents in the area especially at night when bike riders or any other vehicles do not care about the signals anyway.
  
• Bike theft: Lack of proper parking areas and narrow lanes across the city have increased the frequency and chances of vehicle theft manifolds. Police have reported more than 15,000 cases of vehicle theft in a recent couple of years in the city. It is also supported by technical advancements in robbery proficiency which would not be eradicated even if u lock your bike or use the automatic locking mechanism.
  

Digit offers insurance plans with no hidden clauses, jargon-free documents and easy to understand language for a simple process. As it is online and free from middlemen, it saves time and money. It suits the Gujarati interest of ‘time is money’ concept. The self-inspection based superfast claim process add to other benefits.

• Types of two-wheeler insurance available:
  
• a) Third-party Bike Insurance insures damages & losses caused to a third-party person, vehicle or property when you are at fault. But this policy is not able to cover the damages to your two-wheeler.
  
• b) Comprehensive Bike Insurance offers holistic cover to both third-party liabilities and damages to your own bike. It helps to recover your two-wheeler from any damage caused by an accident, fire, theft, vandalism or natural calamity. 
• Avoid heavy fines: Third-party bike insurance in India is a legal obligation. If you ride your bike in the absence of insurance, then you may suffer penalties of ₹2000 for the first offence and ₹4000 for the subsequent offence. Also, imprisonment of 3 months may be imposed. So make sure that your bike is insured before you hit the roads. So if your intent is to be law-abiding and spend the least on insurance then you may opt for a stand-alone third-party plan. But keep in mind that you will get no cover for your own bike.
  
• Ride tension-free with comprehensive policy: In terms of several challenges, the comprehensive bike insurance plan is the best option for two-wheeler owners in Jamnagar to safeguard against any unforeseen events, be it damages due to bumper to bumper traffic, accidents, or theft. Again this plan can be tailor-made to improve the scope of basic overage with the help of add-ons.
  
• Add-ons suitable for Jamnagar: Add-ons are available at separate costs over the base plan. Considering the vehicle theft issue in Jamnagar, the “Return to invoice” add-on will be the most appropriate. With this, the on-road price will be returned to you in case of a theft. A “Zero depreciation” cover offers omission of vehicle depreciation costs while calculating the total amount payable during a claim. So this will help your royal bike in not losing its charm. Other add-ons available are Roadside assistance, Engine and gearbox protection, Consumable Cover, Personal accident cover, etc. You can add them to your plan as per requirement.