Bike Insurance in Kamrup

Kamrup is an administrative district in Assam. It has famous tourist spots like Madan Kamdev Temple, Kamakshya temple, Doul Govinda Temple, Hajo, etc., that attract tourists throughout the year.

Being a predominantly low land, this area is prone to annual floods. Moreover, potholes on the roads, lack of proper infrastructure and heavy traffic due to tourist attractions make these roads fraught with danger.

Riding your motorcycle in such road conditions is dangerous, and accidents can happen anytime. Thus to safeguard yourself financially during unforeseen mishaps, having a two-wheeler insurance policy is crucial.

In case you do not have a bike insurance policy and are thinking of purchasing one, you can try out Digit Insurance. The online claim settlement process of Digit is fast and hassle-free and does not need submission of document hard copies and filling of various forms.

Keep reading the article to find out more about what Digit offers.

Check out the benefits Digit provides its two-wheeler insurance policyholders:

• 24-hour Customer Support: The customer support team at Digit is always ready to take your calls regarding any doubts with your two-wheeler insurance policy. This service is available 24/7, and they will even happily take up your queries on national holidays.
• Online Claim Settlement Process: Digit allows you to settle claims against your two-wheeler insurance policy online. Their smartphone-enabled claim settlement process is quick and gets over in a matter of minutes. To start the process, you simply have to call Digit in order to get a link to your registered contact number. Then, you have to follow a stepwise guide and click photos of the damaged portions of your vehicle. After that, the team looking into this matter will contact you with an estimate. Then, based on your preference, you can choose either a reimbursement or go for cashless repairs. The ease of this entire process enables Digit to maintain a high claim-settlement ratio for private vehicles.
• Thousands of Network Garages All Over India: If you choose cashless repairs while claiming your insurance policy, you can take your damaged vehicle to any of Digit’s network garages. They are present all over India and ensure that you can get your bike fixed without any extra spending from your end. Furthermore, these network garages provide a 6-month warranty on all repairs on your vehicle.
• Customise the IDV: The Insured Declared Value, or IDV, of your vehicle significantly influences your bike insurance policy's sum insured and premium. Digit believes in maintaining transparency with all its clients and thus allows you to customise the IDV in bike insurance in accordance with your budget and convenience.

Here is why you should choose Digit for two-wheeler insurance in Kamrup:

• Avoiding Legal Complications: The Motor Vehicles Act of 1988 mandates every vehicle owner to have at least a third-party insurance plan. If the authorities catch you riding your bike without an insurance policy, there will be a fine of ₹ 2,000. For subsequent offences, the penalty will rise to ₹ 4,000. In some rare cases, the authorities may also punish you by cancelling your driving license or 3 months of imprisonment. Thus, a two-wheeler insurance plan saves you from a lot of unnecessary legal obligations apart from providing financial coverage in case of an accident.
• Personal Accident Cover: In case you suffer from injuries, permanent disabilities, or death in the event of an accident, a personal accident cover will provide the necessary financial coverage. This will ensure that your medical treatment goes on smoothly and also financially secure your family. Thus, having this cover is critical if you are a bike or scooter owner. 
• Choose a Two-Wheeler Insurance Policy Based on Your Need: Digit offers three types of two-wheeler insurance. Third-party bike insurance, which covers only third-party liabilities such as injury, death, or property damage. Own damage bike insurance, which covers loss and damage to your own bike, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party bike insurance policy, and lastly, there's comprehensive bike insurance, which covers both own damage and third-party claims.
• Customise Your Policy With the Help of Add-ons: Add-ons help you enhance the coverage of your two-wheeler insurance policy. They come at nominal extra expenses but can benefit you greatly in a variety of situations. Let’s take the example of the return to invoice cover. This add-on comes in handy when your two-wheeler is totally damaged beyond repair in the event of an accident or is stolen. In such dire situations, Digit will refund the entire amount mentioned in the invoice. Additionally, you can also opt for roadside assistance cover. If your bike or scooter breaks down in the middle of the road, this add-on will enable you to get your two-wheeler fixed on the spot. This add-on also includes coverage for towing facilities in case your bike cannot be repaired on the spot. Moreover, it also includes perks like fuel assistance. In this case, Digit will arrange for 5 litres of fuel to your location when you are stuck on the road with an empty tank. Furthermore, the Roadside Assistance add-on also includes coverage for expenses due to flat battery, spare keys, flat tyre, minor repairs, medical coordination and urgent message relay to relatives.

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

• 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