Bike Insurance in Kanchipuram

Kanchipuram is a city in the Tondaimandalam region of Tamil Nadu. Also called the 'City of Thousand Temples', this place is famous for its temple architecture, including massive towers and 1000 pillared halls. Due to this reason, Kanchipuram is one of the most prominent tourist spots attracting visitors from all over the world.

Due to such a vast inflow of tourists, this city experiences heavy traffic. Moreover, the lack of proper infrastructure and poor road conditions make the city streets accident-prone. Thus, if you are a bike owner in this city, you need a two-wheeler insurance plan to safeguard yourself financially in the event of an accident.

In case you are looking for a two-wheeler insurance policy, try getting one from Digit. To know in detail what they offer, read on below.

Take a look at the benefits that Digit two-wheeler insurance policyholders get:

• Online Claim Settlement Process: Digit lets you raise claims against your two-wheeler insurance plan online via the smartphone-enabled self-inspection process. It negates the need for submitting loads of documents and filling up numerous forms. The entire claim settlement process is streamlined virtually. You just have to call Digit on the provided number to receive a link to your registered contact number. Then, you have to follow a stepwise guide and take pictures of the damaged portions of your bike. After that, a team from Digit will look into the matter and respond to you with a quote. You can opt for cashless repairs or a reimbursement based on your preference.
• Network Garages All Over India: When you select Cashless Repairs while claiming your two-wheeler insurance policy, you can get your damaged two-wheeler repaired in one of Digit's network garages. There are thousands of such garages present all over India, and you can take your bike to one that is nearest to you. This will ensure that you get your two-wheeler fixed without any further expenses from your end. Furthermore, all repairs done from these network garages have a warranty of 6 months on them.
• 24-hour Customer Support: Digit's customer support team is available 24/7 to take your calls regarding your bike insurance policy. They will even take your call on national holidays.
• Option to Customise the IDV of Your Bike: The IDV, or insured declared value, stands for the current market value of a vehicle. Your bike's IDV will greatly influence the premium and sum insured of your two-wheeler insurance policy. Thus, to maintain transparency with all its clients, Digit allows you to customise the IDV in bike insurance. You can set it according to your preference. Remember, higher IDV will lead to higher insurance premiums.

Digit's two-wheeler insurance policies do much more than just protect you financially in the event of an accident. They also do the following:

• Personal Accident Cover: A personal accident cover is a mandatory extension of motor insurance according to motor laws. It ensures that you have financial coverage in case of injuries, permanent disabilities, or death caused by an accident. This kind of cover also ensures that your medical treatment goes on smoothly and also secures the finances of your family at the same time. Digit will pay the entire sum insured as compensation in the event of the bike owner's death.
• Choose a Two-Wheeler Insurance Policy of Your Choice: 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.

• Customising With Various Add-ons: When you buy a comprehensive bike insurance policy from Digit, you get the option to customise it with the help of add-ons. They come at nominal extra charges but have the potential to help you out in a number of situations. For instance—zero depreciation cover. If you have this add-on, Digit will not include the depreciation charges while paying out the compensation amount. So, you will get a higher amount while claiming the policy. Let's take a look at another one. You can also choose the engine protection cover as an add-on. After an accident, the engine of a two-wheeler often suffers from consequential damage. This may include the leakage of lubricating oil or the entry of water into the bike's engine due to a flood. This add-on provides financial coverage for the cost of engine replacement. Furthermore, you can also opt for a consumable cover, roadside assistance cover, and more.
• Complying With the Law: A bike insurance policy is an absolute must when you are riding your two-wheeler on the road. The Motor Vehicles Act of 1988 has made it mandatory for every vehicle owner to have at least a third-party cover. If you are found riding your motorcycle with an invalid bike insurance policy, there will be a hefty fine of ₹ 2,000. In addition, the fine will rise to ₹ 4,000 for repeated offences. In some cases, the authorities may also punish you with 3 months of imprisonment and suspension of your driving license.

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

• 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