Two Wheeler Insurance in Kannur

The city of Kannur is the sixth largest urban agglomeration in Kerala. It is the administrative headquarters of the Kannur district and is home to the Kannur Cantonment, the only cantonment board in Kerala. Moreover, this city houses the Kannur railway station and the Kannur International Airport.

Hence, this city’s streets see a large influx of people throughout the year. Furthermore, the presence of potholes, poor traffic management and lack of proper infrastructure make the roads of this city fraught with mishaps. Thus, if you are a bike owner in Kannur, it is critical to have a two-wheeler insurance policy.

In case you are looking for a bike insurance policy, give Digit a try. Our online claim settlement process is quick and gets over in a matter of minutes.

Purchasing a two-wheeler insurance policy from us provides the following benefits:

• Online Claim Settlement Process: Our online claim settlement process is paperless and hassle-free. To start the procedure, you simply have to call us on the number mentioned on our website. We will send a link to your registered contact number. Then, you can complete our smartphone-enabled self-inspection process by following the step-wise guide. Just upload photos of the damaged portion of your bike or scooter, and a team from our end will look into the matter. After this, we will get back to you with an estimate. Then, based on your preference, you can go for a Reimbursement or opt for Cashless Repairs. The simplicity of the entire process helps us maintain a high claim settlement ratio when it comes to private two-wheelers.
• Network Garages All Over India: We have thousands of network garages spread across India. If you choose Cashless Repairs, you can take your damaged two-wheeler to any one of them. Our network garages will make sure that the damaged portions of your bike are repaired without any additional spending from your end. In addition, there is also a warranty of 6 months on all repair works done by them.
• Customisation of Your Two-wheeler’s IDV: Your bike’s Insured Declared Value or IDV has a big influence on the sum insured and premium of your two-wheeler insurance policy. Thus, we feel it is essential that you set it according to your preference. This option to customise the IDV of your bike helps us maintain a high level of transparency with our clients.
• 24/7 Customer Assistance: Our customer assistance team is available 24/7 to help you out in case you have any queries related to your bike insurance policy. Even if you call on us on a national holiday, we will be more than happy to help you out.

Here is how a two-wheeler insurance policy can save your bike in Kannur:

• Complying with the Law: The Motor Vehicles Act of 1988 mandates all vehicle owners to have at least a third-party insurance cover. Therefore, it is a legal offence if you ride your two-wheeler without a valid insurance policy. If the authorities catch you riding your bike without one, they will impose a fine of ₹2,000. This penalty will rise to ₹4,000 for subsequent offences, and the authorities may also punish you with a suspension of your driving license and a jail term of 3 months.
• Personal Accident Cover: When you purchase a bike insurance policy, opting for a personal accident cover is a must. It will make sure that you have enough financial coverage in the event of injuries, permanent disabilities or death due to an accident. Furthermore, this cover also ensures that your family is financially secure while your medical treatment goes on.
• Select a Two-wheeler Insurance Policy of Your Choice: We offer three types of two-wheeler insurance policies:

Own Damage Two-Wheeler Insurance Cover – This type of insurance cover comes in handy when you already have a third-party two-wheeler insurance cover and want to get financial cover for damages to your own bike. Furthermore, it also covers damages due to fire, theft, natural and man-made disasters. 

Third-Party Two-Wheeler Insurance Cover – A third-party two-wheeler insurance cover makes sure that you have financial cover for damages done by your bike or scooter to third-party individuals, vehicles or properties. 

Comprehensive Two-Wheeler Insurance Cover – When you buy a comprehensive two-wheeler insurance cover, you get financial coverage for damages to both your two-wheeler and third parties involved. Additionally, this cover also ensures that you have financial coverage for damages done by natural calamities, man-made disasters, theft and fire. 

• Options to Choose Add-ons: You can purchase add-on covers to enhance the coverage of your comprehensive two-wheeler insurance policy from Digit. They come at nominal extra costs that get added to your premium amount. However, the benefits they provide come in handy in a variety of situations. For example – zero depreciation cover. After an accident, the cost of depreciation and replacement of spare parts are bound to come. These costs are generally borne by the bike owner. However, we can cover these costs if you have this add-on with your bike insurance policy. Also, you can opt for a return to invoice cover. This add-on helps you in case your two-wheeler gets damaged beyond repair in the event of an accident. In such cases, we will cover the entire amount mentioned on the invoice and assist you in dealing with the situation. Furthermore, there is the engine protection cover, roadside assistance, and consumables cover that you can also opt for.