Kanpur – the largest city in Uttar Pradesh is well renowned for its leather and textile industry worldwide. Being a major commercial centre of North India, Kanpur is listed as the 12th most populous and 11th most populous urban agglomerated city in India (Source). The growth in population and business opportunities has resulted in a heavy crowd on the Kanpuria roads.

Challenges faced by Two Wheeler Rides in Kanpur

• Dilapidated infrastructure: Kanpur’s infrastructural status and management, both are adverse and have marked the city with potholed roads, eight to ten hours long power cut and overflowing drains. 
  
• Lack of traffic management: Most of the busy/commercial areas of Kanpur still lack proper traffic signals or traffic constables. The mismanagement is the main reason for accidents in the area especially at night when bike riders or any other vehicles drivers tend to ignore all the traffic rules.
  
• Fatal accidents: According to MoRTH report 2017, the city marked 608 fatal road accidents while 960 were severely injured (Source). Out of these, most are the cases of rash driving, drunk driving and third-party faults. Other reasons also include crowded roads whereby the footpaths are occupied by hawkers and encroachments making it difficult for bikes to move easily
  
• Increased theft: Kanpur has marked increased vehicle theft especially due to lack of proper parking areas and narrow lanes across the city. With no proper surveillance, it also becomes easy to move vehicles without proper documentation and ease the illegal sale and purchase of stolen bikes/scooters.
  

The Motor Vehicles Act, 1988, mandates the purchase of a third party insurance policy for any two-wheeler purchase. Digit’s bike insurance policy brings in holistic safety for one’s life, money, property, third party damage and of course the heavily invested money on the bikes/scooters.

• Types of policy available - Under the Digit’s two-wheeler Insurance, two types of policies are available:
• a) Third-party Bike Insurance: This pays for you when you are legally held responsible for a mishap that has caused bodily injury or property damage to any other party.
  
• b) Comprehensive Bike Insurance: This policy pays you for the damage to your own vehicle along with the third-party liability. It safeguards the two-wheeler against damages caused by natural calamities, accidents, fires, theft, among others too. 
  
• Avoid heavy Traffic Penalties: The fines associated with the traffic violations are quite heavy on the pocket since the latest revisions in the laws. A third party insurance plan can avoid your expenses incurred on penalty for a traffic violation of riding an uninsured bike. According to Motor Vehicle Amendment Bill in 2019, The penalty for missing on insurance is ₹2000 and/or jail time of 3 months. 
  
• Cover big expenses with comprehensive policy: The comprehensive bike insurance plan ensures a tension-free commutation. Giving consideration to the issues like damaged roads, bumper to bumper traffic, accidents and vehicle theft in Kanpur, comprehensive bike insurance is a perfect choice to opt for. Because in such conditions the bike stands vulnerable to damages and this policy will save you from spending money from your pocket, if something unfortunate happens. You can go for add-ons for extra protection as well and ride safely in the Manchester of India.
  
• Suitable add-ons for Kanpur: Add-ons like “Return to invoice” can be really helpful if your bike is stolen. With this add-on by your side, the on-road price of the bike will be paid in case of theft. Other add-ons like engine & gearbox protection, consumable cover, breakdown assistance can be very helpful in specific conditions. These come at independent costs over the base plan.
  
• Must have PA cover: Personal accident cover is an add-on that takes care of your financial obligations in case you suffer from a permanent disability or death due to an accident. Looking at the number of fatal accidents in Kanpur this add-on becomes crucial. Unlike other add-ons, this can be purchased with third-party bike insurance as well.