Renew Bike Insurance in Khordha

Here are the prominent reasons why you should choose the two-wheeler insurance policy from Digit in Khordha:

• Seamless Online Claim Settlement Process: The online claim settlement process of Digit is time-saving and convenient, and it comes with the smartphone-enabled self-inspection feature. All you have to do is simply call us on the number provided on the website, and you will receive a link to the contact number registered with us. On receiving this link, you need to follow detailed guidelines to click and upload pictures of the damaged area of the bike. Once we receive these pictures, the concerned department will get back to you with an estimate. After that, you can choose whether to opt for reimbursement or opt for cashless repair mode. The online claim processing and settlement eliminates the need for filing forms and submitting documents manually.
• Round-the-Clock Customer Support: Our team is available 24X7 to meet your queries related to two-wheeler insurance. Moreover, our efficient customer care team is ready to answer your concern even on national holidays. So, if you have got any questions, feel free to call us.
• Availability of Network Garages All Over India: For two-wheeler insurance holders selecting cashless repair mode, there are numerous network garages of Digit that offer quality repair of the damaged bike. You can avail the repair service without the worry of bearing any extra expenses. You also get six months of warranty on the repairs performed at these network garages.
• Customise Insured Declared Value: The IDV, or Insured Declared Value, is your bike's current market value, which directly impacts the premium of the insurance and the sum insured. This means the higher the IDV, the higher the insurance premium of the policy. Digit allows you to customise IDV in bike insurance as per your preference, offering optimum transparency and credibility.

Let's discuss the ways a two-wheeler insurance policy from Digit can protect your financial interest from unfavourable mishaps in Khordha: 

• Availability of Different Types of Insurance Policies: 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. 

• Increase Your Policy Coverage With Add-Ons: You can enhance the coverage of your two-wheeler insurance policy with the help of add-ons. These add-ons, however, will come at extra expenses. Here are some of the add-ons that you can get from Digit. You can add Zero Depreciation cover as an add-on to your bike insurance policy. Usually, the insurer will factor in the depreciation costs of the bike parts while paying compensation. This reduces the amount. With zero dep cover, the insurer will exclude depreciation charges, and you will get more amounts. In addition, you can also opt for an Engine Protection cover as an add-on. After an accident, it is quite natural for your bike's engine to suffer from damage. If you have this add-on in your two-wheeler insurance policy, Digit will cover the cost of engine repair and replacement.

• Avoid Legal Complications: The Motor Vehicles Act of 1988 has made it necessary for vehicle owners in the country to buy a third-party policy. As per the law, there will be a penalty of ₹ 2,000 to ₹ 4,000 in case you are found to ride your bike without insurance. Moreover, in case of repeated occurrence, it may lead to at least 3-months of imprisonment. Hence, it is beneficial to purchase a third-party insurance when getting a scooter or bike.
• Personal Accident Cover: A personal accident cover is essential for every two-wheeler owner and must be purchased along with the comprehensive or third-party two-wheeler insurance policy. A PA cover bought from a credible insurance company like Digit offers financial coverage on medical expenses caused due to bodily injuries or total disability and even loss of income due to a road accident. On top of that, the nominee receives compensation if the bike owner dies from an accident.

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

• 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