Bike Insurance in Kolkata

Kolkata is splendidly defined by its cultural heritage, cuisine, intellectuals and architectural beauty - purely mach, mishti, and more! The city of joy never disappoints.

It is the capital of West Bengal and is the commercial, cultural, economic, and educational hub of Eastern India. In terms of commute, one can find more than ten modes of transportation in the city, ranging from hand rickshaws, cycle rickshaws, autos, trams, local trains, boats, metros, taxis, and buses, among others. Life is busy, and everyone is in an inevitable hurry. According to recent estimates, Kolkata is the third most productive metropolitan area after Mumbai and New Delhi. The city constantly sees a major influx of migrants and labourers from the state and the neighbouring states.

However, the dilapidating infrastructure, massive encroachment by hawkers and migrants, uncontrolled traffic and frequent cyclones pose a significant risk for vehicle owners. To ensure financial protection in case of any mishaps or damages to your two-wheeler, make sure to get two-wheeler insurance.

You will come across several renowned insurance providers in the market. Digit is one among them. When you choose Digit Insurance, you can avail multiple benefits like online claim settlement, 24x7 customer assistance, thousands of network garages, and more. You can choose suitable bike insurance as per your budget and requirement.

Read further for a better understanding of these insurance policies.

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

• 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

In Kolkata, everyone is busy, and getting the insurance on the smartphone and without any hassle is another dream come true. To safeguard the interest of general riders on the road, third party insurance has been made mandatory (if not comprehensive) by the Indian government.

• Choice of Plans: The comprehensive bike insurance plan covers both the third-party risk and any personal vehicle or accidental claims. It also covers damages caused by natural calamities, theft, fire, accidental expenses, and others. Third-party bike insurance plan only covers damages caused to the third-party vehicle or property or rider. 
  
• Avoid Heavy Traffic Penalties: The penalties for traffic violations were revised in the Motor Vehicle Amendment in September 2019. The rules are strictly followed in Kolkata, as it is a capital city. As it is illegal to ride without insurance, you may end up paying ₹2000 for this offence. Even you might get imprisoned for 3 months. So make sure that your bike is insured before you start riding in Kolkata.
  
• Save Your Money with Comprehensive Plan: As the city experiences bumper-to-bumper traffic and heavy commercialization, your bike is always at risk of getting damaged. No matter how carefully you ride, you cannot avoid a third-party mistake that may damage your bike. Let’s assume you will be able to protect your bike from accidental damages, but will you be able to stop a cyclone from damaging your bike? So comprehensive two-wheeler insurance is essential for riders in Kolkata.
  
• Add-Ons Fit for Kolkata: Add-ons are designed to broaden the scope of basic coverages. They come at independent costs and save your vehicle from situational mishaps. Considering the challenges in Kolkata, the “Return to Invoice” add-on can be very helpful. With this cover, the on-road price of your bike will be paid to you in case you suffer from a complete loss of your bike during a cyclone or a flood. The “Engine and Gearbox Protection” will cover the cost of damage to the engine caused by a flood. Other add-ons like a consumable cover, breakdown assistance, etc., are available as well.