The city of Kollam is an ancient seaport in Kerala. Apart from being a cashew processing and coir manufacturing hub, this city is a major tourist spot as it is the southern gateway to the Backwaters of Kerala.

Hence, it is quite normal to see many people visit this city throughout the year. Unfortunately, this puts increasing pressure on the roads of Kollam, and thus, accidents are a common sight. Moreover, rash driving, poor road conditions and improper traffic management make these roads susceptible to accidents.

Hence, if you ride a two-wheeler in Kollam, it is crucial to get a bike insurance policy. In case you are looking for a two-wheeler insurance policy, you can trust Digit. We have a great set of add-ons that you can use to extend the coverage of your insurance plan.

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

• 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

Our two-wheeler insurance policyholders get the following benefits:

• Option to Customise the IDV: The Insured Declared Value or IDV of your bike has a great influence on the sum insured and premium of your two-wheeler insurance policy. With Digit, you get the option to customise it according to your preference. We believe in maintaining transparency with the policyholders, and thus we provide this option to all our clients.
• 24-hour Customer Assistance: We are available 24 hours a day, seven days a week, to help you out. If you have any problems or queries related to your two-wheeler insurance policy, you can rely on us to provide a quick solution. We are even available on national holidays to take your call.
• Online Claim Settlement: At Digit, all claims against our insurance policies are settled online. In addition, our smartphone-enabled self-inspection process negates the need for any paperwork and makes it convenient to claim your policy on the go. To initiate the process, simply call us on the number mentioned on our website, and we will send a link to your registered contact number. Then, follow the step-by-step guide to click and upload pictures of the damaged parts of your two-wheeler. After this, our team will assess the situation and get back to you with a quote. You can then choose to get a Reimbursement or opt for Cashless Repairs. Our simple claim settlement process helps us maintain a high claim settlement ratio when it comes to private two-wheelers.
• Digit Authorised Network Garages: There are thousands of Digit-authorised network garages all across the country that offer hassle-free bike repairing services if you opt for Cashless Repairs. The skilful mechanics at our network garages will ensure that your bike is back to performing optimally without any additional expenses from your end. Moreover, they will also provide 6 months of warranty on all their repair works.

Apart from providing financial cover for expenses incurred due to an accident, a bike insurance policy has other major roles to play. They are:

• Personal Accident Cover: Having a personal accident cover is necessary for every bike owner. Moreover, it is a mandatory extension that you have to take while purchasing a two-wheeler insurance policy. In case you suffer from bodily injuries or permanent disabilities due to an accident, this cover will ensure that your medical treatment goes on unhindered. Furthermore, even if the owner of the two-wheeler dies in the event of an accident, a personal accident cover provides financial compensation to his/her family.
• Choose a Two-wheeler Insurance Policy of Your Choice: Here are the types of two-wheeler insurance plans that we offer:
  • Own Damage Two-Wheeler Insurance Plan
  • Third-Party Two-Wheeler Insurance Plan
  • Comprehensive Two-Wheeler Insurance Plan

All three types of bike insurance policies have their own features and benefits. Hence, you can select one that suits your use case the best.

• Customise Your Policy With Add-ons: When you opt for a comprehensive two-wheeler insurance plan, you get the option to enhance its coverage with the help of add-ons. These add-ons come at extra expenses and add to your policy premium. However, they provide you with a lot of benefits that prove beneficial in a variety of situations. For example, you can choose zero depreciation cover as an add-on. Usually, after an accident, a bike owner has to pay for the depreciation and the replacement of spare parts. However, we will cover all these expenses if you have this add-on. Furthermore, you can also opt for consumables cover. This add-on covers the cost of consumables like oil, nuts, bolts, etc., that may become unfit for use after an accident. If you have this add-on while claiming your policy, we will provide coverage for these expenses. In addition, we have more add-ons like engine and gearbox protect cover, roadside assistance, return to invoice cover, daily conveyance benefit, and tyre protect cover.
• Abiding by the Law: The Motor Vehicles Act of 1988 states that it is mandatory for every vehicle owner to purchase a two-wheeler insurance cover. Thus, if you are caught riding your bike on the road without a valid two-wheeler insurance plan, you will face a penalty of ₹2,000. In case you repeat this offence, the penalty will increase to ₹4,000. In addition, the authorities may also punish you with a 3-month prison sentence and a suspension of your driving licence. Hence, apart from protecting you from financial loss due to an accident, having a bike insurance policy will save you from unnecessary legal problems.