Buy/Renew Two Wheeler Insurance Policy Online in Kottayam
Kottayam is the district headquarters of the Kottayam district in Kerala. It is also the headquarters of many famous Malayalam daily newspapers and publishing houses. Moreover, this city also has a large number of famous tourist spots like the Vaikom Mahadeva Temple, Illikal Kallu, Marmala waterfalls, etc., that attract tourists from all over the country.
Due to all these tourist activities, there is always an increasing pressure on the roads, which leads to frequent accidents. In addition, the lack of proper infrastructure, poor traffic management, etc., make this city’s streets prone to accidents.
If you are the owner of a two-wheeler in Kottayam, having a bike insurance policy is crucial. If you are in search of a cost-efficient policy, come and check out Digit. We negate the need for any paperwork by settling all claims online.
Why Choose Two Wheeler Insurance by Digit?
Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
Two Wheeler Insurance Plans in Kottayam
Third Party
Comprehensive
Own Damage
Damages/Losses to own two-wheeler due to an accident |
×
|
✔
|
✔
|
Damages/Losses to own two-wheeler in case of fire |
×
|
✔
|
✔
|
Damages/Losses to own two-wheeler in case of a natural calamity |
×
|
✔
|
✔
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
Personal Accident Cover |
✔
|
✔
|
×
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
Theft of your scooter or bike |
×
|
✔
|
✔
|
Customize your IDV |
×
|
✔
|
✔
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party two wheeler insurance
Two Wheeler Insurance Add-ons Available in Kottayam
Following are the two wheeler insurance add-ons available in Kottayam:
Key Features of Two Wheeler Insurance by Digit
Key Features |
Digit Benefit |
Premium |
Starting from ₹714 |
No Claim Bonus |
Up to 50% Discount |
Customizable Add-Ons |
8 Add-ons available |
Cashless Repairs |
Available at 4400+ Garages |
Claim Process |
Smartphone-enabled Claim process. Can be done online within 7 minutes! |
Own Damage Cover |
Available |
Damages to Third-Party |
Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages |
How to Buy/Renew Two Wheeler Insurance with Digit?
Step 1
On the Digit App or website, enter bike’s registration number, select the policy status and click on ‘View Prices’.
Step 2
Select the plan, add-ons and click on ‘Continue.’
Step 3
Enter your personal, nominee and vehicle details and click on ‘Pay Now.’
Step 4
Complete the payment and mandatory KYC verification process.
Step 5
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
How to file a Claim?
After you buy or renew our two wheeler insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Step 1
Just call on 1800-258-5956. No forms to be filled.
Step 2
Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.
Step 3
Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.
How fast are Digit Insurance Claims Settled?
This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!
Read Digit’s Claims Report CardWhy Opt for Two-Wheeler Insurance in Kottayam from Digit?
When you purchase a two-wheeler insurance policy from us, you get the following benefits:
- 24/7 Customer Assistance: We offer constant customer assistance to all our clients 24 hours a day, 7 days a week. Thus, whenever you have a query about your bike insurance policy, simply place a call, and we will clear your doubt. Moreover, you will find us attending your calls even on national holidays.
- Option to Customise the IDV of Your Bike: The Insured Declared Value or IDV of your two-wheeler has a direct impact on the sum insured and premium of your two-wheeler insurance plan. At Digit, we aim to maintain complete transparency with our clients. Thus, we provide you with the option to customise the IDV as per your preference.
- Online Settlement of Claims: Digit offers you an online claim settlement process that is quick and hassle-free. To claim your policy via our smartphone-enabled self-inspection process, you simply have to call us on the number available on our website. We will then send a link to your registered contact number, after which you can follow a step-wise guide to upload photos of the damaged parts of your bike. Our team will assess the matter and contact you with a quote. Then, you can choose between Reimbursement and Cashless Repairs. Our online claim settlement process helps us maintain a high claim settlement ratio when it comes to private scooters and bikes.
- Network Garages for Cashless Repairs: When you opt for Cashless Repairs while claiming your bike insurance policy, you can get your damaged two-wheeler repaired at one of our network garages. There are thousands of them all over India, and you can select one that is the nearest to your location. At our network garages, you can get your bike or scooter fixed without any additional expenses from your end. Furthermore, there is a 6-month warranty on all repair works done by them.
How Can Digit Insurance Save Your Bike in Kottayam?
There are a lot of ways a two-wheeler insurance plan can save your bike or scooter other than providing financial cover after an accident. They are:
- Personal Accident Cover: A personal accident cover provides financial coverage for expenses if you get injured or suffer from permanent disabilities in the event of an accident. In such a situation, it will make sure your medical treatment goes on undisturbed. Moreover, even if the bike owner dies in an accident, this cover will ensure that his/her family gets financial compensation.
- Choose From Three Different Bike Insurance Policies: We mainly provide three types of two-wheeler insurance policies:
Comprehensive Two-Wheeler Insurance Policy
Third-Party Two-Wheeler Insurance Policy
Own Damage Two-Wheeler Insurance Policy
Each plan has its own features and provides coverage under specific circumstances. As a result, you can choose the type of bike insurance cover that suits your needs the best.
- Adhering to the Law: According to the Motor Vehicles Act of 1988, all vehicle owners must have a third-party insurance cover for their two-wheeler. If the authorities catch you with no valid insurance policy, the authorities will impose a penalty of ₹2,000. In case you repeat this offence, this penalty will rise to ₹4,000. Moreover, the authorities may also decide to suspend your driving licence and punish you with a 3-month prison sentence.
- Customising your Policy with Add-ons: Buying a comprehensive bike insurance policy has loads of benefits. Other than providing financial cover for both your bike and third parties, it also allows you to enhance the coverage of your policy with the help of add-ons. For adding them to your two-wheeler insurance policy, you have to pay nominal extra expenses. However, they will come in handy in a variety of situations. For example, the engine protection cover add-on provides financial cover for consequential damages to a bike or scooter’s engine that may occur after an accident. For instance, a bike's engine may suffer from consequential damage due to the entry of water after a flood. Moreover, the damage can also be from the leakage of lubricating oil. Under such circumstances, if you have this add-on in your two-wheeler insurance policy, we will bear these expenses for you. Furthermore, there are other add-ons like a return to invoice cover, consumables cover, roadside assistance, and zero depreciation cover that you can opt for.