Bike Insurance 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.

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

• 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

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 in bike insurance 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.

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: 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. 

• 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.