Bike Insurance in Lucknow

Lucknow, the capital of Uttar Pradesh, is well renowned for its generosity and hospitality. The city is the eleventh most populous city and the twelfth most populous urban agglomeration of India. It also continues to be an important centre of governance, administration, education, commerce, aerospace, finance, pharmaceuticals, technology, design, culture, tourism, music, and poetry.

Lucknow is prone to heavy congestion on a daily note. In addition to that, the city suffers from ever-increasing population and vehicle numbers, crumbling infrastructure, and unending congestion.

As a bike owner, you need to opt for insurance policies considering the risks of travelling on those congested roads. It will assist you financially in covering the expenses due to damages and losses caused by theft or accidents. Moreover, it is also mandated by the Motor Vehicles Act of 1988 that every Indian vehicle owner must get a valid third-party insurance plan.

In case you are looking for a two-wheeler insurance provider in Lucknow, you can choose Digit, one of India's most reliable insurance providers. Continue reading to know more about Digit insurance policy plans and benefits.

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

• 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

The three USPs that make Digit’s two-wheeler insurance plan a must-have are online. Easy. Fast. The complete insurance process offered hereunder is web-based and is easy to use on smartphones. The claim process is simple and hassle-free.

• Choice 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.

• Avoid Heavy Traffic Fines: It is mandatory to have two-wheeler insurance to ride legally on Indian roads. You will be charged with heavy fines and serious punishments if you commit an offence of riding an uninsured bike (penalty of ₹2000 and/or imprisonment of 3 months). Third-party bike insurance can save you from facing such situations.

• Get Protected with Comprehensive Policy: Considering the challenges mentioned above, the comprehensive policy becomes essential for bike owners in Lucknow. With this policy, the insurance company will cover all the expenses incurred from the repair of the bike after an accident. So, this is appropriate for the traffic conditions in Lucknow. Again, a comprehensive policy can be loaded with multiple add-ons to increase the protection.

• Personal Accidental Cover: Lucknow’s increasing propensity for fatalities in road accidents makes the personal accidental cover highly advisable for bike owners. This provides financial coverage if you suffer from permanent disability or death caused by any unfortunate accident. This add-on can be purchased with comprehensive policy or a stand-alone third-party policy.

• Add-ons for extra protection: “Return to invoice” can be a suitable add-on for Lucknow. Because with this add-on, the complete worth of your bike will be returned to you if your bike suffers from irreparable damages after an accident. There are other add-ons for two-wheelers, like engine and gearbox protection, return to invoice, and zero depreciation, among others.