Lucknow, the capital of Uttar Pradesh, is also the largest city in this state. Being one of the largest tourist attractions in India, 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 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

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

Challenges faced by Two Wheeler ownes in Lucknow

• Increased population: Lucknow has been ranked sixth (source) in a list of the ten fastest-growing job-creating cities in India according to Assocham Placement Pattern – 2014. The city is an educational, cultural, political and industrial hub, attracts cross-state immigrants at large number creating increased pressure on the traffic congestion every year.
  
• Congestion: The rising number of vehicle traffic, pollution, deteriorating road infrastructure and socio-economic factors, make the commutation within the city a disaster. Furthermore, illegal encroachments and daily hawkers on traffic signals create unnecessary congestion even across the busiest road of Lucknow. According to transport department report 2017, ~20,142 people were killed and another 27,507 got injured in 38,811 cases of road accidents in Uttar Pradesh in 2017 (source), reporting it to be the highest number of casualties across the country.
  
• Lack of proper infrastructure: Narrow lanes, deteriorating road infrastructure and minimal government investment on its improvement, encroachments, illegal settlements and improper civic administration lead to fatal accidents within close proximity. According to MORTH report 2017 (source), the city reported 1515 road accidents out of which 581 were fatal and 824 were severely injured. 
  
• Commercialization of the state: Intercity and cross-state movement of heavy vehicles, both on the narrow encroached lanes and on highways have been reported to be a major reason for fatal accidents. Uttar Pradesh is reported to witness the highest number of road crash deaths on both National and State Highways in India with death tolls of ~13,679 as of 2016.
  

The three USPs that makes 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.

• Digit Insurance offers two types of bike insurance plans:

• a) Comprehensive Bike Insurance: This plan covers damages caused to your bike by accidents, fires, natural disasters, theft, etc. It also offers comprehensive protection for third party injuries and property damages. 

• b) Third-Party Bike Insurance: This plan covers only third party losses like injury or death or damage caused to the property/vehicle. Own damages are not covered with this policy.

• 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 ₹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 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 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, zero-depreciation among others.