Bike Insurance in Ludhiana

Ludhiana is a large industrial city in Punjab renowned for displays of pottery, musical instruments, and traditional Punjabi clothing. Ludhiana is the easiest city in India to do business in, according to the World Bank. It is ranked 1st in paying taxes, 4th in contract enforcement, and 7th in starting a business.

The growing industries and businesses have contributed to massive population growth. On top of that, pollution, improper traffic management, heavy vehicle movement, and theft are some major concerns for vehicle owners.

If you are a bike owner in Ludhiana, opting for two-wheeler insurance can be quite beneficial. You can get financial cover for any damage or loss caused to your two-wheeler.

Besides, it is also mandatory to opt for a third-party insurance policy for every vehicle owner in India according to the Motor Vehicles Act of 1988.

Therefore, while you search for a trusted insurance provider in Ludhiana to insure your two-wheeler, you can choose Digit. With Digit, you can customise your two-wheeler insurance policy with add-ons if you opt for a comprehensive plan and get hassle-free online claim settlement.

Read further to know more.

• Choice of 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.

• End-to-end protection with Comprehensive Plan - The comprehensive insurance plan ensures a tension-free ride. It is apt for facing the challenges in Ludhiana that are mentioned above. Considering the theft and road accidents in Ludhiana, this policy becomes essential and will help you to recover the losses to your bike in any probable mishaps. And this plan can be customized with several add-ons to increase the scope of coverage.

• Avoid Traffic Penalty: A third-party bike insurance plan avoids your expenses incurred on the traffic fines, which todate are quite heavy on the pocket. It is illegal to ride an uninsured bike. The penalty for such a traffic violation is ₹2000 and/or imprisonment of 3 months. So get third-party insurance before riding your bike and be law-abiding.

• Add-ons for Ludhiana: Considering the issue of theft in Ludhiana, “Return To Invoice” is an essential add-on. With this cover, the insurance company pays you the complete worth of the vehicle (the on-road price paid for the vehicle) in case of theft. There are other add-ons like zero-depreciation, consumable cover, engine and gearbox protection, etc.

• Personal Accident Cover: Ludhiana is prone to accidents, and hence the personal accident cover is indispensable. This takes care of your financial obligation in case you suffer from a permanent disability or death caused in an accident. 

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

• 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