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

Challenges Faced by Two Wheeler Riders in Ludhiana

• Pollution, Fatal Accidents & Irresponsible management - Ludhiana embarks immense pollution due to crop stubble burning that leads to immense pollution and dust accumulation. Further, minimal traffic adherences, no strict guidelines and absence of proper actions towards traffic violators have increased irresponsible driving manifolds. According to Punjab Traffic Advisor, two-wheelers are involved in 75% of road accidents in the city. 
• Accident-prone area - Ludhiana has been marked with a high propensity to road crashes and deaths. Reports placed Ludhiana at number one position in the severity of accidents with a fatality rate of 69.9% driven by rash driving, drunk driving and have marked over 49 “black points” in the city to deal with the problem of the high rate of fatal accidents.
• Being the business hub - Ludhiana is known to be the business hub and has also witnessed the increased movement of heavy vehicles both on highways and city roads. Consequently, the city reported a total of 674 road accidents in 2018 according to MORTH reports, out of which 427 were fatal and 265 reported several injuries. Also, the movement of tractor trolleys increases in harvesting seasons leading to accidents.
• Theft - According to Punjab police, the major reason for increased vehicle theft is the lack of proper parking spaces near academic institutions as the two-wheelers owned by students are the major targets. 

• Under the Digit two-wheeler Insurance, two types of products are available:

• a) Third-party Bike Insurance: This pays on your behalf when you are legally held responsible for a mishap that has caused bodily injury or property damage to any other party.

• b) Comprehensive Bike Insurance: This policy pays you for damages to your own vehicle along with the third-party liability. It safeguards against damages caused by natural calamities, fires, and thefts, among others. 

• 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 in current date are quite heavy on the pocket. It is illegal to ride an uninsured bike. Penalty for such 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 (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 PA cover is indispensable. This takes care of your financial obligation in case you suffer from a permanent disability or death caused in an accident.