Bike Insurance in Malappuram

Malappuram is a famous religious city in Kerala, known for being a centre of Hindu-Vedic learning and Islamic philosophy. It serves as the administrative headquarters of the Malappuram district and is divided into 40 electoral wards.

The city's tropical monsoon climate results in heavy rainfall. In addition to this, the traffic congestion and dense population make the roads of Malappuram highly unsafe for two-wheeler riders. Instances of accidents, injuries, roadside congestion, etc., are a common sight. This is why bike owners must get a two-wheeler insurance policy to safeguard themselves and any third parties involved.

You can get a two-wheeler insurance policy from Digit for financial coverage during mishaps. We have a range of insurance policies to suit every kind of bike owner.

Here are some reasons you should purchase a two-wheeler insurance policy from Digit in Malappuram:

• Customise the IDV of Your Bike: The IDV or Insured Declared Value is a crucial component if you are considering selling your scooter. A higher IDV increases the resale value of your bike. However, it also increases the premium of your bike insurance policy. With Digit, you can customise the IDV in bike insurance as per your budgetary requirements and preference.
• Quick Self-Inspection Process: You can claim your policy through Digit’s smartphone-enabled self-inspection process. It will take a couple of minutes and is entirely online. This has helped us maintain a high claim-settlement ratio for two-wheeler insurance. The process involves getting in touch with us through the number mentioned on our website. We will send a link to your registered mobile number. Then, click on the link and abide by the step-wise guide for the consequent process. Click clear photos of the damaged parts of your bike and upload the same. Our team will inspect it and get back with a quote. You can then opt for a Reimbursement or Cashless Repair based on your convenience.
• Round-the-Clock Customer Service: We are available 24x7 to cater to all problems related to your bike insurance policy. We work round the clock to satisfy and assist our customers. Moreover, we are happy to pick up your calls even on national holidays. You can get in touch with us anytime!
• Thousands of Network Garages Throughout India: One of Digit's most popular features is providing customers with Cashless Repairs at our efficient network garages. You can take your bike to your nearest Digit network garage and fix your damaged two-wheeler without bearing any extra cost from your end. They are easy to find as thousands of them are there all over India. We also provide a warranty of 6 months on all repairs done by our network garages.

Here are the ways how Digit Insurance will save your two-wheeler:

• Customising With Various Add-Ons: Add-ons can be purchased at separate costs in order to provide broader coverage. The “return to invoice” add-on is suitable for Jaipur, as the city is prone to theft. With this cover, the full amount of your two-wheeler (on-road price) will be paid to you in case of a theft. You can also consider “Breakdown Assistance” considering the heat of Jaipur, in which the engine may stop working in the course of a ride. There are other add-ons like Engine & Gearbox Protection, Consumable Cover, and Zero Depreciation Cover, among others.
• Abiding by the Law: If you have a bike, you must have a third-party insurance policy as per India's Motor Vehicles Act, 1988. If you get caught riding without a valid bike insurance plan, you will be liable to pay ₹ 2,000 as a penalty. This fine will increase to ₹ 4,000 if you repeat such an offence. In some serious situations, you may face 3 months of imprisonment or license cancellation. So, Digit bike insurance can also protect you from legal complications.
• Personal Accident Cover: The personal accident cover, also called the PA cover, is a compulsory extension that a bike owner needs to have while buying two-wheeler insurance as per the motor policy of the country. You will receive financial coverage for any expense you incur due to bodily injury, total disability, and death.
• Choose From Various Two-Wheeler 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.

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

• 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