Two Wheeler 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 same 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:

• Multiple Add-ons: Consider getting our customisable add-on covers to enhance and extend the coverage of your comprehensive bike insurance policy. This comes at a nominal cost and is worth it. Let’s explain this with two examples.
• Roadside Assistance Cover: This cover helps you when you are stranded on the road due to an unforeseen situation. This is applicable if you are within 500 km of the city. It helps you get your bike fixed, tow the same to the nearest garage, or get a taxi service to reach your destination safely.
• Return to Invoice cover: This add-on is your lifesaver in case your bike gets severely damaged or stolen. Digit will pay the entire amount mentioned on the invoice as compensation. Other add-ons include:
  • Tyre Protect Cover
  • Consumable Cover
  • Zero Depreciation Cover, etc.
  • Avoiding Legal Complications

As per a mandate of the Motor Vehicles Act of 1988, every two-wheeler owner must have a third-party insurance policy. If you are a bike owner, make sure you have this to avoid penalisation. This can include a fine ranging from ₹2,000- ₹4,000 or even cancellation of your driving license. Avoid legal complications by getting a two-wheeler insurance policy at the earliest.

• Comprehensive Range of Insurance Policies: If you opt for Digit Insurance, you can choose from 3 types of two-wheeler insurance policies. They are:

  • Own Damage Two-Wheeler Insurance Plan
  • Third-Party Two-Wheeler Insurance Plan
  • Comprehensive Two-Wheeler Insurance Plan

For example, a third-party insurance plan provides financial protection for damages and losses your vehicle can cause to a third-party vehicle or property due to an accident. A third-party insurance policy is mandatory; otherwise, you will be liable to pay a fine. These insurance policies will protect your pocket from getting affected due to accidents and give you legal coverage. 

• Personal Accident Cover: As a bike owner, you should get a personal accident cover at the earliest. It will protect you from both financial and personal losses. A PA cover will ensure adequate financial coverage in case of permanent disabilities, bodily injuries, or death due to an accident. It will also provide financial security for the family in case of the death of the bike owner.