Bike Insurance in Mangalore

Mangalore is a major port city in Karnataka, handling 75% of India's coffee and cashew exports. The city is majorly involved in cargo handling apart from being an industrial, commercial, and port-related industry activity region. It serves as the administrative headquarters for the Dakshina Kannada District and contains the state's second-largest airport. It is considered the second-best for business development after Bangalore in the state. Mangalore is situated near the Arabian Coast as well as the Western Ghats and therefore experiences heavy rainfall, at an average of 3,796.9 mm, during the peak rainy months of June to September.

The monsoon often wreaks havoc by leading to waterlogging in the city streets. Also, there are major rushes during the weekends and morning peak hours in pockets of the city that often lead to fatalities.

Being a bike owner in such a busy city can be risky if you do not have a two-wheeler insurance policy. It will help you avoid unwanted financial outflow in the event of any mishap or accident.

When you look for a two-wheeler insurance policy, there are a lot of insurance policy providers. Among them, Digit is a name that you can trust. It allows its policyholders to customise the IDV of their bike or scooter based on their budget and convenience. To find out more about what Digit offers, read on.

• Choice of Two-Wheeler Insurance: 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.
• Avoid Heavy Penalties: The third-party bike insurance plan makes your two-wheeler legal on the Indian roads. Traffic rules are strictly followed on the Mangalorean roads. Absence of minimum bike insurance will attract a penalty of ₹2000 and/or 3 months of prison time.
  
• Ride Tension-free with Comprehensive Policy: With the comprehensive bike insurance, the insured can be completely free of tension. The plan covers any damage to your own vehicle and third-party losses. It also compensates for damages caused by natural calamities, theft, fire, etc. It takes the responsibility to pay the third-party claims on your behalf, which can be beneficial for you in Mangalore, as the probability of accidents is fairly high. Considering the challenges on roads in Mangalore, comprehensive two-wheeler insurance is a great support to a peaceful ride.
  
• Suitable Add-Ons for Mangalore: With an appetite for extreme monsoons and waterlogging issues, the ‘Engine and gearbox protection’ add-on is advisable for Mangalorean riders; this will cover damages to the engine in floods or situations alike. Also, the ‘breakdown assistance’ add-on is quite relevant for the fast-paced masses to resort to for any emergency breakdowns within the city. Considering the rate of accidents mentioned above, the Personal Accident Cover becomes essential. You can opt for this with both the third-party and comprehensive insurance plans. It provides financial assistance up to 15 lakhs if you suffer from a permanent disability or death due to an accident.
  

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

• 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