Two Wheeler Insurance in Morbi

Morbi is a city in the Morbi district of Gujarat. It houses famous tourist attractions like the Morbi Trimandir and the Willingdon Secretariat that people throng to visit throughout the year.

On top of that, poor road conditions, an increasing number of vehicles and traffic mismanagement causes traffic snarls and lead to frequent mishaps and accidents.

So, if you are a bike owner in Morbi, you can't do without a two-wheeler insurance policy. The bike insurance plan will cover any financial loss that you may incur due to losses or damages due to accident or theft.

In case you are looking for a reliable bike insurance policy provider, your search ends here with Digit. Digit lets you customise the IDV of your two-wheeler according to your preference and offers an easy claim settlement process. Read on to find out more on Digit.

Digit offers its two-wheeler insurance policyholders the following advantages:

• Options to Customise the IDV: The IDV or Insured Declared Value of your two-wheeler influences the sum insured and the premium of your bike insurance policy. Digit lets you customise your vehicle's IDV based on your budget and your preference.
• 24/7 Customer Service: Digit's customer service team is available 24/7 to solve queries related to your vehicle insurance policy. Furthermore, they will happily pick up your call even on national holidays. So, feel free to get in touch with our support team any time you need.
• Quick Claim Settlement Process: The claim settlement process for Digit's two-wheeler insurance policies is online and takes just a couple of minutes. There is no need to submit document hard copies or fill out numerous forms. To start the process, simply call Digit to get a link to your registered contact number. Then, follow a step-wise guide and click photos of the damaged parts of your vehicle. Next, the team looking into the matter will contact you with an estimate. Then, you can opt for a Reimbursement or Cashless Repairs based on your convenience. Digit's quick and easy smart-phone enabled self-inspection process has helped it maintain a high claim-settlement ratio for two-wheeler insurance.
• Thousands of Network Garages All Over India: When you choose Cashless Repairs while claiming your insurance policy, you can take it to the nearest Digit network garages. There are thousands of them all over India. You can fix your damaged two-wheeler without additional spending from your end. Furthermore, there is a warranty of 6 months on all repairs done by these network garages.

Here's how two-wheeler insurance from Digit protects you and your bike:

• Avoiding Legal Complications: The Motor Vehicles Act of 1988 mandates every vehicle owner to have at least a third-party insurance cover. If you ride your bike without a valid insurance policy, the authorities will penalise you with a fine of ₹ 2,000. For repeated offences, this fine will rise to ₹ 4,000. Furthermore, in some rare cases, the authorities may also punish you by cancelling your driving license or 3 months of imprisonment.
• Personal Accident Cover: Having a personal accident cover is crucial if you are a bike or scooter owner. It ensures that you have adequate financial coverage in case of bodily injuries, permanent disabilities or death due to an accident. You can easily cover the medical expenses, hospital bills, and medicine costs with this cover. Moreover, this type of cover also ensures the financial security of the family in case of the death of the bike owner.
• Select from a Range of Insurance Policies: Digit offers 3 types of two-wheeler insurance policies. They are:
  • Third-Party Two-Wheeler Insurance
  • Own Damage Two-Wheeler Insurance
  • Comprehensive Two-Wheeler Insurance

An own damage or stand-alone two-wheeler insurance plan provides financial cover for damages to your own two-wheeler. It also includes damages from natural and man-made calamities, fire and theft. This kind of insurance plan is only suitable when you already have a third-party insurance plan and want to financially cover the expenses for damages to your own bike or scooter. A unique fact of Digit's own damage two-wheeler insurance policy is that you can purchase this insurance plan even if you have a third-party insurance cover from a different insurance policy provider.  

• Customise Your Policy With Add-ons: The advantage of buying a comprehensive two-wheeler insurance policy from Digit is that you can customise it with the help of add-ons. For a nominal extra cost, these add-ons help to enhance the coverage of your bike insurance plan. Example – Return to Invoice cover. This add-on can be a lifesaver if your bike or scooter is damaged beyond repair in case of an accident or if it gets stolen. Digit will pay the entire amount mentioned on the invoice as compensation. Other add-ons include tyre protect cover, consumable cover and more.