Bike Insurance in Palakkad

Palakkad is one of the oldest vicinities in Kerela, also known as Palghat. Besides being rich in rice cultivation, this city is the second industrial hub of Kerela. It houses famous sectors like Fluid Control Research Institute, Saint-Gobain India Private Limited, Indian Telephone Industries Limited (ITI), Bharat Earth Movers Limited (BEML), etc.

Besides, Palakkad features national and international branded retail chains, restaurants, hotels, shopping malls, etc. On top of that, it is home to renowned educational institutes such as IIT Kerela, Government Medical College, Palakkad, etc.

The city's flourishing economy attracts people from various parts of the country. Resultantly, Palakkad witnesses jam-packed roads on a regular basis. Thus, as a bike rider travelling across such crowded streets, you must insure your vehicle to avoid unexpected safety hazards.

Two-wheeler insurance can assist you financially to overcome personal as well as third-party damages. However, if you are searching for a trusted bike insurer in Palakkad, Go Digit is a sought-after solution. Keep reading to know about the nitty-gritty of our bike insurance policies.

Digit's two-wheeler insurance policy features unmatched plans to help extend your insurance coverage in several ways. 

• Paperless Claim Settlement: At Digit, you can make claims against your bike insurance policy online. Our smartphone-enabled self-inspection process negates the need for paperwork and makes claim settlement fast and easy. You simply have to call us in order to get a link to your registered contact number. Then, you must follow a stepwise guide and upload pictures of the damaged parts of your two-wheeler. We will look into the matter and get back to you with a quote. You can choose to claim your bike insurance policy by opting for either cashless repairs or a reimbursement. This flexible way of settling claims allows us to maintain a high claim settlement ratio for private two-wheelers.

• Customisable Bike IDV: IDV, a.k.a. insured declared value, represents the current market value of your bike. Hence, it closely impacts the insurance premium and the sum insured. However, if you choose a higher IDV, you will get a large sum on claiming settlement, but you will also need to pay a higher premium. Hence, we allow every policyholder to customise their IDV in bike insurance as per their convenience.
• 24/7 Customer Support: Digit is known for its round-the-clock customer support assistance whenever you need help. In addition, our helpline is available every day, irrespective of national holidays, for 24 hours. Hence, whenever you come up with an insurance-related query, reach us at once.
• Cashless Repair Mode: With our cashless repair mode, you can get your bike repaired from any of our network garages without bearing any additional expenses from your end. Moreover, whenever you visit a Digit Authorised Garage to repair your vehicle, you get a 6-month warranty on every repair.

Here are the ways Digit covers you financially and can help extend your benefits from an insurance policy plan:

• Abiding by Law: When you purchase a bike insurance policy, you comply with the law and remain safe from legal hazards. This is because the Motor Vehicles Act of 1988 demands every bike owner get a compulsory third-party insurance policy. On the contrary, if you are riding a bike without any valid insurance policy, you are liable to pay a penalty of ₹ 2,000. Moreover, this amount can double in case of constant violation of the law. Besides, authorities can imprison you or suspend your driving license under certain circumstances.
• Choose Convenient Insurance Policy: 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.
• Customise Your Policy with Add-on Coverage: Add-ons extend your insurance coverage beyond the basic plan. However, you need to pay a nominal additional monthly charge to avail of this coverage. Digit offers a varied range of add-ons, such as consumable cover, tyre protect, breakdown assistance, etc. You can choose any add-on coverage as per your requirement and convenience.
• Get Secured with Personal Accident Cover: When you buy a two-wheeler insurance policy, don't skip getting a personal accident cover to extend your and your family's security during sudden mishaps. It covers your medical expenses for bodily injuries, permanent disabilities, etc. incurred due to an accident. Moreover, a PA cover provides death coverage in case the policyholder dies. However, the nominee receives the insured sum during such unfortunate incidents. Hence, Digit's two-wheeler insurance protects your family even in your absence.

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

• 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