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.

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

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

• Paperless Claim Settlement: With Digit, you can go for a paperless and effortless claim settlement from the comfort of your home. Following some easy and simple steps can raise a claim against your insurance policy in minutes. Here are the steps you need to follow:

  • Call us from your registered number and receive a self-inspection link on the same
  • Follow the entire guideline to shoot your bike's damaged parts and send the images to us
  • Our concerned team will contact you to provide an estimate once we receive the pictures

Meanwhile, you can choose the mode of repair between Reimbursement and Cashless. Moreover, the entire process goes smoothly without any documentation or paperwork.

• 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 vehicle's IDV 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 how Digit covers you financially and can help extend your benefits from an insurance policy plan:

• Abiding by The 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 1988 demands every bike owner to 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 A Convenient Insurance Policy: We offer a range of two-wheeler insurance policies as per your convenience. Here are the types of policy plans we offer:
  • Third-party Two-wheeler Insurance Cover: This is a mandatory insurance policy that every bike owner must procure to stay covered against third-party liabilities.
  • Comprehensive Two-wheeler Insurance Cover: Comprehensive two-wheeler insurance covers both the policyholder and third party's losses and damages caused due to an accident.
  • Own Damage Two-wheeler Insurance Cover: You can opt for own damage two-wheeler insurance policy any time with your third-party plan without waiting till the renewal. Besides, you can buy this plan from a different insurer as well.
• 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 A 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.