Two Wheeler Insurance in Patna

Patna is the largest city and capital of Bihar. With a huge population of more than 2 million, Patna is one of the busiest cities in India. Resultantly, huge traffic is visible on the roads of this city. However, to beat this traffic and reach their destination quickly, maximum commuters opt for a two-wheeler vehicle.

The city lacks proper traffic management, and vehicle owners face troubles due to poor road infrastructure during rain and flood. Also, vehicle theft is quite common.

So, taking all such risks into consideration, it is beneficial for every bike owner to opt for a two-wheeler insurance policy. Two-wheeler insurance policies provide cover for financial losses owing to vehicular damages caused due to an accident.

If you are searching for a reliable insurance provider, consider Digit as one of the trusted partners. You can get three types of bike insurance policies, namely third-party, comprehensive and own-damage insurance policies. Read further to know more about them.

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

• 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

The capital city of Bihar, Patna is the second-largest city in Eastern India after Kolkata and serves as a major political, educational and cultural hub. In terms of culture and religious importance, The Buddhist, Hindu and Jain pilgrimage centres of Vaishali, Rajgir, Nalanda, Bodh Gaya and Pawapuri are nearby. The city is also a sacred city for Sikhs as the tenth Sikh Guru, Guru Gobind Singh was born here.

Challenges faced by Two Wheeler Owners in Patna

• Administrable flaws leading to accidents: Patna police report that Traffic signals have been removed without any alternative arrangements in places like the U-turn in front of Bihar Museum, which makes traffic regulation quite problematic. Even the pace of traffic is reduced with increased vehicular inflow and no proper traffic management between Lalit Bhawan and Income tax roundabout, near Vishwasariya Bhawan and high court.
  
• More rain, Flood & Damage: Patna in recent times has experienced worse weather condition including heavy rains, floods, extreme summer and winter, causing grave damage to vehicles. With its close proximity to rivers like Gandak and Punpun, floods are a common issue and a majority of vehicles are completely damaged during these natural calamities, the engine taking most of the brunt. 
  
• The propensity to accidents: Patna accommodates several renowned universities and colleges and has been an educational hub for a long time. With a large student population, the city also witnesses two-wheeler accidents of youngsters between ages 18-25 with major involvement of third party damages and high fatalities. In terms of administration, many major accident-prone areas lack proper traffic signals and the presence of traffic constables to manage the traffic, leading to commutation issues.
  
• Theft: With crowds thronging the lanes and scarcity of parking in busy market areas, vehicle theft seems to be an easy task for miscreants. Two-wheelers generally fall prey of unprotected parking spaces, irresponsible locking, etc.

Getting a Digit insurance is as easy as checking out an online order. With their whole process being online, from buying a policy to settling a claim, everything can be done within the touch of your smartphone. With 24*7 customer support, easy to understand insurance documents and a wide array of garages where you can opt for cashless services, Digit is a definite pioneer in revamping the insurance sector. It also helps you get rid of agents and other middlemen and offers a completely hassle-free procedure. 

Choice of policies: Following are the insurance policies offered by Digit:

• a) Comprehensive Bike Insurance offers holistic cover to both third-party liabilities and accidental damages to your own bike as well. It also covers any damage caused by natural calamities, theft, fire, among others.
• b) Third-party Bike Insurance insures damages & losses caused to a third-party person, vehicle or property when you are at fault. 
• Avoidance of heavy fines: It is a legal offence to ride an uninsured bike in India. The modified traffic penalties will land you in a fine of Rs.2000 if you were to drive without insurance in Patna which can go up to imprisonment of 3 months and suspension of your driving license too. With strict checking happening all around Patna, it is best to have at least Digit’s third-party insurance in hand to avoid such penalties.
  
• Assistance in times of need with comprehensive policy: For a city reeling under many road accidents, it is always the best practice to have insurance, in case you fall victim. A comprehensive insurance plan will cover the accidental damages to your own vehicle and will pay for the third-party liabilities when you are at fault. Furthermore, the plan will also cover damages to your bike caused due to flood and other natural calamities in Patna.
• Add-ons to ease the pressure on your wallet: With the majority of bikers being fresh college goers, the ease on pocket through Digit’s cashless repairs across its garages will prove to be a saviour. The Breakdown Assistance add-on is a boon, for drivers whose financial capabilities are stringent. Coupled with the Engine and Gearbox protection add-on, Digit’s insurance plan will give you all-round protection during extreme weather conditions. With Patna seeing a large number of vehicles being wrecked in accidents, the Return to Invoice add-on will also help you get back your initially invested money.