Port Blair, the capital of Andaman and Nicobar Islands, is known for its natural vistas, turquoise blue water and alluring sky. Surrounded by a rugged coastline and tropical forest, the island offers a picturesque ambience and thus blooms thousands of tourists from different places every year.

During peak seasons, tourist attractions such as Cellular Jail, Corbyn's Cove, Chidiya Tapu, Wandoor Beach, Mount Harriet National Park, etc., remain bustling with travellers.

The locals, as well as tourists, depend highly on cars and two-wheelers in Port Blair to travel anywhere within the city. However, Port Blair lacks effective traffic management and proper road infrastructure. This makes it necessary for the motorists here to obtain a two-wheeler insurance policy to steer clear of unnecessary repair and replacement expenses. Moreover, an insurance plan also covers damages caused due to unforeseen threats like accidents and natural calamities.

Individuals looking for two-wheeler insurance options online can consider Digit Insurance. We offer an easy, online claim settlement process for your convenience.

A two-wheeler insurance policy from Digit comes with the following benefits:

• Paperless Online Claim Settlement Process: Digit has a high claim settlement ratio, thanks to its smartphone-enabled self-inspection feature. To get started, connect with Digit through the given number and receive a self-inspection link on your mobile number. Next, follow the instructions and upload the images of your damaged two-wheeler on the link as evidence. The concerned team will review the same and get back with a quote. Then, decide between Cashless or Reimbursement mode of repair at your convenience.
• Wide Range of Network Garages across India: If you opt for the cashless repair option, you can visit any nearest Digit network garage for the required repair or replacement services. You no longer need to pay anything at the garage. Additionally, you will get a 6-month warranty on all repair services at any of our network garages in India.
• Option to Customise IDV: IDV, or Insured Declared Value, in an insurance policy refers to the market value of a vehicle. It helps insurers confirm claim amounts accurately while settling payments. If you choose a higher IDV, you need to pay higher premiums to ensure extensive coverage in the event of damage or theft of an insured two-wheeler. On the contrary, a low IDV means a lower premium and, thus, less coverage. Digit extends the convenience of customised IDV in bike insurance based on your requirements.
• 24X7 Customer Care Support: Digit boasts a dedicated customer support team available round-the-clock to clear any insurance-related queries. In addition, we extend speedy and reliable assistance to ensure a seamless customer service experience.

Go through the points below to understand how Digit's two-wheeler insurance policy will protect your motorcycle in Port Blair:

• Choose From a Vast Range of Motorcycle Insurance Policies: 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.

• Personal Accident Cover: It is compulsory for every two-wheeler owner in India to opt for a personal accident cover. It provides financial coverage against unforeseen circumstances, including accidents leading to bodily injury, partial or permanent disability, and accidental deaths. The coverage limit is ₹ 15 lakhs, and the percentage of compensation varies depending on the circumstances.
• Steer Clear of Legal Consequences: According to the Motor Vehicles Act of 1988, every vehicle plying on Indian streets must obtain a third-party insurance cover. If you are caught riding your scooter or bike without third-party coverage, you must bear a hefty penalty of ₹2,000. For subsequent offences, you will have to pay ₹4,000 or be punished with 3-month imprisonment.
• Improve Your Policy Coverage with Add-ons: You can enhance the coverage of your two-wheeler insurance policy with the help of add-ons. These add-ons, however, will come at extra expenses. Here are some of the add-ons that you can get from Digit. You can add Zero Depreciation cover as an add-on to your bike insurance policy. Usually, the insurer will factor in the depreciation costs of the bike parts while paying compensation. This reduces the amount. With zero dep cover, the insurer will exclude depreciation charges, and you will get more amounts. In addition, you can also opt for an engine protection cover as an add-on. After an accident, it is quite natural for your bike's engine to suffer from damage. If you have this add-on in your two-wheeler insurance policy, Digit will cover the cost of engine repair and replacement.

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

• 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