Bike Insurance in Pune

Pune is the second-largest city in Maharashtra, after Mumbai. The city is considered to be the cultural capital of Maharashtra” and the Oxford of the East" due to the presence of nine universities and 811 colleges. Pune has grown culturally and is growing to be the IT hub of Maharashtra.

It is home to various commercial and economic activities. There is a massive influx of workers and migrants from across and beyond the state. This has led to a rise in population, vehicle numbers, and subsequent congestion. The developmental works also impact the traffic flow.

If you are a bike owner from Pune, you must purchase two-wheeler insurance to get financial cover in the event of any mishap or damage. Third-party insurance is also mandatory for all vehicle owners as per the Motor Vehicles Act of 1988.

If you are looking for one in Pune, you can choose Digit, as it is one of the trusted insurance providers. When you choose Digit, you can opt for any of the two-wheeler insurance policies as per your budget and preference. You can get third-party, comprehensive, and own-damage bike insurance policies.

Continue reading to get a brief idea of the three.

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

• 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 insurance has carved out a new niche in the insurance landscape by providing a hassle-free process; right from selecting your policy to settling claims. Their well-thought-out insurance plans are complemented by excellent add-ons and good services. 

• Choice of Insurance: 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.
• Avoid Hefty Fines: Pune traffic authorities make sure of a  strict checking on vehicles and driving without an insurance document can get you in trouble. As per the Motor Vehicles Act, you will be levied a fine of Rs.2000 if you are caught driving without insurance. This can escalate to Rs.4000 for subsequent offences. Also, you might have to serve an imprisonment of 3 months. Digit’s third-party policy is the least you must have with you to avoid this.
• Safeguard Against Worst-Case Scenarios: With Pune witnessing an alarming increase in accidents, Digit’s comprehensive policy can be a shield from draining you financially in-case you land in any mishap. With an increase in the number of irresponsible drivers in Pune, the chances of facing accidents due to others’ negligence become common, and the traffic congestions are some tough challenges for any rider to keep the vehicle safe. So a comprehensive two-wheeler insurance policy will give you peace of mind.
  
• Add-Ons to Further Solidify Protection: Digit’s attractive add-ons can prove to be a boon on the Pune roads. In a city reeling under the pressure of traffic, the potency for an accident lurks at every corner. The components of the engine and gearbox are the most important and expensive as well, so Engine and Gearbox Protection will cover for any costs incurred while repairing the engine and gearbox or the transmission in all possible situations. With the passing years, the wears and tears on your two-wheeler will land you in a depreciation cost which will be deducted from your settlement amount. A zero depreciation cover can safeguard you against this. 
  
• Get Secured with PA Cover: Who can resist a misfortune? Considering the rate of fatal accidents on Pune roads, the Personal Accident Cover becomes essential. With this add-on, your financial obligations will be taken care of by Digit, if you suffer from a permanent disability or death in an accident. Unlike other add-ons, this can be purchased with a stand-alone third-party policy as well.