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 growing to be the IT hub of Maharashtra.

Challenges faced by Two Wheeler Owners in Pune

• Increased congestion which can only get worse from here: Pune is set to become one of the largest cities in India, with population growth predicted to grow to one crore by 2030. Currently, it accounts for ~21% of the state’s total vehicle population and is ranked 7th most congested city in India.  Even though 40 flyovers were constructed to manage the congestion, it only resulted in the shift of traffic and not in its management.
  
• An increase in the two-wheeler registration in Pune: Pune being close to Mumbai, witnessed economic and industrial growth, pertaining to several IT and non-IT company settlements, encouraging mass labour force movement from rural to urban areas and even cross-state migration. This resulted in a sudden increase in population pressure. Consequently, two-wheeler registration increased manifold (vehicle density of 753 vehicles per 1,000 people). 
  
• Irresponsible driving claiming several accidents: According to police statistics, 637 fatal two-wheeler accidents were reported in Pune and Pimpri Chinchwad while over 1,000 suffered serious injuries between 2015-2018. Most of these deaths are due to ignorance of traffic rules, third party collisions due to rash driving or no helmets and reckless young drivers falling in the age group of 20-35 years. 
  
• Administrable and infrastructural drawbacks: With several developmental plans under work-in-progress and encroachments on the busy main roads, a large channel of traffic is diverted from the main roads to several other by-lanes. Consequently, the heavy diverted traffic faces encroachments in the narrow side-lines which causes slower traffic, immediate brake propensity and high chances of accidents at close proximity.
  

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 provides the following insurance policies for two-wheelers in Pune:

• a) Comprehensive Bike Insurance plan: This policy covers damages caused to your bike due to natural calamities, fire or if your bike is stolen or completely damaged. The policy also covers third-party liabilities.
• b) Third-Party Bike Insurance Plan: Any bodily injury and property damage to a third-party caused by you are covered under this plan. This plan is not able to cover own damages to your bike.
• 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.
  
• A 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 the 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.