Two Wheeler Insurance in Raipur

Raipur is the capital city of Chhattisgarh and a major business hub of Central India. It has a rich deposit of minerals and is one of the largest producers of steel and iron in the country. It is also home to various reputed educational institutions. The city draws a massive number of students and workers from across the state.

The streets of Raipur often remain clogged with traffic. In addition, there are incidents of theft, fatalities and accidents.

If you ride a two-wheeler on the streets of Raipur, the need for a two-wheeler insurance policy is crucial. Hence, if you are looking for a trusted two-wheeler insurance provider, try out Digit. We give you the option to customise the IDV of your bike or scooter according to your preference.

When you purchase a two-wheeler insurance cover from us, you get the following benefits:

• 24-hour Customer Assistance: We are available 24/7 to solve all queries related to your bike insurance policy. So, whenever you need us, we are just a phone call away. Furthermore, you will find us at your side even on national holidays. Feel free to contact our team in case of any emergency or query.
• Customisation of Your Bike’s IDV: The IDV or Insured Declared Value of your bike plays a significant role in determining the sum insured and premium amount of your two-wheeler insurance policy. Hence, we provide you with the option to customise it according to your convenience and budget. When you choose a higher IDV, the policy premium that you pay will also be higher.
• Online Claim Settlement Procedure: We have introduced a smartphone-enabled self-inspection process that helps you make claims against your policy online. Simply call us and wait for a link to your registered contact number. Then, you have to follow a step-wise guide and send us pictures of the damaged parts of your two-wheeler. After that, we will look into the matter and get back to you with a quote. You can then opt for either a Reimbursement or Cashless Repairs. Our simple claim settlement process helps us maintain a high claim settlement ratio when it comes to two-wheelers insurance.
• Vast Chain of Network Garages: In case you opt for Cashless Repairs, you can bring in your damaged bike or scooter to one of our network garages. There are thousands of these garages all over India, and you can visit one that is the nearest to your location. These garages will make sure that your two-wheeler is fixed without any further expenses from your end. In addition, you get 6 months of warranty on all the repairs.

Here are the ways a two-wheeler insurance plan can save your bike in Raipur:

• Choose a Bike Insurance Cover of Your Preference: We offer three types of bike insurance policies:

Comprehensive Two-Wheeler Insurance: You get financial cover for damages to both your bike and third parties. 

Third-Party Two-Wheeler Insurance: You get financial compensation for damages by your bike to third-party individuals, properties or vehicles.

Own Damage Two-Wheeler Insurance: If you have a third-party insurance cover and want to get financial cover for damages to your own two-wheeler, then an own damage two-wheeler insurance plan is what you should get.

• Personal Accident Cover: By law, a personal accident cover, is a mandatory extension that you should take while purchasing your two-wheeler insurance policy. In case you suffer from permanent disabilities or bodily injuries in the event of an accident, this cover provides financial compensation for your treatment. In addition, if the bike owner dies due to an accident, a personal accident cover will ensure that their family gets financially compensated.
• Purchase Add-ons to Enhance Policy Coverage: Add-on covers assist you in enhancing the coverage of your insurance policy. You need to pay an extra premium amount but, in return, provide an extraordinary set of benefits. For example, you can purchase roadside assistance as an add-on. This add-on cover helps you out in situations when your bike breaks down in the middle of nowhere. We will make arrangements to repair your two-wheeler on the spot. If that is not possible, we will tow your two-wheeler to the nearest Digit-authorised repair shop. However, we will bear the towing costs only up to a distance of 50 km. Furthermore, you can also opt for a return to invoice cover. There is always a possibility that an accident can leave your two-wheeler damaged beyond repair. Under such circumstances, if you have this add-on, we will refund the entire amount mentioned on the invoice to help you deal with the situation.
• Abiding by the Law: In India, you have to face hefty penalties if you ride your two-wheeler without a valid bike insurance policy. The Motor Vehicles Act of 1988 states that all vehicle owners must have at least a third-party insurance cover. Thus, if the authorities catch you plying on the road without a two-wheeler insurance cover, they will impose a penalty of ₹ 2,000. Furthermore, for subsequent offences, this fine will rise to ₹ 4,000. In some rare cases, the authorities may also penalise you by suspending your diving license and a 3-month jail sentence. Thus, having a two-wheeler insurance policy is crucial to abide by the law.