Two Wheeler Insurance in Rajkot

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Why should you buy Digit Bike Insurance in Rajkot?

We treat our customers like VIPs, know how…

Smartphone-enabled Self Inspection

Quick and Paperless claims process through a Smartphone-enabled self-inspection process

Cashless Repairs

1000+ Cashless Garages for you to choose from across India

Super-fast Claims

Average turn around time for two-wheeler claims is 11 days

24*7 Support

24*7 call facility even on National Holidays

High IDV per rupee

With us, you can customize your IDV as per your choice!

Two Wheeler Insurance Plans in Rajkot

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Third party

A Third-party Bike Insurance is one of the most common types of bike insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.

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Comprehensive

A Comprehensive Bike Insurance is one of the most valuable types of bike insurance that covers both third-party liabilities and damages to your own bike as well.

Third-Party

Comprehensive

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Know more about the difference between comprehensive and third party two wheeler insurance

How to file a Claim?

After you buy or renew our two wheeler insurance plan, you live tension free as we have a 3-step, completely digital claims process!

Step 1

Just call on 1800-258-5956. No forms to be filled.

Step 2

Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.

Step 3

Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

More about Two Wheeler Insurance in Rajkot

Rajkot is the fourth-largest city in the state of Gujarat after Ahmedabad, Surat and Vadodara. This is in the centre of the Saurashtra region of Gujarat. The city is also the 35th-largest urban agglomeration in India, with a population of more than ~1.8 million as of 2018. 

The city contributes to the economy of the state with heavy and small scale industries under the patronage of Gujarat Industrial Development Corporation (GIDC) and Gujarat State Financial Corporation (GSFC). Industrial products include bearings, diesel engines, kitchen knives and other cutting appliances, watch parts (cases and bracelets), automotive parts, forging industry, CNC machine, auto parts, and diesel engine and submersible pumps, among others.

Challenges faced by Two Wheeler Riders in Rajkot

  • Increased accidental rates: According to State Traffic Branch report, two-wheelers were involved in more than 30% of the accidents in Gujrat over the last two years. In 2017, of the 19,081 road accidents, 6,086 involved two-wheelers of which 2,038 were fatal.  Most of these accidents are caused by irresponsible drivers, traffic violations, hit from other vehicles especially from behind and rash driving.
  • Poor road infrastructure: Road experts reported the presence of faulty road engineering in Rajkot leading to fatal accidents. Police have identified 25 such black spots on national highways passing through Gujarat and 45 black spots on state highways.
  • Encroachments and settlements around the highways: The illegal settlements across the industrial areas by labour class and immigrants are a major reason for accidents, especially at night for heavy vehicles and other highway users. The major problems are the hindrance of visibility and high speed.
  • Climatic downfall: Rajkot experiences cloudburst rainfall due to cyclonic circulation resulting in waterlogging and adversely affecting the daily commute. It also leads to wear and tear of the engine, damage to the motor and many a time, washing away of vehicles all together/drowning in heavy floods. Natural calamities like these can be lethal with an increased propensity for major accidents through collision, open manholes and potholes, among others. Additionally, slow-moving traffic causes heavy traffic jams across kilometres within the city with a high propensity to accidents. 

The offering is Online and Easy – two simple words to simplify the most complicated term ‘insurance’. Digit offers plans ranging with comparatively the best insurance deals with self-inspection based, hassle-free, super-fast claim process.

The plans are flexible as per your requirements. Example: You can customize the IDV as per your needs before buying the policy.

 

Choice of bike insurance plans:

  • a) Comprehensive Bike Insurance offers holistic cover to third-party liabilities and accidental damages to your own bike as well. It also covers any damage caused through natural calamities, theft, fire, among others
  • b) Third-party Bike Insurance insures damages & losses caused to a third-party person, vehicle or property, only. 

  • Keep away from traffic fines: It is illegal to ride a bike without insurance on Indian roads. As per the MV amendment in September 2019, if you are caught riding an uninsured bike then you will be charged with a penalty of ₹2000 for this offence. Even you may be put behind the bars for 3 months and your licence may get cancelled. So make sure that you have at least a third-party bike insurance before you start riding.
  • Get protected with Comprehensive Insurance Plan:  As per the challenges mentioned above, it is advisable that you should go for a comprehensive insurance policy to protect your bike. As Rajkot is prone to floods and the probability of accidental damages on the poor roads is high, a comprehensive policy will be your saviour in such conditions. Plus this can be loaded with multiple add-ons to increase the protection. 
  • Add-ons fit for Rajkot: As per Rajkot is concerned, ‘Return to invoice’ can be the best choice as it can help you get back the entire amount of your two-wheeler’s invoice value, in case you suffer from a complete loss of the vehicle during a flood. Considering the fatality in the road accidents the ‘Personal Accident Cover’ becomes unavoidable. This supports financially if you suffer from a permanent disability or death in an accident.