Salem is the fourth largest urban agglomeration and the fifth largest city in Tamil Nadu. It is a major textile hub of the state and has an expanding steel industry.

In a city with such rapid industrial growth, it is very common for the streets to be crowded round the clock. Moreover, haphazard parking, poor road conditions and increasing instances of theft are making the streets of this city risky to ply on. Thus, if you are a bike owner in Salem, having a two-wheeler insurance policy is a must.

If you are looking for a reliable insurance policy provider in this city, you can rely on Digit. Our paperless claim settlement process makes claiming your insurance cover fast and hassle-free.

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

• 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

We provide our two-wheeler insurance policyholders with the following benefits:

• Paperless Claim Settlement: Our smartphone-enabled self-inspection claim settlement process does not require any paperwork. Thus, gone are the days when you had to submit a load of documents and fill out numerous forms to claim your insurance policy. To initiate this process, call us, and we will send a link to your registered contact number. Then, you must follow a guided step-by-step process and upload pictures of the damaged portions of your two-wheeler. After that, our team will look into the matter and get back to you with an estimate. Then, you can choose to claim your policy by opting for Reimbursement or Cashless Repairs. This fast and easy method of settling claims enables us to maintain a high claim settlement ratio when it comes to scooters and bikes.
• Thousands of Network Garages: If you decide to choose Cashless Repairs while claiming your policy, you can bring your bike or scooter to one of our network garages. We have thousands of them all over India, and thus, you can choose one which is the nearest to your location. Your two-wheeler will get repaired without any extra expenses from your end. Furthermore, you will also get 6 months of warranty on all the repair work done by them.
• Option to Customise the IDV of Your Two-wheeler: Your bike’s Insured Declared Value or IDV greatly influences the premium amount and sum insured of your two-wheeler insurance cover. Thus, to maintain transparency, we give you the option to customise the IDV of your bike as per your preference.
• 24-hour Customer Support: Our customer support team is ready to assist you 24 hours a day, seven days a week. Even if you call on a national holiday, we will be happy to help you out.

Here is how a two-wheeler insurance policy from Digit can help to save your bike in Salem:

• Complying With the Law: The Motor Vehicles Act of 1988 mandates every vehicle owner to have at least a third-party insurance policy. If you do not have one and are caught by the authorities, there is a fine of ₹2,000. Furthermore, if you repeat this offence, the penalty will rise to ₹4,000 and may include a suspension of your driving licence or a 3-month jail sentence. Hence, it is crucial to get a two-wheeler insurance plan to avoid legal disputes.
• Choose an Insurance Cover That Suits Your Needs: We primarily offer three kinds of two-wheeler insurance policies:

Comprehensive Two-Wheeler Insurance Policy – A comprehensive two-wheeler insurance policy provides financial cover for damages to your own bike and third parties during an accident. It also financially covers expenses due to damages by fire, theft, natural calamities and man-made disasters.  

Third-Party Two-Wheeler Insurance Policy – This type of insurance cover provides financial coverage for damages done by your two-wheeler to third-party individuals, vehicles or properties. 

Own Damage Two-Wheeler Insurance Policy – When you purchase an own damage two-wheeler insurance policy, you get financial cover damages to your own bike. It also covers for damages by natural and man-made disasters, fire and theft. It comes in handy when you already have a third-party insurance cover and need financial protection in case your bike gets damaged in an accident. Additionally, you can buy an own damage two-wheeler insurance policy from Digit even if you have a third-party insurance policy from a different policy provider.

• Customise Your Bike Insurance Policy with Add-ons: If you purchase a comprehensive bike insurance policy from Digit, you get to enhance its coverage with the help of add-ons. They come at nominal extra costs but help you out in multiple ways. For example, it is common for an engine to suffer from consequential damage after an accident. The damage can be due to the leaking of lubrication oil or entry of water during a flood or any other natural disaster. A standard two-wheeler insurance policy does not cover these kinds of damages. However, if you have the engine protection cover add-on, we will cover these expenses for you. Another excellent example of an add-on is the return to invoice cover. In the event of an accident, it is possible that your bike or scooter may get damaged beyond repair. Under such circumstances, if you have this add-on, we will refund the entire invoice amount. Likewise, you can also opt for zero depreciation cover, roadside assistance, and consumables cover.
• Personal Accident Cover: Getting a personal accident cover is mandatory while buying a two-wheeler insurance policy. It provides financial coverage when you suffer from injuries, permanent disabilities or die in an accident. Moreover, it takes care of your family’s finances and looks after the proper conduction of your medical treatment.