Bike Insurance in Shimla

Shimla is the capital and the largest city of the northern Indian state of Himachal Pradesh. It is the state's principal commercial, cultural and educational centre. Known for its scenic beauty, the city receives a massive number of tourists from all over the country.

However, the city's geographical location serves as a bigger disadvantage. It is prone to massive rainfall, earthquakes, flash floods and landslides. The high tourist influx often causes traffic snarls, congestion and accidents. Thefts are also common.

Hence, it becomes essential for a two-wheeler rider in Shimla to protect himself from financial losses caused due to any unforeseen incidents.

If you are in search of a bike insurance provider in Shimla, Digit Insurance is the name you can rely on. You can customise your IDV as per your budget and needs and even get online claim settlement.

Digit's two-wheeler insurance provides the following benefits:

• 24-Hour Customer Support: Digit's customer support team provides round-the-clock service if you have any queries regarding your bike insurance policy. They are even ready to cater to you on national holidays. Hence, you can connect with them at any time of the day without any hesitation.
• Thousands of Network Garages Pan India: You can opt for the cashless repairs option when you claim your bike insurance policy from any of Digit's network garages. Get to the nearest network garage and have the damages repaired without paying anything from your end. Digit will settle the amount later on. However, the best part is that the network garages provide a 6-month warranty for all repair jobs that they conduct.
• Hassle-free Online Claim Settlement: Follow the step-by-step guide given by Digit while claiming your two-wheeler insurance policy online. To proceed, call on the toll-free number as provided. You will get a link on your registered mobile number. Following this, send the photographs of the damaged portions of the bike. Make sure it is not hazy. After inspecting the same, the team will send you a quote. You can either opt for reimbursement or a cashless repair method. The process is smooth and paperless, and you do not have to deal with any document submission, paperwork, or formalities.
• Customise Insured Declared Value: With Digit, you get the option to customise your IDV in bike insurance as per your budgetary requirements and preference. The insured declared value is crucial, as it significantly influences your bike insurance policy's sum insured and premium amount. Do note that a higher IDV will lead to a higher premium amount.

Here's how Digit's two-wheeler insurance can safeguard you and your bike in Shimla: 

• Customise Your Policy With Digit's Add-Ons: Add-ons help to extend the coverage of the existing comprehensive two-wheeler policy and provide better coverage. Even though they come at an extra cost, they can be a savior in certain circumstances. Let’s take an example of the return to invoice cover. This add-on comes extremely handy if your bike is damaged beyond repair or is stolen. In these cases, Digit will refund the amount stated in the invoice. This cover is suitable for new bikes. The return to invoice add-on will also cover the road tax and the registration charges. Besides these, you can get consumables cover, roadside assistance cover, zero depreciation cover, etc.
• Avoid Getting Involved With Legal Complications: Since having a third-party insurance plan is mandatory as per the Motor Vehicles Act of 1988, make sure you have at least third-party bike insurance. This can save you from paying unnecessary penalties from your pocket. However, you might have to pay a fine of ₹ 2,000 if you get caught riding without an insurance cover. For further offences, it can rise to ₹ 4,000. In some instances, you might be imprisoned for 3 months and even lose your driving license. So, a two-wheeler insurance policy from Digit saves you from unnecessary legal issues apart from offering financial coverage in case of an accident or loss.
• Digit's Varied Two-Wheeler Insurance Policies: 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.
• Personal Accident Cover: You will need to buy the personal accident cover while getting bike insurance, as it has been made compulsory by law. With Digit's PA cover, you will get financial assistance to cover expenses due to permanent disabilities, injuries, or death due to an unfortunate accident. You can get coverage for medical treatment bills and loss of income that will help to provide the much-needed financial security for your family.

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

• 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