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.

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

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 6 months warranty for all repair jobs that they conduct.
• Hassle-free Online Claim Settlement: Follow the step-wise 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 the Insured Declared Value: With Digit, you get the option to customise your bike's IDV 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 high 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: If you want to get additional coverage over and beyond your comprehensive insurance policy cover, you can do so with the add-ons. With add-ons, you get extended coverage and benefits that can help you in various circumstances. The wide range of add-on covers that you can buy includes the following:

  • Zero Depreciation Cover
  • Roadside Assistance
  • Engine Protection Cover
  • Consumables Cover
  • Return to Invoice Cover and more

You can choose and buy as many add-ons as you want as per your requirement. But note that add-on covers will increase the premium amount of your bike insurance premium.

• 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: You can get the below-mentioned two-wheeler policies to safeguard your finances.
  • Comprehensive Two-wheeler Insurance
  • Third-Party Two-wheeler Insurance
  • Own Damage Two Wheeler Insurance

Opt for any of this insurance policy to cover the expenses due to personal or third-party damages and losses caused due to unfortunate situations. 

• Personal Accident Cover: You will need to buy the personal accident cover while getting motor 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.