The city of Sonipat in Haryana has historical significance and is home to diverse communities. It comes under the National Capital Region of India. Apart from this, it is also the administrative headquarters of the Sonipat district in Haryana. The Sonipat Junction railway station also lies in this area, attracting people from all over the region.

If you are a bike owner in this city, it must be very common for you to experience a heavy amount of traffic. Moreover, there are potholes, lack of proper infrastructure and rash driving to top it all up. In such a situation, purchasing a bike insurance policy is crucial for owners of two-wheelers.

If you are in search of a two-wheeler insurance policy, you can consider Digit. We give you the option to customise the IDV of your two-wheeler according to your preference.

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

• 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

Buying a two-wheeler insurance policy from us gives you the following benefits:

• 24-hour Customer Service: Our customer support executives are available 24 hours a day and 7 days a week to help you out. Even if you have the smallest query regarding your two-wheeler insurance policy, we will be happy to assist you. Furthermore, we will happily serve you even if you call us on national holidays.
• Option to Customise the IDV: The IDV or Insured Declared Value of your two-wheeler plays an important role in determining the sum insured and policy premium of your bike insurance policy. Thus, we consider it necessary for you to get the option to set it as per your convenience. This aligns your two-wheeler insurance policy according to your needs and also helps us maintain transparency.
• Paperless Claim Settlement: Our smartphone-enabled self-inspection process makes our claim settlement process completely paperless. This helps negate the need for submitting loads of documents and filling up forms. You simply need to call us on the number available on our website. We will send a link to your registered contact number. Then, you must follow a step-by-step guide and upload pictures of the parts of your two-wheeler that have sustained damage. Our team will look into the matter and get back to you with a quote. Then, you can make the decision of choosing either Reimbursement or Cashless Repairs. Our easy and hassle-free claim settlement process helps us maintain a high claim settlement ratio when it comes to private bikes and scooters.
• Network Garages All Over India: We have thousands of network garages all over India. So, if you choose Cashless Repairs while claiming your policy, you simply need to bring your damaged two-wheeler to one of them. These garages will make sure that your damaged two-wheeler is repaired without any extra spending from your end. In addition, they will also provide 6 months of warranty on all repair works done by them.

Besides protecting you financially after an accident, a two-wheeler insurance policy can save you in the following ways:

• Personal Accident Cover: A personal accident cover is a mandatory extension that you need to get while buying a two-wheeler insurance policy. If you suffer from bodily injuries or permanent disabilities in the event of an accident, it provides financial coverage for the required medical treatments. Moreover, if the bike owner dies during an accident, this cover will provide financial compensation to their family.
• Choose a Two-wheeler Insurance Policy of Your Choice: Digit offers you three types of bike insurance policies:

Comprehensive Two-Wheeler Insurance Plan

Third-Party Two-Wheeler Insurance Plan

Own Damage Two-Wheeler Insurance Plan

Each of these two-wheeler insurance plans has its own features and benefits. You can select one that suits your needs the best.

• Customise Your Policy With Add-ons: When you buy a comprehensive two-wheeler insurance policy from us, you can purchase add-ons to extend its coverage. They come at extra costs but help you out in different situations. For instance, you can consider getting the roadside assistance add-on. Having this cover on your two-wheeler insurance policy will help you out in situations when your bike breaks down in the middle of the road. Under such circumstances, simply call us, and we will make arrangements for your two-wheeler to be fixed on the spot. In case that is not possible, we will arrange for your bike to be towed up to a distance of 50 km from the point of the breakdown. We will take it to the nearest Digit Authorised Repair Centre and get it repaired. These services under the roadside assistance add-on are available 24/7. However, you have to be within 500 km of your city to avail them. Let’s take another example for better understanding. You can also purchase an engine protection cover as an add-on. There are times when a two-wheeler's engine can suffer from consequential damage after an accident. This can be due to the leakage of lubricating oil or the entry of water into the engine during floods. Usually, this kind of damage is not covered by a standard two-wheeler insurance cover. However, if you have this add-on on your Digit bike insurance plan, we will cover all these costs.
• Adherence to the Law: In India, it is illegal to ride your two-wheeler without a valid bike insurance cover. The Motor Vehicles Act of 1988 states that all vehicle owners must purchase at least a third-party insurance policy. Thus, if you ride your bike without insurance cover, there will be a hefty ₹2,000 penalty. It will increase to ₹4,000 if you repeat this offence. Furthermore, the authorities may also punish you with a 3-month jail sentence and suspend your driving licence. Hence, the importance of a two-wheeler insurance cover does not end with providing financial compensation after an accident; it also saves you from unnecessary legal hassles as well.