Bike Insurance in Srikakulam

Srikakulam is the district headquarters of the Srikakulam district of Andhra Pradesh. It is an important city of Andhra Pradesh. This place is famous for the Khadi industry, cashew and coconut cultivation. Additionally, there are many temples and Buddhist stupas, and statues, which attract several tourists from India all around the year.

The growing number of private vehicles, increasing population, heavy monsoon and ineffective traffic management are responsible for traffic snarls leading to fatalities and mishaps.

So, if you have a two-wheeler in Srikakulam, you can opt for a two-wheeler insurance policy to avoid heavy financial losses caused due to accidental damages or theft.

If you want to opt for a two-wheeler insurance policy from a reliable insurance service provider, you can trust Digit.

Digit provides a lot of benefits for its two-wheeler policyholders. They are as follows:

• Several Network Garages for Cashless Repairs: There are several network garages of Digit located in various places all over India. You can take your damaged two-wheeler to any of these network garages under Digit while opting for cashless repair. You can get your damaged vehicle repaired without having to incur any additional charges from your end. This will relieve you from bearing heavy financial losses. There is a 6-months warranty for all repairs done in these garages.
• Online Claim Settlement Process: You can have your claims settled online against your two-wheeler insurance policy. The smartphone-enabled self-inspection feature has made the entire process hassle-free. You will have to just call us on the provided number. We will provide a link to your registered mobile number. You will have to click the images of your bike's damaged parts. Digit's team looking after the issue will get back to you with a quote. Then, you can visit any network garages of Digit and opt for cashless repairs. Digit has a high claim settlement ratio when it comes to two-wheeler insurance, thanks to the hassle-free claim settlement procedure.
• Option to Customise IDV: Insured Declared Value, or IDV, is one of the essential factors influencing your vehicle insurance. It denotes the current market value of your bike. Your bike's IDV will affect your policy's sum insured and the policy premium that you need to pay. Since Digit believes in transparency, it allows you to customise the IDV in bike insurance at your convenience.
• 24X7 Customer Support: You will be glad to know that Digit's customer care team is available 24X7 to provide round-the-clock service in case you have any queries regarding your two-wheeler insurance policy. They will happily answer your call even if it is a national holiday.

A bike insurance policy from Digit will protect you in Srikakulam in the following ways:

• Range of Two-Wheeler Policies Available: 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.

• Customise With 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 saviour 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.

• Personal Accident Cover: The personal accident cover is an extension of vehicle insurance that offers coverage in the event of death, bodily injuries, or permanent disability. It is essential for every owner of a two-wheeler vehicle. A PA cover will help to secure your family's finances in your absence. Digit will pay compensation to the nominee if the bike owner passes away in an accident.
• Avoiding Legal Penalties: As per the motor vehicles act of 1988, all private vehicle owners need to have at least a third-party insurance cover. Riding a vehicle without a valid insurance policy can lead to hefty penalties if you get caught. A two-wheeler insurance policy ensures financial coverage during losses and accidents and helps you avoid legal penalties too. In case you ride a bike without a valid insurance policy, you have to pay an amount of ₹ 2,000 as a penalty. For further repetition of this offence, you have to pay ₹ 4,000 as a penalty. For some cases, there might be three months of imprisonment.

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

• 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