Bike Insurance in Thane

Fondly dubbed as the ‘City of Lakes’, Thane is an immediate neighbour of Mumbai. The city is home to nearly 30 lakes like Masunda Lake, Upvan Lake, Kachrali Lake, Bramhala Lake, etc. Over the years, it has evolved as a well-balanced metropolitan city, courtesy of rapid industrial development.

In addition, Thane holds a rich cultural heritage and mythological significance. Currently, Thane also serves as a tourist destination as travellers across the country come here to visit Ghodbunder Fort, Kevla Beach, Thane Creek, Ovalekar Wadi Butterfly Garden and other famous places.

However, the city experiences heavy monsoon that adversely affects the road conditions. Hence, it is essential to opt for a two-wheeler insurance policy to ensure financial protection against any unforeseen damage or injury.

While comparing premiums offered by various insurance providers, you must factor in several other pointers to make an informed choice. In this regard, Digit makes an ideal option.

Scroll down to know more.

Besides affordable premiums, Digit’s two-wheeler insurance policy comes with several benefits to ensure 100% customer satisfaction. A few of them include:

• Digitalised Claim Settlement Procedure: To avoid the hassle of lengthy paperwork, Digit brings a smartphone-enabled self-inspection feature to fasten the claim settlement process. You first need to call Digit to get the self-inspection link on your registered mobile number. Once received, click on the link and upload the photos of your damaged motorcycle as evidence. Lastly, choose from “reimbursement” or “cashless” repair mode at your convenience. The concerned team will review your claim and provide you with a quote. This hassle-free claim settlement process has helped us to achieve a high CSR (Claim Settlement Ratio) for bike insurance.
• Uninterrupted Customer Support Service: Whether it is a premium-related or renewal-related concern, Digit’s customer care team is available round-the-clock to provide prompt assistance. We are available even on national holidays.
• Nationwide Digit Network Garages: To ensure you can address any issues with your motorcycle instantly, Digit has tied up with 9000+ network garages. If you opt for the “Cashless” mode of repair, you do not need to pay anything at the garage. Moreover, all services provided by these garages come with a 6-month warranty. All you have to do is visit the Digit network garages with the relevant policy details.
• IDV Customisation Option: To ensure customer satisfaction and convenience, Digit extends the facility to modify the idv in bike insurance. A higher IDV means higher coverage from the insurer. On the other hand, a lower IDV, though cheaper, might not provide sufficient coverage in the event of severe bike damage or theft.

Here’s how Digit two-wheeler insurance can safeguard your bike and your finances in Thane.

• Wide Range of Options to Choose from: 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.

• Protection against Legal Repercussions: In India, riding a motorcycle without insurance policies is an offence according to the Motor Vehicles Act of 1988. If caught, you have to bear a hefty fine of ₹ 2,000 for the first time and ₹ 4,000 for the subsequent ones. You may also be taken into custody for 3 months. Two-wheeler insurance from Digit will help you to stay legally compliant.
• Personal Accident Cover: The IRDAI has mandated a personal accident cover to compensate the policyholder up to ₹ 15 lakhs under certain unforeseen conditions. This includes bodily injury, permanent partial disability, permanent complete disability, and as bad as death. In such circumstances, the insurance provider is liable to compensate the policyholder or the nominee, whichever applies.
• Expand Policy Coverage with Add-ons: Digit offers additional covers at an additional cost for enlarged protection. A ‘Return to invoice’ cover can be the best choice, as it can help you get back the entire amount of your two-wheeler’s invoice value in case you suffer from a complete loss of the vehicle or it becomes irreparable after a flood.  Also, the ‘Personal Accident Cover’ is a must-buy add-on, as the probability of accidents and deaths related to the roads is remarkably high.

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

• 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