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.

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

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 thousands of 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 or Insured Declared Value. 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 crafts policies that fit diverse requirements. They are:

  • Comprehensive Two-wheeler Insurance Policy
  • Own Damage Two-wheeler Insurance Policy
  • Third-party Two-wheeler Insurance Policy

Assess your requirements and your budget, and then pick a suitable bike insurance policy.

• Protection against Legal Repercussions: In India, riding a motorcycle without insurance policies is an offence according to the Motor Vehicles Act 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 worse 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 enables comprehensive two-wheeler insurance policyholders to customise their policies with add-ons to confirm improved financial protection. For that, you need to pay additional charges along with premiums. Here are some options available:
  • Consumables Cover: Though your standard two-wheeler insurance policy covers accidental repairs and replacement services, there are several consumables components it does not compensate for. With a consumables add-on cover, you do not need to pay for engine oil, brake oil and coolant refill or replacement, pipes, bolts, screws and more.
  • Zero Depreciation Add-on: With this add-on, your insurance provider cannot subtract any depreciation charge, and thus, you will receive a higher claim amount after the necessary deductions. This will maximise your savings.
  • Engine and Gearbox Protection Cover: A standard insurance policy compensates for unfortunate situations, such as accidents, theft or damage due to natural calamity or any third party. With an engine and gearbox protection add-on, you are free from bearing expenses related to lubricating oil leakage, water regression and undercarriage defects.

There are other add-ons such as:

• Tyre protect cover
• Roadside assistance cover, etc.