Thiruvananthapuram, also known as the "Evergreen city of India", is the capital of Kerala. It is the most populous city located on the west coast of India near the extreme south of the mainland. The city primarily consists of low coastal hills and experiences a tropical monsoon climate. Due to this, the region experiences heavy rainfall as well.

However, this unpredictable weather condition makes it difficult for bike riders to commute through this region on a daily basis. They often face unprecedented situations like accidents, third-party damage, natural calamity damages, etc. As a motorist, you should consider securing your finances with an insurance policy provider.

Digit Insurance can help you in this regard. With our customisable add-ons and policy of transparency, you can protect your vehicle and finances from potential damage.

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

• 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

Two-wheeler insurance is a requirement for all bike owners. Getting one from Digit will get you a lot of benefits, which have been listed below:

• Thousands of Network Garages Throughout India: If you opt for Digit’s Cashless Repairs while claiming your insurance policy, you can get repairs done at any one of our network garages. This will help you repair your damaged scooter without hurting your pocket. These registered network garages are located all across India and are easy to identify. You will also get a 6-month warranty on all repairs.
• 24x7 Customer Support Team: Our customer support team works round the clock to give prompt solutions to your queries related to your bike insurance policy. Therefore, you can call us anytime without hesitation, and we will be happy to help you. Moreover, if you have any doubts about your insurance policy or need sudden repairs on national holidays, we will also solve that.
• Get Digital Claim Settlement Process: Digit facilitates a digital claim settlement process for the customers to avoid the trouble of paperwork and filling up forms. Our smartphone-enabled self-inspection process consists of the following steps:
  • Call us on our number
  • Once we send a link to your registered mobile number, click on it.
  • Follow the step-by-step guide and capture clear pictures of the damaged parts of the vehicle.
  • Once you upload the pictures, our team will analyse the damage and get back with an estimate. 

You can then choose between cashless repair or reimbursement. This smooth and paperless settlement process helps Digit maintain a high claim-settlement ratio for private vehicles. 

• Customise the Insured Declared Value: Get your IDV or Insured Declared Value customised with Digit Insurance. The higher the IDV, the better the price you will get for selling your bike. However, it has a direct impact on your scooter’s insurance policy's sum insured and premium. You get the option of customising the IDV as per your budgetary requirements.

Here are the features you can get from Digit after getting two-wheeler insurance in Thiruvananthapuram:

• Customise Your Add-ons: Digit's add-ons come at an additional price but can help you in various situations. For example, you can purchase them to extend and enhance your comprehensive insurance policy. This will give you extra protection and will safeguard your finances as well. Here is the wide range of customisable add-on options that you can get from Digit:

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

Apart from these, there’s also the Daily Conveyance Benefit. With this add-on, the insurance provider will compensate you for the transportation cost if your vehicle is under repair. However, this is only applicable if you file a claim under the Own Damage Insurance Policy section. As a policyholder, you can get this through travel coupons or a fixed per-day allowance.

• Avoid Getting Involved With Legal Complications: The Motor Vehicles Act of 1988 mandates bike owners to have at least a third-party insurance policy. This will help you safeguard your finances from further losses. However, if you have a learner's license and ride without the same, your claims will not be covered in such cases. Violating the Motor Policy laws will lead to a fine. This can range from ₹ 2,000- ₹ 4,000, or it can also lead to suspension of your driving license. Hence, it is crucial to get a two-wheeler insurance policy to avoid legal disputes.
• Personal Accident Cover: A personal accident cover is essential for any bike owner while travelling. This will cover you if you suffer permanent disabilities, injuries or death due to an accident. You can also get adequate medical and financial coverage if you suffer from any unfortunate accident. This will ensure a smooth medical treatment as well.
• Range of Two-wheeler Insurance Policies: These are the two-wheeler insurance policies that you can purchase from Digit. 

Comprehensive Two-wheeler Insurance: This policy guards you against own damage, third-party damage, theft and loss, damages caused due to natural calamities, etc.

Third-Party Two-wheeler Insurance: This policy protects you against damages or losses caused to third-party property or vehicles due to an accident.

Own Damage Two-wheeler Insurance: This policy covers personal vehicular damages and losses caused due to unfortunate situations.