Bike Insurance in Thrissur

Thrissur is the third largest urban agglomeration in Kerala. The Kerala Sahitya Academy, Kerala Lalithakala Akademi and Kerala Sangeetha Nadaka Academy are all located in this city, making it the state's cultural capital.

Thrissur also experiences a high volume of traffic throughout the day. In addition, the poor road conditions, heavy rainfall, irresponsible driving and lack of proper infrastructure make its streets fraught with danger. If you are a bike or scooter owner in this city, riding on the roads without a bike insurance policy is a risk that you just cannot afford.

Hence, to protect yourself from unforeseen mishaps, you should purchase a two-wheeler insurance policy.

Digit can be a viable option if you are in search of a bike insurance policy provider. Digit has network garages all over India and also comes with a high CSR or claim settlement ratio for two-wheeler insurances.

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

• 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

When you purchase a two-wheeler insurance plan from Digit, you get the following benefits:

• Option to Customise the IDV of Your Two-wheeler: IDV is the highest amount that an insurer will provide compensation for in the event of theft or total damage. Your bike's Insured Declared Value significantly influences your two-wheeler insurance policy's premium amount, and sum insured. With Digit, you get to customise the IDV in bike insurance according to your preference.
• 24/7 Customer Support Helpline: Digit has a customer support team that operates 24/7. Our executives will solve all your queries related to your bike insurance policy promptly. Furthermore, they will happily take up your case even if you call on a national holiday.
• Quick and Easy Claim Settlement: The claim settlement process for Digit's bike insurance policies is online, negating the need to submit hard copies of documents and fill up forms. Instead, you simply have to call them in order to initiate the smartphone-enabled self-inspection process. Then you have to follow a step-wise guide as per the link provided and take pictures of the damaged parts of your two-wheeler. A team from Digit's end will analyse the matter and get back to you with an estimate. After that, you can choose to claim your policy either via a Reimbursement or Cashless Repairs. This fast and easy process has helped Digit maintain a high claim settlement ratio for two-wheeler insurance.
• Thousands of Network Garages: Digit has network garages all over India. When you opt for Cashless Repairs, you can take it to one of these network garages and get your bike fixed without any additional expenses. Furthermore, these garages provide a 6-month warranty on all their repair works.

The importance of a two-wheeler insurance policy does not end with providing financial coverage in the event of an accident. It has other significant roles to play, which are:

• Avoiding Legal Action: Did you know that the Motor Vehicles Act of 1988 mandates all vehicle owners to have at least a third-party insurance cover? So, if the authorities catch you riding your bike or scooter without a valid insurance policy, they will penalise you with a hefty fine of ₹ 2,000. Moreover, if you repeat this offence, this penalty will rise to ₹ 4,000. Furthermore, the authorities may also decide to cancel your driving license and punish you with 3 months imprisonment.
• Opt for a Two-wheeler Insurance Plan of Your Choice: The company 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 Your Bike Insurance Policy With Add-ons: When you buy a comprehensive bike insurance policy from Digit, you get to enhance its coverage with the help of add-ons. They come with nominal extra costs but help you out in various ways. Let's take the example of return to invoice cover. An accident that damages your two-wheeler beyond repair is a nightmare for every bike owner. With this add-on in your two-wheeler insurance policy, Digit will compensate the entire amount on the bike invoice in such situations. Another excellent example of add-ons is roadside assistance cover. It comes in handy when you are stranded on the road with your bike broken down. This add-on provides coverage for repairing expenses, towing services, fuel assistance, taxi services and more.
• Personal Accident Cover: Being a bike or scooter owner, it is of utmost importance to have a personal accident cover. It provides financial coverage to compensate for expenses in case of bodily injuries, permanent disabilities or death due to an accident. The nominee also gets the total sum insured in case of the death of the owner. So, a personal accident cover is vital to safeguard your family's finances during any unforeseen mishap.