One of the top tourist attractions in the state of Karnataka, Udupi is known for many notable temples. It is one of the fast-growing cities in the state with a lot of tourist attractions. Additionally, Udupi headquarters some of the renowned banks of India and has various educational institutions.

Due to developmental works, increasing population, and tourist inflow, the streets of the city remain clogged with heavy traffic. This increases the risk of accidents, fatalities and other mishaps.

So, if you are an owner of a two-wheeler, you should purchase a bike insurance to stay financially protected in the event of any mishap.

Digit is a reliable insurance service provider. It has a high claim settlement ratio for bike insurance policies and offers a completely digital claim settlement process.

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

• 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

The benefits provided by Digit's two-wheeler insurance to policyholders are:

• Simple and Quick Claim Settlement Procedure: With Digit, you get an entirely online procedure for claim settlement. Digit's claim settlement comes with a smartphone-enabled self-inspection procedure and is completely hassle-free. The simple steps include calling on Digit's number as provided. Then, you will get a link on your registered mobile number. Next, you have to tap on the link and upload pictures of the damaged areas of your vehicle. After that, our dedicated team will inspect the claim. Finally, they will get back to you with a quote. You can choose your preferred mode of repair.
• Choose Network Garages for Cashless Repairs: You can take your vehicle to your nearest network garage of Digit when you opt for the Cashless Repair service while claiming your vehicle's insurance policy. The network garages are situated at various places in India. You will not have to bear any additional repair costs while opting for repair services at any of these network garages.
• 24X7 Customer Service: The customer service team of Digit ensures prompt solutions to any of your queries related to the two-wheeler insurance policy. Even when it is a national holiday, you will find our team answering your calls happily. So, if you face any emergency or have any queries, you can get in touch with our team without any hesitation.
• Customising IDV: Insured Declared Value or IDV is your vehicle's market value. This IDV affects the premium and the sum insured of your two-wheeler policy. So, it is your responsibility to fix the IDV of your bike correctly. Since Digit believes in transparency, it allows you to customise your two-wheeler's IDV as per your necessity and convenience. With lower IDV, you might have to pay a lower premium, but the coverage might be insufficient.

Here is how the Digit two-wheeler insurance can protect your two-wheeler in Udupi:

• An array of Two-Wheeler Insurance Policies: The three two-wheeler policies that Digit offers are:

  • Comprehensive Two Wheeler Insurance
  • Third-Party Two Wheeler Insurance
  • Own Damage Two-Wheeler Insurance

If you possess a third-party two-wheeler insurance cover from any insurance service provider, you will be able to buy a stand-alone policy. Before you buy an insurance policy, you need to analyse your requirement and your budget.

• Opportunity to Customise Add-ons: Digit offers the option to customise the coverage of your comprehensive two-wheeler insurance policy with add-ons. You will, however, have to bear an additional cost. But these add-ons can prove to be quite beneficial in different circumstances. Some examples of add-ons that you can get from Digit are:

  • Return to invoice cover
  • Breakdown assistance cover
  • Consumable cover
  • Zero depreciation cover
  • Tyre protection apart, among others. 

These add-ons provide an extra layer of protection for your bike.

• Avoid Legal Penalties: A two-wheeler insurance policy helps you avoid legal penalties apart from assuring financial coverage due to accidents or damages. According to The Motor Vehicles Act 1988, you need to possess at least a third-party insurance cover for your vehicle. It is illegal to ride a two-wheeler in India without any insurance coverage. You must keep in mind that you have to pay a fine of ₹ 2,000 if you ride your vehicle without a valid insurance policy. However, in case of repeated offences, they will charge a penalty of ₹ 4,000. This might also include three months of imprisonment and license cancellation.
• Personal Accident Cover: A personal accident cover will help to secure your family financially and take care of the huge medical expense that comes during an accident. This cover ensures financial assistance for expenses due to complete or partial disability and bodily injuries. A PA cover is mandatory as per the motor laws, and it has to be taken in the name of the two-wheeler owner. Digit offers the total sum insured as compensation during death or complete permanent disability of the owner.