Vadodara is a major industrial hub of Western India. Having road congestion in an industrial city like Vadodara is very common. On top of that, climatic challenges, poor road infrastructure, heavy vehicle movements, etc. lead to major accidents and mishaps.

So, if you own a two-wheeler in Vadodara, consider getting two-wheeler insurance at the earliest.

If you are searching for bike insurance providers, you can consider Digit. You can opt for a suitable two-wheeler insurance policy like Comprehensive Bike Insurance, Third-party Bike Insurance or Own Damage Bike Insurance as per your need. A bike insurance plan can be extremely beneficial as it protects your finances against unpredictable damages or losses.

Also, you need to buy at least a third-party insurance cover if you own a vehicle as per the Motor Vehicles Act, 1988.

If you are interested to know more about it, continue reading.

Vadodara (also known as Baroda) is an industrial city in Gujarat and is most famous for the various types of furniture, textiles and handicraft items.

The city houses several institutions of national and regional importance along with various large-scale industries such as Indian Oil Corporation (IOCL), Gujarat State Fertilizers & Chemicals (GSFC), Indian Petrochemicals Corporation Limited (IPCL, now owned by Reliance Industries Limited) and Gujarat Alkalies and Chemicals Limited (GACL), among others.

Challenges faced by Two Wheeler Owners in Vadodara:

• Climatic downfall: In 2019, the city witnessed 424mm of cloudburst rainfall due to cyclonic circulation resulting in waterlogging and adversely affecting the daily commute. It also leads to wear and tear of the engine, damage to the motor and many a time, washing away of vehicles all together or drowning in heavy floods. Additionally, slow-moving traffic causes heavy traffic jams across kilometres within the city with a high propensity to accidents.
  
• Poor road infrastructure leading to fatal accidents: Gujarat, as a whole, registered 19,081 road accidents in 2017 of which 7,289 were fatal according to the report presented by Commissionerate of Gujarat. So according to this report, 38 deaths take place in every 100 accidents.  This is mainly due to the lack of proper administration and investment in the development of road infrastructure that leads to severe adversities and fatal accidents within the city.
• Being the industrial hub: Since the city is mainly industry-based, encroachments of large labour mass and movement of heavy commercial vehicles across the city and on highways are increasing day by day. This causes major accident tendency especially at night when these trucks or lorries are at high speed on highways and a little irresponsible causing high number of fatalities.
  

With Digit’s two-wheeler insurance plan, the hassle turns to ease by avoiding complex paperwork, long lines and jargon-filled conversations with the agent. The company offers great coverage at a reasonable price. It's online and has a quick claim process, to add to the benefits!

Digit’s offerings in the two-wheeler insurance are:

• Comprehensive Bike Insurance: This offers holistic cover to both the third-party liabilities and damages to your own bike. It covers any damage caused through natural calamities, theft, fire, among others
• Third-party Bike Insurance insures damages & losses caused to a third-party person, vehicle or property, only. 

Ride legally, don’t get fined: The expenses incurred on the traffic fines, which in the current date, are quite heavy on the pocket. Penalties for traffic violations increased greatly post the Motor Vehicle Amendment Bill in 2019. Riding without insurance attracts a fine of ₹2000 and/or prison time of 3 months. Even your driving licence may get confiscated. So, having minimum third-party insurance will fulfil the legal mandate and save you from legal penalties.

A comprehensive plan, One go-to place: A comprehensive bike insurance plan with Digit can ensure peace of mind against all odds, be it the expensed of own damage or huge third-party claims. Considering the heavy rainfall and flood-like situations in Vadodara, comprehensive insurance becomes essential as it covers damages to the two-wheeler caused due to natural calamities. It also covers the bike against theft, vandalism, situations alike. This can be loaded up with add-ons to increase the scope of coverage.

Availability of suitable add-ons: Digit offers additional covers at an additional cost for enlarged protection. As per Vadodara, ‘Return to invoice’ 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 roads of Vadodara is remarkably high.