Individuals looking for a Hero bike insurance plan may already know about Digit. One of the fastest growing general insurance company, Digit offers two-wheeler insurance policies that can offer financial protection efficiently. Listed below are some reasons why you can never go wrong when purchasing insurance from Digit:
a) Third-party liability bike insurance – This insurance policy covers the financial losses incurred due to damages to a third party vehicle or property caused by your bike. It also provides coverage for any bodily injury or death of a third party.
b) Comprehensive bike insurance – This is an all-round protection plan for your bike or scooter. With such a policy in place, you can claim your own damage, as well as for the damages sustained by the other party in accidents. Further, this plan reduces your financial liability in case of bike damage occurring from natural calamities, riots or other reasons.
Apart from these common options, Digit also lists an Own Damage bike insurance policy for customers. Such a plan applies to those who already own long term third-party policy and are only looking for financial liability protection for their own vehicle. However, you must bear in mind that this cover is available only if you have purchased your Hero bike after September 2018.
A Greater Number of Network Garages - You can avail cashless insurance claims by visiting network garages under Digit. Fortunately, the insurance provider has over 1000 garages within its network across India. Therefore, finding such a garage becomes easier regardless of where you are in the country. Just visit one of the network garages and complete your bike repairs without spending a single dime.
Simple Purchase and Renewal Procedure - Digit facilitates easy purchase of Hero bike insurance online. All you need to do is enter a few details, select your desired coverage and make payments to receive the insurance policy via email . With such hassle-free online purchase/renewal, the entire process becomes more streamlined and also eliminates the necessity of seeking the services of a broker or insurance agent.
Customise IDV it as per Your Requirements - IDV or Insured Declared Value is the amount you can avail from the insurance company upon total damage or loss of your vehicle. This amount is calculated by deducting your Hero bike’s depreciation from its manufacturer’s price. Now, the calculation of depreciation varies from one company to the other. With Digit you can enjoy a high IDV and also avail the opportunity to customise it to maximise your benefits.
Reduce Your Premium with No Claim Bonus - One of the perks of riding your two-wheeler carefully is that you can reduce the chances of mishaps on roads. That way you also lower the chances of raising claims under your insurance policy. If you do not raise claims under your Hero two-wheeler insurance, Digit will extend you the benefit of a No Claim Bonus. With this benefit you will be able to avail a discount on the premium you pay for your insurance policy in the succeeding year. This NCB can amount up to 50% (depending upon the number of non-claim years), allowing you to save a substantial portion of your premium.
Easy Claim Process and High Claim Settlement Ratio - Digit has streamlined raising claims for policyholders by shifting the entire process online. With Digit, you can enjoy a smartphone enabled self-inspection process and eliminate the hassle of getting your Hero two-wheeler inspected by an agent of your insurance company while filing claims. Further, claim settlement ratio is one of the more important factors to check while availing a two-wheeler insurance policy. Since Digit has a high claim settlement ratio you can reduce the chances of your claim getting rejected to quite an extent.
Availability of Various Add-ons and Riders - Standard policies do not offer financial assistance for repair of certain bike parts. For instance, if your engine sustains damage, you cannot claim coverage for its repair under your insurance scheme. Digit allows consumers a wider scope of all-round coverage with its add-ons and riders. Some popular add-on safeguards include:
- a) Engine and gear protection cover
- b) Zero depreciation cover
- c) Breakdown assistance
- d) Return to invoice cover
- e) Consumable cover
To truly protect your finances in all cases, ensure you avail useful add-on protection.
Dependable Customer Service - Accidents and other mishaps can occur at any time. It is therefore pertinent to avail the services of an insurance provider that is available for its consumers at all times, be it day or night. Digit’s 24x7 customer care assistance ensures that help is just a phone call away.
Whether you want to report an accident or simply resolve a query regarding your policy, the insurance company is dedicated to deal with all your issues.
But, nobody works on national holidays, right? Wrong. You can reach Digit’s customer care on holidays as well.
So, stop wondering purchase your Hero bike insurance today!
But are you worried that the insurance premiums are too high? Well, we have a solution for that as well.