Car Insurance in Bhopal

According to the Motor Vehicles Act 1988, every Indian car owner must compulsorily insure their vehicles against third-party damage risks. With an increasing number of cars on the roads, the risks of accidents are high.

Car insurance plans can assist you financially to cover losses owing to damages caused by unforeseen incidents. For cities like Pune, car insurances are essential, considering the huge traffic rush and congestion.

If you are looking for a reliable insurance provider in Pune, consider Digit Insurance, one of the trusted motor insurers in India. You can either opt for a third-party car insurance policy or a comprehensive one according to your requirement and budget. Read further for a detailed idea of both the insurance policies.

Following are the car insurance add-ons available in Bhopal:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

Known as the city of lakes, Bhopal is the capital city of the state of Madhya Pradesh. With a population of over 18 lakhs, it is the 16th largest city in India and 131st in the world. Bhopal is one of India's greenest cities and is famous for its rich heritage and history. Van Vihar National park, Bharat Bhavan, Lower Lake, and Bhojtal lake and wetland, are some of the places that make Bhopal an interesting tourist spot. 

Challenges Faced by the Car Owners in Bhopal

• Frequent Road Accidents: Road accidents are one of the biggest concerns of car owners in Bhopal. According to 2018 stats by the officials, one accident was reported every 25 minutes, and every 9th accident resulted in death. Encroachments on busy roads and illegal parking are some of the leading causes of such accidents.
  
• Traffic Jams: Traffic jam has become a routine at all the prominent routes in Bhopal such as Jyoti Talkies, MP Nagar, Bittan market, Nehru Nagar, and Hamidia road. This has disrupted the daily commute of most people and has increased the congestion on the city roads, leading to wrong side driving and accidents.  
  
• Bad Road Condition: In monsoon, heavy rains cause major damage to the roads in Bhopal. The pathetic condition of the streets and potholes makes the daily commute difficult for the car owners. Moreover, these potholes get filled with water during rains due to which car drivers fail to spot them and meet with accidents.  
  

Car owners must buy car insurance in Bhopal. But how can you find the right insurance company that can fulfil all your needs? Well, don't worry! Digit insurance has got you covered.  

• Choose from Three Types of Car Insurance Policies:
  • Third-Party Liability Policy: It is a policy that protects you against the legal liability of accidental damages resulting in injury or death of the third party or property. 
  • Comprehensive Car Insurance: This covers the loss or damage arising due to natural and man-made calamities, and third-party legal liability. 
  • Own Damage: This policy covers loss and damage to your own car, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party car insurance policy.
• Personal Accident Cover: Suppose you're driving, and suddenly a high-speed truck coming from the wrong side collides with your car. Such accidents are inevitable and can result in permanent injuries or even death of the car owner. Hence, Digit personal accident cover can provide coverage to the insured and his family to a large extent, this is a must for a car owner from Bhopal because it’s an accident-prone city as discussed above
• Avoid Heavy Fines: A person mandatorily needs third-party car insurance to drive their cars in India. Thus, Digit third party insurance can help you buy the right insurance for your vehicle. Driving without insurance is an offence and can result in heavy fines. For example, if you're caught driving without insurance for the first time, you'll be fined with Rs.2000. And, in case of subsequent offences, the fine will increase to Rs.4000. Other punishments include – imprisonment for up to 3 months and suspension of driving license. 
• Comprehensive Policy To Protect Your Car: Car owners in Bhopal face many difficulties while driving, such as poor road conditions, potholes, car thefts, and accidents. But, how can you save yourself from the damages arising due to such situations? Digit comprehensive car insurance provides you with complete coverage and a stress-free mind. Moreover, if you injure someone or something from your car, the medical expenses and repairs will be taken care of by the insurance company. 
• Add-ons Suitable for Bhopal: Add-ons can provide additional financial protection to you and your car. During floods, water-logging can increase the chances of damage to the engine. Hence, it is advisable to opt for engine protector cover. Moreover, in case of accidents where your car has been damaged beyond repair, return to invoice can prove to be very beneficial.