Car Insurance in Chandigarh

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 Chandigarh:

• 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 for its architecture and urban design, Chandigarh is a union territory and the capital of northern Indian states of Punjab and Haryana. This well-planned city was designed by a Swiss-French Architect Le Corbusier in the 1950s. Often called the 'City Beautiful', Chandigarh attracts a large number of tourists with its vibrant culture that has a mixture of both traditional Punjab and modernity. Some of the main attractions in Chandigarh include Rose Garden, Nek Chand's Rock Garden, Sukhna Lake, Leisure Valley, Government Museum, and Art Gallery.   

Challenges Faced by the Car Owners in Chandigarh

• Rogue Driving: Rogue driving or road rage is a serious issue in Chandigarh. With the increased number of vehicles on the road, these cases have further gone up. Moreover, bad driving habits of a few drivers, such as drunken driving and honking unnecessarily, have disrupted the smooth flow of traffic, resulting in road rage incidents in the city.  
• Traffic Congestion: Traffic in Chandigarh is getting heavier every day. With the rising population and vehicles, the roads are becoming congested, especially during peak hours. As a result, police officials are not able to manage them properly. Such mismanagement leads to chaos, and commuters have to remain stuck in traffic for long hours.  
• Poor Road Condition: Chandigarh roads are in a pitiable condition. Heavy rains in the city often cause the problem of potholes, which affects the vehicles to a great extent. It reduces the life and mileage of the automobiles and makes it difficult for the commuters to drive smoothly.

Considering the above challenges, it is necessary for car-owners to buy car insurance in Chandigarh. Digit Insurance is a trusted choice in India and is apt for those who want to buy an insurance plan in a relaxed and hassle-free manner. 

• Choose from Three Types of Car Insurance Policies:
  
  • Third-Party Liability Policy: It provides coverage for third-party injuries, accidental death, and even the damages caused to the other property.  
    
  • Comprehensive Car Insurance: Along with third-party liability, this complete package protects you and your car in case of natural and man-made calamities such as theft, fire, floods, terrorist attacks, accidents, and much more. 
  • 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. 
• Protect Yourself with Personal Accident Cover: Due to increasing vehicles and potholes in Chandigarh, accidents have become a major issue. You cannot stop accidents from happening. But, you can surely secure yourself by availing Digit personal accident cover. It offers financial stability to the insured person and his family if he/she gets injured or dies in an accident. 

• Avoid Heavy Fines: Driving without third-party car insurance can attract heavy penalties and fines. The fine for the first offence is Rs.2000, and for subsequent offences, you have to pay Rs.4000 from your pockets. In most cases, it can also lead to imprisonment for up to 3 months and cancellation of the driver's license. Hence, Digit's third-party insurance can be quite advantageous in such situations.

• Comprehensive Policy to Protect Your Car: Since third-party insurance only covers you for the third-party and property damages, Digit comprehensive car insurance can secure you to a much greater extent. It provides protection against the wide range of damages and injuries to your car, your passengers, and other property during accidents.

• Add-ons Suitable for Chandigarh: The comprehensive car insurance policy does not cover various add-ons. Suppose you're driving, and suddenly your car gets hit by a pothole, causing the wearing of the tyres. Here, tyre protection cover can prove to be very beneficial to you. Moreover, passenger protects cover can help you in case of any bodily injuries caused to your passengers.