Car Insurance in Dehradun

Dehradun, the capital city of Uttarakhand, is one of the busiest cities in India. If you are a resident of this city owning a private car, you must opt for a car insurance policy. Car insurance policies safeguard you against financial losses caused due to damage to own car and third-party damages caused during an accident depending on the type of insurance you opt for.

In addition, the Motor Vehicles Act of 1988 mandated that all private vehicle owners in India have to purchase a third-party motor insurance policy.

You can consider Digit Insurance as one of the trusted insurance providers. It offers you third-party and comprehensive insurance policies at affordable premiums with quick claim settlement. Keep reading to know more.

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

• 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

Dehradun is a significant part of the Garhwal region, which is inhabited by Garhwali people primarily. So, this place has a unique influence of Garhwali customs and tradition. These people are amazing people with a warm heart and friendly nature. Dehradun is known for its high altitude location, the weather mostly remains cold and windy throughout the year. The economy of this place is associated with tourism and agriculture.

Dehradun houses a population of 5.78 lakhs. However, the growth is widely seen during peak tourism seasons, where people from all over the world come to enjoy the mountainous beauty at its best. This district comprises of over 10 lakhs of registered vehicles. Most of these vehicles are commercial jeep and bigger cars to transport tourists. Other than that, there are private-owned cars available as well.

Challenges Faced by Car Owners in Dehradun

Overcrowding: Dehradun used to hold the pristine charm of being a district with lower pollution count. But, thanks to the high-end tourism business and even growing industries, the roads remain congested most of the time. Not only that, but the roads are pretty narrow due to its terrain. So, even a few numbers of vehicles can often lead to higher congestion, mainly during peak working hours and tourism seasons. Now, traffic police are trying hard to keep this congestion under control, but not succeeding quite often.

Weather Conditions: As it has already been mentioned, the weather is always towards the chilly and windy side, worsening the road conditions more. Summer temperature might hike up to 44 degree Celsius but just for a few days. Fog is quite common over here, leading to some dreadful accidents. Other than that, during the monsoon season, Dehradun has to survive heavy and protracted rainfall, leading to degrading the condition of roads even further.

Robbery: Some recent statistics provided by police on vehicle theft cases have made it rather clear that the number is on the rise. Things are at a pretty alarming rate, to be honest with around 250 vehicle lifting cases registered within a period of just 3 months in 2018. So, finding your vehicle disappeared from the parking lot has been a common nightmare for all. In the state, more than 247 vehicle theft cases were reported within 3 months’ time. The number keeps on rising steadily.

It is true that you have to invest a hefty amount of your savings to purchase a car. Therefore, it is your duty to take complete care of it. It is only possible through car insurance from reputed insurance companies only.

There are innumerable times when you have thought of investing in the best car insurance. Well, now it is time to turn this thought into reality with Digit Insurance. Want to know how? 

• Choose from the Three Types of Policies: Digit offers the below-mentioned car policies:
  • Third Party Car Insurance: This insurance pays for you when you are legally held responsible for a mishap that has caused bodily injury or property damage to any other party. The damage to your car is not covered in this plan.
  • Comprehensive Car Insurance: ​This policy covers third-party claims and the damage to your own car, which can be further customized with add-ons for better protection.
  • 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.

Check: Use Car Insurance Calculator to get the car insurance quotes.

• Fast Claims: The claims are superfast and this centre has already settled around 96% claims for the private cars. You will receive a 24 x 7 call facility, even on National Holidays. 
• Better Protection with Add-ons: To increase the scope of coverage of your comprehensive plan you can choose suitable add-ons. For Dehradun, You can opt for a “Return to invoice” add-on to prepare yourself to face any probable theft. Also you can go for “Roadside assistance” which will help in case of car breakdown in a hilly road.
• Personal Accident Cover: Fog causes a lot of accidents on the roads of Dehradun. So personal accident cover or PA Cover is a must that will help the family of policyholder in case of any accident resulting in death of the owner-driver or permanent disability.