Car Insurance in Surat

If you are a vehicle owner in the highly populated city of Surat, it would be beneficial for you to have a car insurance policy. A car insurance plan provides financial protection against any damage caused to your vehicle or to any third-party property or vehicle.

Moreover, the Motor Vehicles Act of 1988 has made it compulsory that all vehicle owners in India must have a third-party insurance cover. Thus, if you are considering getting a car insurance policy, you can opt for Digit Insurance. You can choose between third-party and comprehensive plans as per your requirement.

Know more about Digit Insurance below.

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

• 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

Also goes by the name Suryapur, the city of Surat is the second-largest city in the state of Gujarat. Mainly because of the most populous trade businesses, many people from various backgrounds and races have migrated here.  Not only that but Surat’s culture and art form an inseparable part of this city. The traditional forms of crafts are way too rich and artistically beautiful. People in Surat love to celebrate and most of the major Indian festivals are celebrated over here. Among the lot, Navratri deserves special mention.

On the other hand, this city houses 44.6 lakhs people to make its current population, which is huge. So, the number of vehicles on road is always towards the higher side. As this city is well connected with public transportation like buses and taxis, the roads never sleep. At present, the city records of having 21.88lakh vehicles driving on the road, which includes 2.62 lakhs cars and 17 lakhs two-wheelers. It means that for every two residents in here, there is one vehicle allotted.

Challenges Faced by Car Owners in Surat

• Congestion: The arterial road in CBD houses the most congestion ever for the Surat people. Even though, various measures are taken to do something for that, but in vain. The government sealed down 30 textile go-downs the previous year to ease traffic congestion. Due to high end traffic in some of the working areas, road accidents are way too common. 
• Poor Road Conditions: Worst weather conditions are hitting hard on the road and it is causing some serious issues to the drivers. Surat is known to house a tropical Savanna climate, but the monsoon season is the worst time of the year, especially for the pothole filled roads. With harsh downpour, the road condition deteriorates beyond repair, forcefully leading to accidents.
• Natural Calamities: When you think of Surat, flood is the prime natural calamity that comes to your mind. It means the roads never get the opportunity to actually turn into a safe and smooth ride. Sudden release of huge amount of water from the Ukai Dam makes the conditions worse. 
• Vehicle Theft: Surat is famous for vehicle theft. Few years back, the inter-state vehicle theft network was caught and busted in Surat, which provided a dangerous picture for the car owners. Just a few days ago in the month of October 2019, police arrested three gang members for theft and robbery of vehicles in Surat. So, getting your vehicles insured beforehand is important.

As discussed above the need for the insurance of your car is pretty high in Surat. Lets see how Digit Insurance can help.

• Choice of Insurance: Digit provides three types of insurance:
  • Third-party car insurance: This policy covers damages and injuries to the victim in an accident that is caused by your car.
  • Comprehensive car insurance: This covers the third-party claim as well as the damages to your own vehicle.
  • 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.

• Protect Yourself from Fines: Without a minimum third-party insurance you will be charged Rs. 2000 and/or imprisonment of 3 months. So a third-party car insurance from Digit can save you from getting fined and will cover the third party damages as well.
• Have a Comprehensive Car Insurance and Fight Natural Calamities: As Surat is a flood prone area, any car owner will not be at peace of mind during monsoon. So if you have a comprehensive car policy then you need not be worried about any damages during floods. It can be customized with add-ons like “Engine protection” to save your engine during monsoon.
• Super-Fast Claim: As everything is online, the claim is settled after an online verification.
• Low Premium: As no middlemen or agents are involved in Digit Policies the premium is low minus their commission.