Bike Insurance in Darjeeling

Darjeeling, popularly known as the “Queen of the Hills”, is a bustling tourist town in the northernmost region of West Bengal. It is famous for its cosmopolitan culture, and the diverse ethnic groups intermixing and evolving away from their historical roots. Darjeeling has an indigenous cuisine rich in fermented foods and beverages.

However, this region records landslides due to excessive rainfall, earthquakes, and quick erosion caused by torrents. It is a subtropical highland which poses a danger to bike riders who ride the rugged terrains of the mountainous region.

Thus, it is of utmost importance to get a two-wheeler insurance policy at the earliest. Digit Insurance can help you in this regard. We have an online claim settlement process that gets completed in a few steps.

Here are the reasons why you should choose a two-wheeler insurance policy from Digit Insurance.

• Network Garages All Over Country: You can visit any of Digit's network garages if you want a cashless repair. They are located all over India and will repair your vehicle without you having to pay anything. Moreover, these network garages provide a warranty of 6 months on repairs done by them.
• Paperless Claim Settlement Procedure: We provide our customers with the facility to claim two-wheeler insurance plans online via the smartphone-enabled self-inspection process. It is hassle-free, paperless, and does not require filling out any hard copies. The entire procedure is seamless and virtual. Start it by contacting us on the number mentioned on our website. We will send you a link to your registered mobile number. Click on the link and follow the step-by-step guide. Upload pictures of the damaged parts of our vehicle. Then wait patiently; our team will inspect the same and contact you with an estimate. Following that, you can get cashless repairs or a reimbursement based on your preference.
• Customise the IDV of Your Bike: IDV, or Insured Declared Value, is very crucial for any two-wheeler owner. It is the current market worth of your bike and greatly influences the premium and sum insured of the insurance plan. At Digit, we believe in maintaining transparency with our clients. Hence, we provide the option to customise the IDV in bike insurance as per your choice.
• 24-hour Customer Support Team: Our customer care team is efficient and available to help you with any queries related to your bike insurance policy. We help our customers 24/7 and solve their problems even on national holidays. Hence, feel free to call us. We will be happy to serve you.

You can now financially protect yourself with Digit's two-wheeler insurance policies. Some benefits of getting an insurance policy from Digit include:

• Personal Accident Cover: As per the Indian Motor Laws, it is mandatory to get personal accident cover along with two-wheeler insurance. It will give your financial coverage in the following situations:

  • Injuries
  • Permanent disabilities
  • Death caused due to an accident

It also ensures financial stability for your family and takes care of all the medical expenses. In case of fatal accidents, Digit pays the entire sum insured as compensation to the nominee of the insurance plan. 

• Range of Two-Wheeler Insurance Policies: Digit offers three types of two-wheeler insurance. Third-party bike insurance, which covers only third-party liabilities such as injury, death, or property damage. Own damage bike insurance, which covers loss and damage to your own bike, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party bike insurance policy, and lastly, there's comprehensive bike insurance, which covers both own damage and third-party claims.

• Abide by the Law: The Motor Vehicles Act of 1988 mandates you to have at least a third-party cover to protect your finances during third-party collisions. If not followed properly, these are the situations that you might face:

  • For first-time offenders, there will be a hefty fine of ₹2,000.
  • For subsequent offenses, the amount will rise to ₹ 4,000.
  • For repeated violations, 3 months of imprisonment and driving license suspension. 

• Customising With Various Add-Ons: Digit provides a wide variety of add-ons that you can use to enhance your comprehensive bike insurance policy. You just have to pay a nominal amount for the add-ons that will get added to the premium; however, the benefits outweigh the additional price. To explain, if you choose the engine protection cover as an add-on, you can use the same if the engine of your two-wheeler suffers any grave damage. This damage can happen due to leakage of lubricating oil, water regression, and other vehicular damages. It also provides financial coverage for the cost of engine replacement. Apart from this, Digit also provides the following add-ons:

  • Consumable Cover
  • Tyre Protect
  • Breakdown Assistance
  • Zero Depreciation Cover
  • Return to Invoice Cover

Following are the two wheeler insurance add-ons available in Darjeeling:

• Zero Depreciation Cover
• Return to Invoice Cover
• Engine & Gear-box Protection Cover
• Consumable Cover
• Breakdown Assistance
• Tyre Protect
• Daily Conveyance Benefit
• EV Shield Add-on Cover