Two Wheeler Insurance in Howrah

Situated across the Hooghly River, the city of Howrah is one of the most important districts of West Bengal. The city has an extensive historical significance which dates back to the British era. Additionally, the Howrah railway station is one of the most important stations in India as it acts as a gateway to West Bengal.

Despite being the centre point of transportation, the locals using roads of different parts of Howrah face daily challenges. This is mostly due to the high traffic, adverse road conditions, etc. Hence, it is crucial for two-wheeler owners in Howrah to get a two-wheeler insurance plan.

If you wish to purchase a plan that you can customise as per your requirements, consider relying on Digit. We offer superfast claim settlement process and continuous customer assistance.

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

• 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

Let’s understand the benefits of getting two-wheeler insurance from Digit in Howrah:

• Availability of Multiple Network Garages: If you are choosing the cashless mode of repair for the damaged parts of your bike, you can get the repair done from the network garages of Digit. Our network garages offer numerous facilities, so you can get the repair done without spending any money. Additionally, you will also get 6 months of warranty on all the repairs conducted in any of the network garages.
• Hassle-free Online Claim Settlement Process: The implementation of our smartphone-enabled self-inspection process makes the claim settlement process entirely hassle-free. With the help of this process, the insured receives the claimed amount quickly, thus saving time during emergencies. To start with, simply call us on the number provided to receive a link to your registered number. Then, you need to follow a step-wise procedure to click clear pictures of the damaged portion of your car and send those to us. Our team will get back to you with an estimate once we receive the pictures. Then, you will be able to choose whether to go with reimbursement or a cashless mode of repair. The complete paperless claim settlement process of Digit saves time by eliminating the manual filing of forms and submission of documents.
• 24X7 Customer Assistance: The customer care representatives of Digit are just a call away from answering your queries related to our two-wheeler insurance plans. Moreover, we are available on national holidays, so if you have got any concerns to raise, feel free to call us.
• Option to Customise IDV: IDV or Insured Declared Value is the current market value of your bike or scooter, and it directly affects the premium you pay for your insurance. Moreover, it also impacts the sum insured by the plan. Digit allows you to customise the IDV of your two-wheeler as per your convenience, which promotes complete transparency. This means you can choose higher or lower premiums as per your financial capability.

Here is how the two-wheeler insurance plans of Digit can safeguard your bike or scooter in Howrah: 

• Select From Various Two-Wheeler Insurance Policies

Comprehensive Two-Wheeler Insurance Policy: This insurance plan offers monetary coverage for both personal damages as well as third-party loss. Mainly, it offers protection against damages incurred due to accidents, natural disasters, fire, theft, etc.

Third-Party Two-Wheeler Insurance Policy: This insurance plan imparts coverage against any kind of third-party damages. It is related to the third-party vehicle, person and property.

Own Damage Two-Wheeler Insurance Policy: As the name suggests, this insurance plan only covers damages to your bike due to collisions or accidents.

• Avoid Legal Fines: As per the Motors Vehicle Act, 1988, purchasing third-party insurance for every vehicle owner in India is mandatory. This mandate promotes third-party safety and a sense of responsibility among all bike owners. A violation of this mandate will lead to a fine of ₹2,000 to ₹4,000. Sometimes, it may also lead to the cancellation of your driving license or 3-months of imprisonment. Hence, it is vital for bike owners to purchase a two-wheeler insurance plan.
• Personal Accident Cover: You can always protect the monetary health of your family by getting a personal accident cover from a credible partner like Digit. A personal accident cover will protect the finances of your family during unfavourable events arising out of road accidents.
• Customisable Add-ons: If you choose the comprehensive two-wheeler insurance plan of Digit, you can modify or include add-ons with the plan. Add-ons are the extensive benefits you can get by paying a nominal extra amount. Some notable add-ons you can consider adding to your comprehensive insurance plan include a consumable cover, engine & gearbox protection, return to invoice, etc. For instance, if you are getting the roadside assistance add-on, you will get full coverage for the expenses generated due to a sudden vehicle breakdown while travelling. In addition to this, it includes the expenses of towing services as well. The versatility and reliability that Digit insurance offers to every bike or scooter owner make it one of the reliable two-wheeler insurance providers in Howrah.