Buy/Renew Two Wheeler Insurance Policy Online in Jamnagar
Jamnagar is a major commercial hub of Western India known for its major oil refineries and petrochemical plants. Despite being a planned city, Jamnagar suffers from poor traffic management and constraints on infrastructure.
Bike theft, fatal accidents and poor road conditions are some of the major factors that lead to mishaps and accidents. So, as a bike owner in Jamnagar, you need to buy a two-wheeler insurance policy. This policy will provide coverage for costs incurred due to unforeseen mishaps, theft, etc.
Also, the Motor Vehicles Act of 1988 mandates that vehicle owners have at least third-party bike insurance.
Digit is a reliable insurance provider offering two-wheeler insurance plans. You can choose from Comprehensive bike insurance and Own Damage bike insurance policies.
To know more about the benefits of Digit insurance policies, read on.
Why Choose Two Wheeler Insurance by Digit?
Your bike insurance not only comes with a super easy claim process, but also with the option to choose a cashless settlement
Two Wheeler Insurance Plans in Jamnagar
Third Party
Comprehensive
Own Damage
Damages/Losses to own two-wheeler due to an accident |
×
|
✔
|
✔
|
Damages/Losses to own two-wheeler in case of fire |
×
|
✔
|
✔
|
Damages/Losses to own two-wheeler in case of a natural calamity |
×
|
✔
|
✔
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
Personal Accident Cover |
✔
|
✔
|
×
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
Theft of your scooter or bike |
×
|
✔
|
✔
|
Customize your IDV |
×
|
✔
|
✔
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party two wheeler insurance
Two Wheeler Insurance Add-ons Available in Jamnagar
Following are the two wheeler insurance add-ons available in Jamnagar:
Key Features of Two Wheeler Insurance by Digit
Key Features |
Digit Benefit |
Premium |
Starting from ₹714 |
No Claim Bonus |
Up to 50% Discount |
Customizable Add-Ons |
8 Add-ons available |
Cashless Repairs |
Available at 4400+ Garages |
Claim Process |
Smartphone-enabled Claim process. Can be done online within 7 minutes! |
Own Damage Cover |
Available |
Damages to Third-Party |
Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages |
How to Buy/Renew Two Wheeler Insurance with Digit?
Step 1
On the Digit App or website, enter bike’s registration number, select the policy status and click on ‘View Prices’.
Step 2
Select the plan, add-ons and click on ‘Continue.’
Step 3
Enter your personal, nominee and vehicle details and click on ‘Pay Now.’
Step 4
Complete the payment and mandatory KYC verification process.
Step 5
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
How to file a Claim?
After you buy or renew our two wheeler insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Step 1
Just call on 1800-258-5956. No forms to be filled.
Step 2
Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.
Step 3
Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.
How fast are Digit Insurance Claims Settled?
This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!
Read Digit’s Claims Report CardMore about Two Wheeler Insurance in Jamnagar
Jamnagar, a city in the state of Gujarat, is well known for the world’s largest oil refining and petrochemical complex set up (by Reliance Industries) and India’s second-largest private refinery set up– Nayara Energy Refinery, in the city. The city is highly commercial and is an important port for export/import of brass parts, refined petroleum goods, bauxite and textile.
Challenges faced by Two Wheeler Rides in Jamnagar
- Mobility and congestion issues: Jamnagar is a planned city, yet has constraints in terms of infrastructure currently. Secondly, increased economic conditions and social demographics have further elevated the traffic congestion in the city, especially near the corporate parks and market areas. It’s funny that the city defines its name in a way, Jam-Nagar!
- Frequent road accidents: With increasing bumper-to-bumper traffic conditions, the accident rate is ever high in Jamnagar. Illegal human settlements and encroachments on the busy roads along with illegal parking make it further risky and fatal for bike riders.
- Poor traffic management: Most of the busy areas in Jamnagar still do not have proper traffic signals or traffic constables. The mismanagement is a huge reason for accidents in the area especially at night when bike riders or any other vehicles do not care about the signals anyway.
- Bike theft: Lack of proper parking areas and narrow lanes across the city have increased the frequency and chances of vehicle theft manifolds. Police have reported more than 15,000 cases of vehicle theft in a recent couple of years in the city. It is also supported by technical advancements in robbery proficiency which would not be eradicated even if u lock your bike or use the automatic locking mechanism.
Why Choose Digit for Two Wheeler Insurance in Jamnagar?
Digit offers insurance plans with no hidden clauses, jargon-free documents and easy to understand language for a simple process. As it is online and free from middlemen, it saves time and money. It suits the Gujarati interest of ‘time is money’ concept. The self-inspection based superfast claim process add to other benefits.
- Types of two-wheeler insurance available:
- a) Third-party Bike Insurance insures damages & losses caused to a third-party person, vehicle or property when you are at fault. But this policy is not able to cover the damages to your two-wheeler.
- b) Comprehensive Bike Insurance offers holistic cover to both third-party liabilities and damages to your own bike. It helps to recover your two-wheeler from any damage caused by an accident, fire, theft, vandalism or natural calamity.
- Avoid heavy fines: Third-party bike insurance in India is a legal obligation. If you ride your bike in the absence of insurance, then you may suffer penalties of ₹2000 for the first offence and ₹4000 for the subsequent offence. Also, imprisonment of 3 months may be imposed. So make sure that your bike is insured before you hit the roads. So if your intent is to be law-abiding and spend the least on insurance then you may opt for a stand-alone third-party plan. But keep in mind that you will get no cover for your own bike.
- Ride tension-free with comprehensive policy: In terms of several challenges, the comprehensive bike insurance plan is the best option for two-wheeler owners in Jamnagar to safeguard against any unforeseen events, be it damages due to bumper to bumper traffic, accidents, or theft. Again this plan can be tailor-made to improve the scope of basic overage with the help of add-ons.
- Add-ons suitable for Jamnagar: Add-ons are available at separate costs over the base plan. Considering the vehicle theft issue in Jamnagar, the “Return to invoice” add-on will be the most appropriate. With this, the on-road price will be returned to you in case of a theft. A “Zero depreciation” cover offers omission of vehicle depreciation costs while calculating the total amount payable during a claim. So this will help your royal bike in not losing its charm. Other add-ons available are Roadside assistance, Engine and gearbox protection, Consumable Cover, Personal accident cover, etc. You can add them to your plan as per requirement.