Kozhikode is one of the major economic hubs and the second largest metropolitan area in Kerala. A large number of industries, banks and IT parks are located in this city. Apart from the growing population and an increasing number of vehicles, the city witnesses rampant traffic violations and heavy monsoon rainfall that lead to congestion and traffic snarls.

There are frequent incidents of accidents, urban flooding, and mishaps.

If you are the owner of a two-wheeler in Kozhikode, you must have a bike insurance policy. It will safeguard you from unnecessary financial loss in the event of an accident or loss due to any natural calamity.

In case you are looking for a two-wheeler insurance policy, you can stop your search and try out Digit. We give you the option to customise your policy with the help of add-ons.

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

• 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

When you purchase a two-wheeler insurance policy from Digit, you get the following advantages:

• Customise the IDV of Your Bike: The IDV, or Insured Declared Value of your two-wheeler, has a profound impact on the sum insured and premium of your bike insurance policy. Hence, Digit allows you to customise the IDV of your two-wheeler according to your preference. We believe in transparency and thus provide our clients with this benefit. However, make sure to select your bike’s IDV carefully. This is because a higher IDV will translate to a higher sum insured and more policy premium.
• Settlement of Claims Online: Digit’s online claim settlement process allows you to claim your insurance policy via a smartphone-enabled self-inspection process. It saves you a lot of time and negates the need for any paperwork. Simply call us and wait for a link to your registered contact number. Then, follow the step-wise guide and upload pictures of the damaged sections of your bike or scooter. After this, our team will look into the matter and get back to you with an estimate. Then, based on your preference, you can opt for a Reimbursement or Cashless Repairs. This fast and easy process helps us maintain a high claim-settlement ratio for bike insurance.
• Continuous Customer Assistance: Our customer assistance executives are available 24/7 to take your calls. They will solve all your doubts regarding your two-wheeler insurance policy. Furthermore, they will help you out even if you call on a national holiday.
• Network Garages for Cashless Repairs: Digit has thousands of network garages all over India. When you choose Cashless Repairs while claiming your two-wheeler insurance policy, you can take your damaged bike to one of these garages. They will get your two-wheeler repaired without any additional spending from your end. Moreover, our network garages also provide you with a warranty of 6 months on all their repair works.

These are the ways a bike insurance policy from Digit can save your two-wheeler in Kozhikode:

• Personal Accident Cover: By law, it is mandatory for you to get a personal accident cover when opting for a motor insurance policy. It will provide you with financial coverage in case of death, permanent disabilities or injuries during an accident. The PA cover has to be bought in the name of the bike owner. If the bike owner dies due to an accident, his/her nominee will get the sum insured as compensation.
• Opt for a Two-wheeler Insurance Policy of Your Choice: Digit offers three types of bike insurance policies:

Third-Party Two-Wheeler Insurance – This insurance policy provides financial cover for damages by your bike to third-party individuals, vehicles and properties. 

Comprehensive Two-Wheeler Insurance – A comprehensive two-wheeler insurance plan provides financial coverage for damages to your two-wheeler and third parties in the event of an accident. 

Own Damage Two-Wheeler Insurance – An own damage insurance plan financially covers damages to your own two-wheeler. It comes in handy when you already have a third-party insurance cover and want financial coverage for your bike or scooter in the event of an accident. What’s more, you can opt for Digit’s own damage two-wheeler insurance plan even if you have a third-party bike insurance policy from a different vendor.

• Avoiding Fines: According to the Motor Vehicles Act of 1988, it is essential for every vehicle owner to have at least a third-party insurance cover. If you ride your bike without a valid insurance policy, there is a hefty penalty of ₹ 2,000. In addition, if you repeat this offence, the fine will rise to ₹ 4,000. The authorities may also decide to suspend your driving licence and punish you with 3 months of imprisonment.
• Customising Your Policy With Add-ons: When you buy a comprehensive bike insurance policy, you get the option to purchase add-ons to enhance its coverage. They come at nominal extra expenses but are really useful in a variety of situations. A great example of add-ons is the return to invoice cover. Let’s say your bike or scooter gets damaged beyond repair in the event of an accident. In such cases, we will pay the entire amount mentioned on the invoice to help you deal with the loss. Furthermore, you can also opt for Zero Depreciation cover. If you have this add-on in your bike insurance policy, we will bear the depreciation costs for you. So, you will get a higher compensation amount.