Noida is a busy city located in Uttar Pradesh, close to New Delhi. It is a satellite city of Delhi and is part of the Delhi NCR. Noida sees massive traffic congestion due to a high number of vehicles, unmanned auto parking, bus halts, etc. The heavy fog in winter often leads to major accidents.

As a bike owner in Noida, you need to get a two-wheeler insurance policy. A two-wheeler insurance policy provides financial cover in the event of an accident, damage or theft. This is not only for safeguarding yourself financially but also for avoiding any legal complications.

The Motor Vehicles Act of 1988 has made it essential for every vehicle owner to have a third-party insurance plan.

In case you are searching for a two-wheeler insurance plan in Noida, look no further than Digit. Digit has an online claim settlement process that you can complete via your smartphone. Read on to know more about what Digit offers to its policyholders.

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

• 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

Noida is a planned city under the management of the New Okhla Industrial Development Authority (also called NOIDA) in Uttar Pradesh. It is a satellite city of Delhi and is a part of the National Capital Region of India. Geographically, Noida is located in Gautam Buddh Nagar district of Uttar Pradesh state in proximity to NCT of Delhi.

The district's administrative headquarters are in the nearby town of Greater Noida. The city faces severe traffic issues much alike its neighbouring cities Delhi and Gurgaon.

Challenges faced by Two Wheeler Owners in Noida

• Intense fog issues and low visibility: Noida has one of the worst air quality index (AQI) in the world, crossing even an AQI of 499, whereby anything above 400 is considered severe. These are due to rampant garbage burning in the open, and heavy vehicular movement within the city. Another major reason is the innumerable construction works which accumulate cement and debris and increases the PM 2.5 (fine particular matter). Due to its proximity with Haryana and Punjab, the stubbles are burned to clear irrigational land. This creates immense smoke and results in thick black fog in the nearby states. Despite the government’s efforts of regular water sprinkling, the adversity with almost no visibility due to these fog is high. During winter seasons, the conditions worsen, leading to visibility as low as 50m which poses serious threats to drivers.
  
• Presence of unmanned bus halts and auto parking: In April 2019, Noida police authorities seized 23 buses that were dropping and picking up passengers from the middle of the road, under the Mahamaya Flyover along the Noida-Greater Noida Expressway. Auto-rickshaws plying along the NH-24 were also seized for similar violations.  The lanes are overcrowded with autos and their repeated traffic violation for on-road drop and pick up causes severe traffic congestion with a high risk of accidents.
  
• High death tolls: According to the data, Noida in 2018 witnessed 659 road accidents, 1,388 injuries and 111 deaths, against 763 accidents, 1,426 injuries and 146 deaths on the expressway, in 2017.  The major accident spot was linked to the Delhi-Agra highway with 357 reported accidents. Another major spot is the Yamuna Expressway highway with 280 accidents reported. These high numbers throw caution in the air to the drivers cruising down these highways at high speed.
  

Digit cannot solve the infrastructural or pollution issues of Noida but can for sure safeguard you (as a two-wheeler owner) against any odds created out of these problems. The company offers a complete end-to-end online bike insurance solution with easy claim settlements which can all be completed even with a smartphone. 

A wide array of garages where you can opt for cashless service. The simple and easy-to-understand documents along with no hidden charges will help you weed out the middlemen while buying insurance with Digit.

Choice of bike insurance plans in Noida:

• a) Comprehensive bike insurance: The comprehensive bike insurance plan covers all the expenses incurred to own damage and third party (person or property) along with coverage against all the damages and losses due to natural disasters, fire and theft.
  
• b) Third-party bike insurance: This policy pays for the third-party loss when you are responsible for an accident in which they suffer from bodily injury or property damage. It is mandated to have this insurance policy as per the Motor Vehicles Act.
  
• Avoid penalties with Third-party Insurance: As per the amendment in the Motor Vehicle Act in September 2019, if you are caught riding an uninsured bike then a hefty penalty of Rs.2000/- and/or imprisonment of 3 months will be imposed and the licence may get cancelled.
  
• An all-rounder comprehensive plan: For a city infested with severe road-accidents, even if you are a cautious driver, accidents can happen due to other’s negligence. Natural calamities like flood and issues like fire and intense fog in Noida are also beyond our control. For a notorious place like Noida, theft can also pose a serious challenge. A comprehensive plan can safeguard you against all these aforementioned issues.
  
• Add-on grip for a smoother experience: Having to snake your way through heavy traffic can leave your vehicle with dents and damages. If your bike is new then the Zero Depreciation cover is the most recommended as it will nullify the depreciation in the filing of a claim. Engine and Gear Protection cover will cover the accidental damages to the engine and gearbox of your bike in every possible situation. To be on the safe side, you can also opt for the Return to Invoice cover for when your bike is stolen or is totalled in an accident.