Two Wheeler Insurance in Rajkot

Being one of the largest metropolitan areas of Gujarat and India, the streets of Rajkot are often filled with heavy traffic. The city is home to many heavy and medium-scale industries.

However, poor traffic management, waterlogging due to massive rains, cyclones and illegal encroachment along the highways often lead to accidents and fatalities.

Therefore, if you are a bike owner in Rajkot, you need to opt for a two-wheeler insurance policy to stay financially protected against the losses and damages caused due to an accident.

Moreover, the Motor Vehicles Act 1988 has mandated a third-party insurance policy for every Indian vehicle owner.

While choosing a trusted insurance provider for your vehicle, you can select Digit. Digit is one of the most reliable insurance providers in India. With Digit, you can choose between various insurance policy plans such as third-party, comprehensive and own damage bike insurance policy.

 Read below to get a detailed idea of all three.

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

• 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

Rajkot is the fourth-largest city in the state of Gujarat after Ahmedabad, Surat and Vadodara. This is in the centre of the Saurashtra region of Gujarat. The city is also the 35th-largest urban agglomeration in India, with a population of more than ~1.8 million as of 2018. 

The city contributes to the economy of the state with heavy and small scale industries under the patronage of Gujarat Industrial Development Corporation (GIDC) and Gujarat State Financial Corporation (GSFC). Industrial products include bearings, diesel engines, kitchen knives and other cutting appliances, watch parts (cases and bracelets), automotive parts, forging industry, CNC machine, auto parts, and diesel engine and submersible pumps, among others.

Challenges faced by Two Wheeler Riders in Rajkot

• Increased accidental rates: According to State Traffic Branch report, two-wheelers were involved in more than 30% of the accidents in Gujrat over the last two years. In 2017, of the 19,081 road accidents, 6,086 involved two-wheelers of which 2,038 were fatal.  Most of these accidents are caused by irresponsible drivers, traffic violations, hit from other vehicles especially from behind and rash driving.
  
• Poor road infrastructure: Road experts reported the presence of faulty road engineering in Rajkot leading to fatal accidents. Police have identified 25 such black spots on national highways passing through Gujarat and 45 black spots on state highways.
  
• Encroachments and settlements around the highways: The illegal settlements across the industrial areas by labour class and immigrants are a major reason for accidents, especially at night for heavy vehicles and other highway users. The major problems are the hindrance of visibility and high speed.
  
• Climatic downfall: Rajkot experiences cloudburst rainfall due to cyclonic circulation resulting in waterlogging and adversely affecting the daily commute. It also leads to wear and tear of the engine, damage to the motor and many a time, washing away of vehicles all together/drowning in heavy floods. Natural calamities like these can be lethal with an increased propensity for major accidents through collision, open manholes and potholes, among others. Additionally, slow-moving traffic causes heavy traffic jams across kilometres within the city with a high propensity to accidents. 
  

The offering is Online and Easy – two simple words to simplify the most complicated term ‘insurance’. Digit offers plans ranging with comparatively the best insurance deals with self-inspection based, hassle-free, super-fast claim process.

The plans are flexible as per your requirements. Example: You can customize the IDV as per your needs before buying the policy.

Choice of bike insurance plans:

• a) Comprehensive Bike Insurance offers holistic cover to third-party liabilities and accidental damages to your own bike as well. It also covers any damage caused through natural calamities, theft, fire, among others
  
• b) Third-party Bike Insurance insures damages & losses caused to a third-party person, vehicle or property, only.