Surat, located in the western Indian state of Gujarat, is now the commercial and economic centre of South Gujarat. It is also one of the largest urban areas of western India and is known for its textile industries.

Despite being economically developed, the city is plagued with poor transport management, rampant vehicle theft, etc. Monsoon plays havoc leading to urban flooding. All this contributes to accidents and regular traffic snarls.

Hence, if you are a bike owner in Surat, consider getting a two-wheeler insurance policy at the earliest. 

If you are looking for an insurance provider, then you can opt for Digit Insurance. With Digit, you can get comprehensive cover, own damage, and third-party insurance policies to protect your finances from unforeseen mishaps.

Apart from this, you can also get customisable add-ons like zero depreciation cover, breakdown assistance, tyre protection, etc.

Keep reading for further information.

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

• 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

Surat is a city which is famous for its textile industry. The city encompasses silk textiles, cotton mills and Surat zari craft, and is considered the textile hub of the nation. Befittingly it has been dubbed the Silk City of India. It is also the largest centre for man-made fibre in the nation. Along with textile, diamond cutting and polishing is another industry that has been thriving in this city.

The presence of these industries is a lure for employment seekers and as such many migrate to this city for better employment opportunities. Surat will be one of the world's fastest-growing cities from 2019 to 2035 according to a study conducted by Economic Times.

All these factors have pushed the roads to their limits by the vehicles thronging the transportation system here.

Challenges faced by Two Wheeler Riders in Surat

• Poor road infrastructure leading to fatal accidents: Lack of proper administration and investment in the development of road infrastructure have lead to severe adversities and fatal accidents within the city. In one of the recent accidents registered in Surat in Sept. 2019, two men on a bike died on the spot after their bike skidded over multiple potholes on NH-48. Gujarat, as a whole, registered 19,081 road accidents in 2017 of which 7,289 were fatal according to the report presented by Commissionerate of Gujarat.
  
• Climatic drawbacks for riders: Heavy rains in Surat, usually leads to flooding of the rivers, causing great damage to vehicle property and road infrastructure. Natural calamities like these can be lethal with an increased propensity for major accidents through collision, open manholes and potholes, etc.
  
• Heavy commercialization of the city: Surat being an industrial hub, attracts mass movement of heavy vehicles all the year-round within the city, both on the narrow roads and on the highways. Commutation becomes even worse with the presence of poor worker/labour encroachments across industrial zones.
  
• Theft: The busy city thronging with vehicles makes it difficult for drivers to find a proper parking space. Often the lack of parking spaces forces drivers to park their vehicles in unsafe areas. Nicking a vehicle from these shady areas is a very easy task for the thieves. Two-wheelers general fall prey of unprotected parking spaces, irresponsible locking, etc. 
  

Types of Bike Insurance Plans available:

• Comprehensive Bike Insurance offers holistic cover to both third-party liabilities and damages to your bike. It covers any damage caused by natural calamities, theft, fire, among others.
  
• Third-party Bike Insurance covers damages & losses caused to a third-party person, vehicle or property when you are at fault.

Know more about Own Damage Bike Insurance.