Two-Wheeler Insurance in Ludhiana
Ludhiana is the largest city in Punjab and has an area of 301 square feet. The capital of Punjab is Chandigarh and Ludhiana is approximately 98 kilometres from Chandigarh.
Ludhiana has a well-connected transport system. Many people use cars for commuting on an everyday basis. The number of two wheelers on the road has also increased a lot. It is very easy to ride two wheelers and people often buy them to avoid traffic congestion.
According to the Motor Vehicles Act, 1988, individuals who own two-wheelers must have a valid insurance policy. In case riders are found without a two-wheeler licence, they will be fined as per the prevailing traffic laws.
It is highly advisable that people get comprehensive insurance policies for themselves. Under certain circumstances, when problems arise due to damage caused to other riders in an accident, the third-party two-wheeler insurance policies can be of great help. It takes care of all third-party damages.
Two-Wheeler Insurance Policy Add-Ons in Ludhiana
The various add-ons that you can opt for in case you purchase a two-wheeler insurance policy in Ludhiana are mentioned below:
- EV Shield Add-On Cover
- Daily Conveyance Cover
- Tyre Protect
- Breakdown Assistance
- Consumable Cover
- Engine & Gear-Box Protection Cover
- Return to Invoice Cover
- Zero Depreciation Cover
Different Two-Wheeler Insurance Policies in Ludhiana
There are three different types of insurance policies that can be availed by an individual:
- Third-Party Insurance
- Comprehensive Insurance
- Standalone Own Damage Plan
Differences between Own Damage, Comprehensive, and Third-Party Insurance
The main differences between third-party, comprehensive, and own damage insurances are mentioned in the table below:
Category | Own Damage | Comprehensive | Third-Party |
Add-Ons | Yes | Yes | No |
Customise IDV | Yes | Yes | No |
Theft of Two-Wheeler | Yes | Yes | No |
Death/Injuries to Third-Party | No | Yes | Yes |
Personal Accident Cover | No | Yes | Yes |
Third-Party Property Damage | No | Yes | Yes |
Third-Party Vehicle Damage | No | Yes | Yes |
Losses/ Damages due to natural calamity (own vehicle) | Yes | Yes | No |
Losses/ Damages due to fire (own vehicle) | Yes | Yes | No |
Losses/ Damages because of an accident (own vehicle) | Yes | Yes | No |
Different Two-Wheeler Insurers in Ludhiana
Some of the popular two-wheeler insurance plans are:
- Go Digit Two-Wheeler Insurance
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