Go Digit General Insurance Company Ltd., which is one of the leading General Insurance companies in India, was founded by Mr Kamesh Goyal in 2016. The company offers customized products for various sectors, including motor insurance.
Digit car insurance is already gaining popularity for its seamless self-inspection and motor claim process. The company is also emerging as one of the reputable General Insurance providers in India.
|Features||Coverage and Benefits|
|Claim Settlement Ratio||96%|
|Personal Accident Insurance||Up to Rs.15 Lakh|
|Network Garages||Repair Anywhere|
|No Claim Bonus||Yes|
You can avail the following benefits by purchasing a Digit car insurance policy:
Go Digit General Insurance Company offers three major types of motor insurance plans, which are mentioned below:
Being the mandatory car insurance policy, the Digit Liability Only motor policy compensates a policyholder against any third-party liabilities arising due to the insured car. This car policy covers the death and bodily injury of the third party along with damages to third-party property.
In terms of the limit of compensation granted, the insurance company will give 100% compensation in case of the death or injury of a third party. But for third-party property damage, the compensation paid will be up to Rs. 7.5 lakh.
A Standalone own damage policy can be purchased along with a liability-only policy to cover damages sustained by the insured car in events like accidents, natural calamities, manmade calamities, fire, theft, etc. This is because the third party liability policy exempts covering the insured vehicle in case of an unforeseen accident.
The coverage offered by a Digit Standalone Own Damage policy can also be enhanced by purchasing add-ons at an additional premium.
The Digit Private car policy is a comprehensive car insurance policy covering both third-party liabilities and own damages sustained by the insured car. This policy compensates a policyholder against damages to the insured car arising due to events like riots, fire, explosion, earthquakes, etc.
It also covers third-party liabilities arising out of the insured car during a road accident.
Before purchasing a Digit four-wheeler insurance policy, you can also calculate and compare the premium of your motor insurance plan by using a Digit Car Insurance Premium Calculator. It will help you decide whether the policy fits within your budget.
Under the Consumables cover, a policyholder receives compensation for replacing/replenishing consumables used in the insured car in the event of a partial loss.
Consumables include engine oil, screws, nuts, bolts, etc.
A standard car insurance policy does not cover the depreciation sustained by the vehicle at the time of claim.
By purchasing this cover, the insurance company will cover the depreciation on the assessed damaged parts of the insured car in the event of a partial loss of the vehicle.
The Digit pay as you drive offers discounts to policyholders who drive their car less than an average of 15,000 kilometres a year. If the car was driven below the chosen limit, a discount of up to 25 per cent can be availed. However, the discount will be based on annual km and odometer readings.
To avail the benefits of this add-on, a policyholder must also upload 7 photos of his/her car before the current policy expiry date.
With an Engine and Gearbox Protect add-on cover, a policyholder can avail coverage against damages sustained by the engine and its parts of the insured car.
The compensation is offered during events like water ingression, leakage of lubrication oil, damage to the gearbox and undercarriage damages.
Under the Breakdown Assistance cover, the policyholder shall be provided with roadside assistance if the car has become immobilised on the road.
Some services offered under this add-on include flat tyre repairs, a towing facility, medical compensation, fuel assistance, delivery of spare keys, taxi benefits, etc.
Under a Tyre Protect cover, the insurance company will reimburse the amount incurred in repairing or replacing the tyres and tubes of the insured car.
Any damage to the tyres of an insured car is not covered under a standard car policy, so this add-on can be very useful.
In the event of a total loss or theft of the insured car, the insurance company will pay the amount equal to the insured car's invoice value.
The road tax and registration costs are also included in return to invoice add-on cover.
By purchasing this add-on cover, a policyholder is entitled to a fixed daily compensation for commuting when the insured car is undergoing repairs at an authorised garage.
A fixed daily allowance or a standby motor vehicle is offered when the insured car is getting repaired.
Car Key and Lock Protect add-on cover reimburses the policyholder with any expense incurred on repairing or replacing car keys in the event of a total loss, theft or accidental damages sustained by the insured car.
The insurance company will also compensate for the cost of installing a new lock or the lock set in the insured vehicle.
Under the personal belongings add-on cover, the insurance company will compensate against any damage to the personal belongings present in the insured vehicle as a result of an unforeseen peril.
Belongings like laptops, mobile phones, cameras, etc will be covered under this add-on.
For Go Digit car insurance renewal online, visit Policybazaar.com and follow the steps mentioned below:
Once the payment is complete, your Digit car insurance renewal policy documents will be sent to your registered email ID.
You can file a claim under Bajaj Allianz car insurance by following these steps:
Intimate the Insurer
Intimate the insurer as soon as the insured car meets with an unfortunate incident so that a claim can be registered.
Car Inspection Link
Once the claim has been registered, you will receive a self-inspection link on your registered mobile number.
You will be required to click pictures of damages and submit them via the inspection link. Also, make sure to keep the required documents handy for the submission.
The insured car will be sent for repairs, and your claim will be settled based on the mode of claim you have opted. For a cashless claim, the repair amount will be directly paid to the network garage. For reimbursement claims, the insurance company will pay you the repair bill amount after you have settled the bill.
To raise a claim under a Digit four-wheeler insurance policy, you will be required to submit the following documents:
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