The Digit car insurance policy offers car owners a range of insurance benefits to get adequate coverage against unforeseen emergencies like road accidents, theft, fire, calamities, etc. The motor policy offered by Go Digit General Insurance Company also compensates against third-party liabilities caused by the insured car. The coverage of a Digit car insurance policy can also be enhanced with the help of add-ons.
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Go Digit General Insurance Company Ltd., one of India's leading General Insurance companies, was founded by Mr Kamesh Goyal in 2016. The company offers customised insurance 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 India's reputable General Insurance providers.
Features | Coverage and Benefits |
Third-Party Coverage | Yes |
Claim Settlement Ratio | 96% |
Personal Accident Insurance | Up to Rs.15 Lakh |
Network Garages | Repair Anywhere |
No Claim Bonus | Yes |
No. of Zero Dep Claims | 1 or 2 (mentioned in policy pdf) |
No. of Comprehensive Claims | Unlimited |
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 car policy compensates a policyholder against any third-party liabilities arising from 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 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, road accidents 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 your motor insurance premium using a Digit Car Insurance Premium Calculator. It will help you decide whether the policy fits within your budget.
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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 car insurance 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 on OD premium 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. The discount on the premium will be given based on the average kilometre driven in a policy year.
With an Engine and Gearbox Protect add-on cover, a policyholder can avail coverage for damages sustained by the car’s engine and its parts.
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 if you have included this addon in your policy.
The road tax and registration costs are also included in the return to invoice add-on cover.
By purchasing this add-on cover, a policyholder is entitled to a fixed daily compensation for transportation 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 you for installing a new lock or 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 by 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 Digit car insurance claim with the help of the steps mentioned below:
Intimate the Insurer
Intimate the insurer as soon as the insured car meets with an unfortunate incident to register a claim.
Car Inspection Link
Once the claim has been registered, you will receive a self-inspection link on your registered mobile number.
Submit Pictures
You will be required to click pictures of damages and submit them via the inspection link. Also, make sure to keep the necessary documents handy for the submission.
Claim Settled
The insured car will be sent to the network garage for repairs, and your claim will be settled based on the mode of claim you have opted for. 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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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
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