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Digit Standalone Own Damage Car Insurance

A Digit Standalone own damage car insurance policy is designed to specifically cover any own damages sustained by the insured car due to unanticipated events like accidents, theft, etc. This policy can be purchased with a third-party liability plan to extend the coverage to the car’s own damages.

Categories	Key Features
Own Damage Cover	Yes
Mandatory	No
No Claim Bonus	Yes
Add-on Covers	Offered
Zero Depreciation cover	Yes
PA Cover	Upto Rs. 15 Lakh

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Coverage Under Digit Standalone Own Damage Car Insurance

Inclusions
Exclusions

Losses sustained by the insured car due to fire, explosion or self-ignition
Any loss arising out of theft or burglary of the insured car
Damages to the insured car due to natural calamities like cyclones, earthquakes, lighting, etc
Damages arising out of manmade acts like riots, and strikes, are covered
Claims can also be raised for damages sustained by the insured car while it was in transit via rail, water, air or road
Damages to the insured car in an accident are also covered in the standalone OD policy

Third-Party liabilities such as property damage, death or injury to the third party due to the insured car
Damages caused to the insured car due to drunk driving or driving under the influence of drugs
Consequential damages that happen as a result of an accident
Damages sustained by the insured vehicle when the driver was not carrying a driving license
Mechanical or Electrical failure of the car
Damages sustained by the insured car outside the geographical limits as specified in the OD cover

Add-ons Under Digit Standalone Own Damage Car Insurance

Additional covers can be purchased along with a Digit car insurance to enhance the coverage of the policy. Add-ons offered by Digit General Insurance Company include:

Consumable Cover
Depreciation Protect
Engine and Gear Box Protect
Tyre Protect Cover
Daily Conveyance
Key and Lock Protect
Loss to Personal Belongings
Pay as You Drive Cover
Breakdown Assistance Cover
Return to Invoice Cover

How to Buy Digit Standalone Own Damage Car Insurance Policy?

A car owner can purchase a Digit OD cover along with his/her third-party coverage in just 5 minutes.

Follow the steps mentioned below to purchase a Digit own damage car insurance policy from Policybazaar Insurance Brokers Private Limited:

Visit Policybazaar.com and select the ‘Car Insurance’ tab from the homepage
Enter your car number in the given form and proceed
Now select details like your car’s model, make, variant, registration year and RTO
Fill out the registration form and proceed
From the given OD plans from multiple insurers, select the Digit OD plan
You can view policy details from here itself
You can also select any additional cover that you wish to include in your plan
Check the final premium and make the payment via desired online mode
After successful payment, you will receive your policy documents in your email id.

Documents Required to Raise a Digit Standalone Own Damage Claim

A Digit Standalone own damage car insurance claim can be raised when the insured car has sustained damages in an accident. Apart from informing the insurer, a policyholder also needs to submit the following documents to get his/her claim verified.

Duly filled and signed claim form
OD Car insurance policy documents
Car’s Registration Certificate
KYC details
Repair bills and estimates of repair
Driving License of the driver

FAQs

Q1. Who should get Digit Standalone OD Car Insurance?

Ans: Any car owner who has bought three-year third-party car insurance and wants to extend the coverage to the car’s own damage can purchase the Digit OD policy.
Q2. How can I calculate the premium of my car before purchasing OD cover?

Ans: You can calculate the premium of your car before purchasing an OD cover with the help of a Car Insurance Premium Calculator. This online tool takes into consideration your car’s make, model, variant, and registration year and will calculate OD premium based on these details.
Q3. Can I buy an OD plan from a different insurer?

Ans: Yes, you can purchase an own damage plan from a different insurer after comparing plans on Policybazaar.com.
Q4. Will I get NCB with Digit own damage car insurance?

Ans: Yes. Digit car insurance offers the feature of a No Claim Bonus with its own damage plan. This NCB reward can be used to avail discount on car insurance renewal next year.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in