Digit Standalone Own Damage Car Insurance

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Digit Standalone Own Damage Car Insurance
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  • 96% Claim settlement ratio

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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.

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      Key Features of Digit Standalone Own Damage Car Insurance

      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

      Coverage Under Digit Standalone Own Damage Car Insurance

      • 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 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 alongwith his/her third-party coverage in just 5 minutes.

      Follow the steps mentioned below to purchase a Digit Standalone 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


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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *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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