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Digit Pay As You Drive Car Insurance

Digit’s Pay as You Drive plan offers policyholders an extra discount on their policy premium if they drive less than 15,000 km per year. This plan suits seasonal car drivers as they can save on their policy premium by purchasing it from Policybazaar.com.

About Digit Pay as You Drive Plan

The Pay as You Drive plan is a type of comprehensive car insurance plan under which a policyholder can receive a discount on the payable premium of Own Damage Cover. The discount is based on the number of kilometres covered in a year, i,e, 15,000 kilometres.

By purchasing this plan, a policyholder confirms driving his/her car up to the declared kilometre limit. Based on this declared kilometre limit, the payable premium of the car insurance policy is calculated.

How Does Digit Pay as You Drive Car Insurance Works?

The working of Digit Pay as You Drive is different from a standard comprehensive car insurance policy. Here is how this plan works:

Declare Car Usage:

The policyholder needs to choose the kilometre limit as per the usage slab provided by the insurer. Currently, Policybazaar, in association with Digit car insurance, is offering a limit of 15,000 km per year.

Upload Car Photos:

The policyholder will be required to upload 7 photos of the car on the Policybazaar app. Simply log in to the app using your registered mobile number and follow the steps to upload your car’s photos.

Premium Calculation:

The discount on the payable premium will be based on the kilometre covered by the car during the policy period.

Coverage Offered:

Under a PAYD plan, the OD coverage offered will be available till the kilometres limit opted by the policyholder.

How to Buy Digit Pay as You Drive Car Insurance?

If you drive your car less, purchasing a pay as you drive cover can be the best option for you to save on your premium. You can buy the Digit Pay as You Drive plan online from Policybazaar.com by following these steps:

Visit the "Car Insurance" section from the homepage of the website
Enter your car number in the given form
Select RTO, car make, model, variant and registration year from the following few pages
From the given motor insurance plans, navigate to Digit Pay as you Drive plan
Check the kilometre limit offered by the plan and other plan details
Select any add-on that you wish to include in your plan
Select NCB discount on the previous plan
Pay the premium amount, your Digit Pay as you drive plan will be issued.

FAQs

Q1. Will I receive an NCB discount on a Digit Pay as You Drive insurance?

Ans: Yes, you will receive a No Claim Bonus discount for not raising a claim during a policy year. This reward can be used to receive a discount on car insurance renewal in the next policy year.
Q2. Is there any other discount offered on Digit car insurance plans?
Ans: Yes, a policyholder can avail the following discounts on the purchase of Digit car insurance:
- Anti-theft discount
- NCB discount
- Discount on voluntary deductibles
- AAI Membership Discount
- Limited time Early Bird discount on Policybazaar.com
Q3. Will I get third party coverage with the PAYD plan?

Ans: Yes, a pay as you drive plan is a kind of comprehensive car insurance only. The only difference is the kilometre slab on own damage coverage offered under this plan. The rest of the coverage, such as a third party cover will remain active during the policy year.
Q4. What is the duration of a Digit Pay as you Drive plan?

Ans: The third party coverage offered under the plan is active for one year. The OD cover provided will be active until the kilometre limit you have chosen under the plan.

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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