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Digit Third Party Car Insurance

Digit third-party car insurance is a liability-only motor insurance policy that safeguards policyholders against third-party liabilities that may arise due to road accidents. This policy by Go Digit General Insurance Limited offers financial and legal assistance to car owners in case of damages caused to 3rd person or property in an accident involving the insured vehicle.

Benefits of Digit Third Party Car Insurance

A Digit third-party car insurance policy comes with the following benefits for car owners:

Easy and Instant: It takes only a few minutes to buy third-party car insurance online since the process is simple and doesn't involve any vehicle inspection from the insurer.
Protection Against Traffic Fines and Penalties: Digit third-party vehicle insurance complies with the directive of the Indian motor laws, which mandate car owners to opt for 3rd party car insurance to drive legally on roads. You are liable for hefty fines and/or judicial custody if you drive without a valid third-party car policy.
Smooth Claim Process: Go Digit General Insurance Limited has a fast and seamless claim settlement process, ensuring around-the-clock support and speedy resolutions for policyholders.

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Coverage Under Digit Third Party Car Insurance

Listed below are the major inclusions and exclusions under a Digit third-party car insurance:

What is Covered?
What is not Covered?

Compensation of up to Rs. 7.5 lakh for damages caused to 3rd party vehicle or property due to an accident involving the insured vehicle
Compensation to 3rd person in case of an accident leading to bodily injury/death/permanent disability of 3rd person caused by an accident involving the insured car. The compensation amount in this situation is decided by MACT (Motor Accident Claims Tribunal).
Personal accident cover of up to Rs. 15 lakh for the owner-driver of the insured car in case of an accident resulting in death, injury, or disablement.

Any damages to the insured vehicle
Damages or losses due to drunk driving or without a valid driving licence
Any claims arising out of contractual liability
Damages caused as a result of war and nuclear perils, natural disasters, man-made acts, fire, and theft

How to Purchase a Digit Third Party Car Insurance Policy?

Here is the simple process you need to follow to buy car insurance online:

Select ‘Car Insurance’ on the homepage of Policybazaar.com.
Enter your car number to check the prices of different car insurance plans.
Once you select your vehicle details, proceed further to fill out the proposal form.
You will now see a list of numerous four-wheeler insurance plans, among which you need to select Digit third-party car insurance.
Choose the appropriate amount for PA cover, a mandatory add-on in 3rd party insurance.
You can choose from different payment modes, such as cards, net banking, or UPI to pay your policy premium.
Upon successful payment, you will get your four-wheeler insurance documents in your registered email.

Documents Required to Raise a Digit Third Party Car Insurance Claim

You need to keep the below-mentioned documents handy to file a third-party motor insurance claim:

Copy of FIR charge sheet
Duly filled and signed claim form
Valid driving licence of the owner/driver
Car insurance policy documents
Insured vehicle's registration certificate

FAQs

Q1. What is the cost of Digit third-party car insurance?
Ans: IRDAI (Insurance Regulatory and Development Authority of India) decides the third-party car insurance premiums based on the car's engine capacity, and they are subject to change. The current premiums for 3rd party motor insurance are:
- Engine capacity up to 1000cc: Rs. 2,094
- Above 1000cc but not exceeding 1500cc: Rs. 3,416
- Above 1500cc: Rs. 7,897
Q2. Is it necessary to file an FIR in case of a third-party motor insurance claim?

Ans: Yes. FIR is a mandatory document to produce while filing a claim under a third-party car insurance policy.
Q3. What documents do I require to purchase third-party car insurance online?

Ans: Usually, zero paperwork is involved when you buy third-party four-wheeler insurance online. Simply visit Policybazaar.com and navigate to the 'Car Insurance' section. Enter your car number and details to view different policies. Select the desired plan and make the payment. You will instantly receive your policy documents at your email address.
Q4. What happens to my 3rd party car insurance if I sell my car?

Ans: When you sell your car, you need to transfer your existing third-party motor insurance policy to the new owner to make sure that the vehicle stays protected even after an ownership change.

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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