Digit Zero Depreciation Car Insurance
The zero depreciation add-on by Go Digit General Insurance Limited is a highly beneficial cover for car owners that they can opt for while buying a comprehensive four-wheeler insurance policy.
Read more
Benefits of Digit Zero Depreciation Insurance
During claim settlement, the insurance company deducts the depreciation costs borne by your vehicle over time. However, with Digit zero depreciation car insurance, the policyholder gets the complete claim amount without any deductions. Have a look at the key advantages provided under the zero depreciation add-on:
- Greater Protection: A standard comprehensive vehicle insurance policy offers a specified amount of coverage. However, with the nil dep add-on, you get total compensation for repairs/replacements as depreciation costs are not taken into consideration.
- Long-term Savings: By paying a slightly higher policy premium for a zero dep add-on, your long-term money savings are much higher as the depreciation costs are borne by the insurance company, thereby ensuring significant savings at the time of repair or replacement.
- Cashless Claims: With Digit bumper to bumper cover, you don't have to pay anything for car repairs if they are done in the insurer's authorised network garages.
How to Buy Digit Zero Depreciation Add-on Cover?
Buying car insurance online with a nil dep cover is a simple and quick process and involves the following steps:
- Navigate to Policybazaar.com and select “Car Insurance” from the homepage of the website.
- On the form given, enter your car number.
- Now you would be required to select car details like make/model, variant, RTO, etc.
- From the list of car insurance quotes, select the Digit car insurance plan.
- Under 'Add-ons and Accessories', add the “Zero Depreciation” cover to view the updated policy premium.
- Pay digitally through cards, net banking, or UPI.
- Upon successful payment, you will receive your Digit comprehensive car insurance policy paired with the zero dep add-on via email.
Digit Zero Depreciation Car Insurance Claim Process
You can easily raise a claim under your Digit zero depreciation motor insurance policy by following the steps cited below:
- Promptly inform the insurer about the damages caused to your vehicle in an unfortunate incident.
- Your insurance company then registers a claim under your car insurance policy upon intimation.
- For estimating the repair costs of vehicle damage, a surveyor is appointed for vehicle inspection.
- After the inspection, your insured vehicle is then sent for part repairs/replacement to one of the network garages.
- After the repair work is completed, your insurer directly settles the claim with the garage.
- Since you have a zero dep cover, your insurer pays the complete claim amount without deducting the depreciation.
Documents Required for a Digit Zero Depreciation Car Insurance Claim
Cited below are important documents you need to keep handy to file a claim under your zero depreciation add-on:
- Copy of insurance policy's first 2 pages
- Valid driving licence of the owner/driver
- Car's registration certificate and PUCC
- Duly filled & signed claim form
- Copy of Police FIR (if applicable)
- Original estimate, invoice, and payment receipt for cash/cashless garage
