As India's automotive landscape continues to thrive, so does the demand for reliable and comprehensive car insurance. In this dynamic market, Go Digit Car Insurance has emerged as a prominent player, offering innovative solutions and competitive pricing to vehicle owners across the country. This article delves into the world of Go Digit Car Insurance, providing a comprehensive understanding of their pricing structure, coverage options, and the factors that make them a compelling choice for Indian motorists. As we navigate the intricacies of Go Digit's car insurance pricing in India, we will uncover the features that set them apart in this rapidly evolving landscape and help you make informed decisions about your car insurance needs.
| Cashless Network Garages |
5800+ |
| Claim Settlement Ratio |
74.91 |
| Solvency Ratio |
2.01 |
| Claims settled |
90.4% |
| Branches |
100+ |
Here are the top 5 reasons to purchase your Digit car insurance policy from a Digit insurance company without any delay:-
- Cheaper Premiums
- Faster Claim Settlement
- More number of add-ons
- Top-rated company
- Efficient Customer Support.
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Digit Car Insurance Online
Digit car insurance is a type of car insurance policy offered by Digit General Insurance, a private general insurance company in India. The company is known for its innovative and customer-centric approach to insurance, which includes the use of technology to simplify the insurance process and make it more accessible to consumers. Digit car insurance offers a range of coverage options to protect car owners from financial losses in case of accidents, theft, or damage to their vehicles. The company offers comprehensive and third-party insurance policies and add-on covers that can be customized to meet the specific needs of individual customers.
The price of Digit car insurance plans in India varies depending on several factors, such as the make and model of the car, its age and condition, the location where it is registered, and the coverage options chosen by the customer. To get an accurate price quote for Digit car insurance, customers can use the company's online calculator or contact a customer service representative for assistance. The cost of Digit car insurance varies depending on the type of policy that you choose to buy.
Benefits and Features of Digit Car Insurance Policy:-
Buying a car insurance policy with digit comes with a range of benefits and features designed to provide comprehensive coverage and peace of mind for policyholders. Here are some of the key benefits and features of Digit Car Insurance:
- Comprehensive Coverage
- Customizable Policies
- No Claim Bonus (NCB)
- Quick and Easy Claims Processing
- 24/7 Customer Support
- Emergency Roadside Assistance
- Cashless Repairs
- Transfer of No Claim Bonus (NCB)
- Personal Accident Cover
- Zero Depreciation Cover
- Third-Party Liability Coverage
- Online Policy Car Insurance Renewal and Management
- Affordable Premiums
- Discounts and Offers
- Transparent Policies
Digit car insurance policies aim to provide comprehensive coverage, exceptional customer service, and value for money. Policyholders can enjoy peace of mind knowing that their vehicles are protected against various risks, and they have a reliable partner in Digit for any insurance needs.
Digit Car Insurance Prices
The price of Go Digit car insurance policies can vary significantly depending on several factors, including the make and model of the vehicle, its age, the Insured Declared Value (IDV), the geographical location of the insured, the policy term, and any add-ons chosen. On average, premiums for basic coverage such as Third-Party Liability Insurance may start at around Rs.2,000 to Rs.3,000 for smaller vehicles and can increase to Rs.7,000 or more for high-end cars. For Comprehensive Insurance, the cost can range from Rs.5,000 for basic coverage to Rs.30,000 or more for luxury vehicles with higher IDVs. Additional add-ons, like Zero Depreciation Cover or Return to Invoice (RTI) Cover, will incur extra costs. It is important to request a personalized quote from Go Digit Insurance to get an accurate price based on your specific requirements and vehicle details.
1. Third-Party Liability Insurance:
The premium for Third-Party Liability Insurance varies based on factors like the engine capacity of the vehicle and the geographical zone in which it is registered. Premiums typically start at Rs.2,000 to Rs.3,000 for smaller vehicles and can go up to Rs.7,000 or more for high-end cars. The exact premium rates can be obtained from the official Go Digit Insurance website or by contacting their customer support.
2. Comprehensive Insurance:
The cost of Comprehensive Insurance from Go Digit depends on several factors, including:
- Vehicle make and model
- Vehicle age
- Insured Declared Value (IDV) – the current market value of the vehicle
- Geographic location of the insured
- Policy term (typically available in options of 1 year, 2 years, or 3 years)
Premiums for comprehensive insurance can range from Rs.5,000 for basic coverage to Rs.30,000 or more for luxury vehicles with high IDVs.
3. Add-ons and Their Costs
Go Digit offers a variety of add-ons (also known as riders) that can be added to enhance the coverage of the policy. The cost of these add-ons can vary, but here are a few examples:
- Zero Depreciation Cover: Typically, this can add 15% to 20% to the base premium.
- Return to Invoice (RTI) Cover: This can cost around 2% to 4% of the IDV.
- Personal Accident Cover for Passengers: An additional Rs.100 to Rs.500 per passenger.
- Engine Protection: Around Rs.2,000 to Rs.5,000 extra.
- Roadside Assistance: Varies based on the level of assistance required, starting from Rs.500 to Rs.2,000.
4. Different Types of Vehicles and Coverage Options for Digit Car Insurance Prices:
| Vehicle |
Maruti Suzuki Swift (Hatchback) |
Honda City (Sedan) |
Toyota Fortuner (SUV) |
Hyundai i20 (Hatchback) |
| Coverage |
Comprehensive Insurance |
Comprehensive Insurance |
Comprehensive Insurance |
Comprehensive Insurance with Zero Depreciation Cover |
| IDV |
Rs.5,00,000 |
Rs.10,00,000 |
Rs.25,00,000 |
Rs.6,00,000 |
| Geographic Location |
Delhi |
Mumbai |
Bangalore |
Chennai |
| Policy Term |
1 year |
2 years |
1 year |
1 year |
| Premium |
Rs.8,000 |
Rs.24,000 |
Rs.45,000 |
Rs.10,000 + Rs.2,000 |
Please note that these are illustrative examples, and actual premium rates may vary based on specific details and factors. It is essential to obtain a personalized quote from Go Digit Insurance by visiting their website or contacting their customer service for accurate pricing based on your unique circumstances.
Reasons to Buy Go Digit Car Insurance Online
Go Digit offers a comprehensive range of car insurance policies designed to cater to the diverse needs of vehicle owners in India. Some of the key car insurance policies offered by Go Digit include:
- Comprehensive Car Insurance: This policy provides all-encompassing coverage, including protection against accidents, theft, natural calamity, and third-party liabilities.
- Third-Party Liability Insurance: As mandated by law, this policy covers third-party damages, including bodily injury and property damage, arising from an accident involving the insured vehicle.
- Zero Depreciation Cover: Policyholders can opt for this add-on, which ensures that they receive the full claim amount without deductions for depreciation of car parts.
- Return to Invoice (RTI) Cover: In the event of a total loss or theft of the insured vehicle, this cover ensures that the policyholder receives the original invoice price of the car.
- Emergency Roadside Assistance: This add-on provides policyholders with 24/7 support for services like towing, battery jump-starts, flat tire assistance, and fuel delivery.
- Personal Accident Cover: Most policies come with personal accident cover, providing financial protection to the policyholder and co-passengers in case of injury or death due to an accident.
- Voluntary Deductibles: Policyholders can choose voluntary deductibles to lower their premium amounts and share a portion of the repair costs in case of a claim.
Emphasis on Customer-Centric Policies:
Go Digit's commitment to customer-centric policies is a defining feature of the company. They prioritize the customer experience in several ways:
- Simplified Processes: Digit Insurance has simplified the insurance process, making it easier for customers to understand, purchase, and manage policies online.
- Efficient Claims Processing: Digit is known for its quick and efficient claims processing, reducing the stress and time involved in filing and settling claims.
- Transparent Policies: The company is committed to transparency, ensuring that policyholders understand the terms and conditions of their coverage with no hidden charges or surprises.
- Customization: Go Digit offers flexibility in policy customization, allowing customers to tailor their insurance plans to meet their specific needs and budget.
- Digital Accessibility: With a user-friendly online platform and mobile app, customers can access their policy details, make payments, and request assistance conveniently.
- No Claim Bonus (NCB): Go Digit rewards safe driving through NCB benefits, encouraging policyholders to drive responsibly.
Types of Digit Car Insurance Policy
Digit car insurance is of the below types:
- Only Third party car insurance:
Digit third party car insurance policy covers the legal liability arising out of bodily injury or death of third parties involved in an accident with the insured vehicle. In addition to this, it also covers the third party property damage caused due to an insured four wheeler car. The third party liability car insurance is mandatory as per the Motor vehicles Act to ply on public roads without which the driver/owner may be fined up to Rs.5000 or imprisonment up to 3 months or both. The third party digit Car Insurance Premium can be calculated online using the link which includes the personal accident cover to owner driver up to INR 15 L.
- Comprehensive car insurance:
The comprehensive digit car insurance includes the Own damage section as well as the Third party section. Own damage section covers the loss or damage to the four wheeler car due to an insured peril such as Fire, Theft, Act of God, Malicious damage, etc., acting at the time of damage. comprehensive digit car insurance is also known as Full insurance in the market as it covers both the First party as well as the Third party. Digit comprehensive car insurance policy can be purchased from Online Portal by entering the basic details such as Make and model of the four wheeler cars, date of registration, and RTO.
- Comprehensive with Add-ons:
Digit insurance company provides the option of add-ons with comprehensive cover to its customers. There are almost 7 add-ons that can be opted for by the customer at the time of policy purchase. The depreciation shield covers the cost of depreciation on the repair or replacement parts at the time of claim settlement without which the customer would be liable to pay the depreciation costs. Consumables such as Engine oils, Air filters, AC oil, etc., would be replaced at the time of claim and are paid under this add-on. Engine protector covers the loss or damage to the engine due to leakage of oil or water ingression. The keys & Locks section covers the loss or damage to the keys or lock of the car due to an accident as a result of an insured peril. The personal baggage section covers the loss or damage to personal items such as clothing, toiletries, perfumes, books, etc.
| What is Covered? |
Add-ons |
Highlights |
1. Own Damage Section:
- Damage due to Fire, Explosion, Self Ignition or Lightning.
- Burglary or Housebreaking or Theft.
- Damage due to Riot and Strike.
- Malicious damage
- Earthquake including Fire & Shock
- Damage due to Natural peril of Act of God such as Flood, Storm, Hurricane etc.
- Damage due to accidental external means
- Damage due to Terrorist activity.
- Damage caused to the car while in Transit by Rail, Road, and Inland waterway, Lift, Elevator or Air.
- Damage due to Landslide / Rockslide.
2. Third Party Section:
- Legal liability arising out of bodily injury/death of third parties involved in an accident with the insured car.
- Property damage of third parties caused due to an accident involving the insured four wheeler car.
3. Personal Accident Cover:
- Personal accident cover compensates in the event of death or disability of the owner/driver due to an unfortunate incident while traveling on the insured four wheeler car. The compensation under the personal accident cover of Digit car insurance policy would not exceed Rs.15 L.
|
- Parts Depreciation Protect
- Engine & Gear Box Protect
- Consumables Cover
- Breakdown Assistance
- Keys & Locks Protect
- Tyre Protect
- Return to Invoice
- Personal Baggage
- PA Cover for unnamed passengers
- Additional fitments
- Conveyance Benefit
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- Doorstep pickup, repair, and drop with 6-month repair warranty.
- Smartphone-enabled self-inspection for quick claims.
- Purchase digit car insurance online for vehicles up to 20 years.
- Breakdown Assistance for vehicles 500 km away from home.
- Covers for four-wheelers aged up to 5 years.
- Instant policy issuance for four-wheelers.
- Quick endorsements within 24-48 hours.
- Call 1800-258-5956 for claims and breakdown assistance.
- 4600+ garages for cashless claims and pickup service.
- Transfer up to 50% NCB from the previous policy.
- High claim settlement ratio reflects speedy claims processing.
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Digit Car Insurance Claim Process:
Digit has simplified the claim settlement process for its customers. Below is the process of claim settlement with Digit insurance:
Step 1: Claim Registration
The first step in the claim process is to register the claim by calling on the Toll-free number 1800 -258-5956 and registering the claim by mentioning the basic details such as car registered mobile number, date and time of the accident, a brief description of the accident, approximate claim costs, etc. A claim intimation number would be assigned by the Digit claims team which should be quoted for further communications regarding the claim. Digit team will take you through the entire claim process and would assist you in each and every step of the claim settlement process.
Step 2: Repairs
The next step in the car claim settlement process is to take the car to the nearest garage for repairs. Digit has tied up with more than 4600 garages in Pan India to provide cashless service to the customers. This Pan India service can be utilized by anyone and get the repairs done at any part of India. In case of minor damages, the car can be driven to the nearest garage for undertaking repairs, if in case the car is in immovable condition then the towing services can be availed to the car to the nearest garage.
Step 3: Claim Settlement
Digit‘s Doorstep Pickup, choose the mode of Repair and Drop feature allows the customers to get their vehicles picked up by the representatives of the insurance company and are repaired in the garage before being delivered to the customer. Digit insurance company would send an inspection link to the customer to carry out the inspection of the damaged vehicle instead of waiting for the surveyor which could take up to 48 hours depending on the place of the accident.
Documents Required for Digit Car Insurance Claim Settlement:
There are certain documents required to claim for the digit car insurance claim settlement process which is mentioned below:-
Own Damage Claim:
- Original policy copy and Registration copy of the car in the name of the insured. If the name of the insured and the name on the RC don’t match, the claim will be denied by the insurance company.
- Valid driving license of the driver who was driving the car at the time of the accident. The claim would not be settled if the driver doesn’t have a valid license at the time of the accident.
- Claim bills or estimates to be submitted to the insurance company from the garage in case of reimbursement.
- Car engine number and chassis number, Odometer reading would be verified before the claim settlement.
Theft Claim:
- Copy of FIR in case of theft should be submitted to the insurance company.
- Copy of Nontraceable certificate also should be submitted. If the police are not able to recover the car within 90 days of complaint then a Nontraceable certificate would be provided to process the claim.
- All the other documents such as the original policy copy, RC copy should be handed over to the insurance company.
- RC copy should be nullified by intimating the RTO.
- Spare keys of the car should be submitted to the insurance company.
Third Party Claim:
- In case of Third party bodily injury claim, FIR should be submitted and the same needs to be intimated to the insurance company.
- Details of the other vehicle(s) involved in the accident with the insured car should be mentioned in the claim form.
- In case of property damage claim the details of property damage should be mentioned in the claim form.
- All other documents such as original policy copy, RC Copy, Driving license should be submitted to the insurance company.
Digit’s Smartphone enabled link for self-inspection process allows the customer to shoot the damaged parts instead of waiting for a third party to visit and access the loss. Once the damaged parts are shot and uploaded, digit insurance would access the loss and make the payment depending on the mode of repair chosen by the insured customer.
Documents Required for Digit Car Insurance Online Purchase:
There are certain documents required to purchase digit car insurance online from Digit general insurance company. They are mentioned below:-
- Registration certificate of the car to know the Make & model of the car, Year of manufacture of the car, RTO location, Car registration number, etc.
- Previous year policy copy of the car to understand the No claim bonus available, expiry date of the policy, etc.
- Nil claims declaration from a customer in case of No known or reported claims in the previous year.
- You can purchase Digit four wheeler insurance from Online Portal after entering the basic details such as Car registration number, Year of registration or manufacture, RTO location, Make and model of the car, and previous year policy details.
FAQs of Digit Car Insurance:
Is the claim payable if I purchase digit insurance online?
Yes. The claim is payable if you purchase your digit car insurance online. Online is another mode of purchase just like offline purchases from agents or through banks. The claim process is made mostly online and hence the need to visit an office at the time of a claim would be drastically reduced with the Motor on the spot feature of Digit.
If I renew my car insurance with Digit, will my NCB stay intact?
No claim bonus is given to the driver/owner of the car based on the driving behavior and is eligible to be carried forward at the time of renewal. NCB stays intact if you renew your car insurance with Digit even though your previous car insurance was with a different insurance company. No claim bonus becomes zero if there is any reported claim in the previous year.
What is the Sum Insured in Digit Car insurance policy?
The Insured Declared Value (IDV) of the vehicle will be deemed to be the sum insured for the purpose of the policy which is agreed at the commencement of each policy period for the insured vehicle. The maximum liability of the insurance company in case of an accident would not exceed the insured declared value mentioned in the policy copy. The insured declared value will be agreed upon by both parties before the commencement of the risk.
The IDV of the vehicle is fixed on the basis of the Manufacturer’s selling price of any particular brand of car and is adjusted for depreciation each year. The schedule of age-wise depreciation is shown below:-
| Age of the Vehicle |
% of IDV depreciation |
| Not exceeding 6 months |
5% |
| Exceeding 6 months but not exceeding 1 year |
15% |
| Exceeding 1 year but not exceeding 2 years |
20% |
| Exceeding 2 years but not exceeding 3 years |
30% |
| Exceeding 3 years but not exceeding 4 years |
40% |
| Exceeding 4 years but not exceeding 5 years |
50% |
How is deprecation calculated in Digit's car insurance policy?
Depreciation is the decrease in the value of the parts of the car as a result of the wear and tear of the car over a period of time. The depreciation factor is taken into consideration at the time of claim settlement by the insurance company. The percentage of depreciation is different for different parts of the car which are mentioned below:-
| Type of part |
% of Depreciation |
| Rubber/ nylon / plastic parts, tires and tubes, batteries, and air bags |
50% |
| Fibre glass components |
30% |
| Glass Parts |
NIL |
- In the case of painting, a depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of the total painting charges for the purpose of applying the depreciation.
- The rate of depreciation for all other parts including wooden parts would be as per the below table:
| Age of the Vehicle |
% of IDV depreciation |
| Not exceeding 6 months |
NIL |
| Exceeding 6 months but not exceeding 1 year |
5% |
| Exceeding 1 year but not exceeding 2 years |
10% |
| Exceeding 2 years but not exceeding 3 years |
15% |
| Exceeding 3 years but not exceeding 4 years |
25% |
| Exceeding 4 years but not exceeding 5 years |
35% |
| Exceeding 5 years but not exceeding 10 years |
40% |
| Exceeding 10 years |
50% |
How to reduce my car insurance premium with a Digit car insurance policy?
Digit provides special discounts to customers in the below cases and the car insurance premium can be reduced by following the below tips:
- Automobile Association membership reduces the premium to be paid by the customer for car insurance policy.
- Fitting an Anti theft device such as GPS, Steering Lock, Tyre Lock, Burglary alarms etc., can reduce the car insurance premium considerably.
- Opting for higher voluntary deductibles can also reduce the car insurance premium to be paid by the customer.
- Restricting the third party property damage limit can also reduce the premium to be paid by the insured.
What is the grace period in Digit car insurance?
The grace period is the time given to the customer for premium payment to prevent the policy from lapsing thereby giving a chance to the customer to enjoy the benefits of the insurance. Unfortunately in motor insurance, there is no option of the grace period, which means that the car insurance will lapse immediately after the expiry of the policy period and requires pre inspection before the issuance of a new policy.
What is the free look period in Digit car insurance?
Digit car insurance policy has a free look period of 15 days within which the customer can surrender the policy if he/she is not satisfied with the service of the company or the policy is not in accordance with the quote submitted before policy issuance. There would be no penalty for cancellation within the free look period. The free look period is also called as cooling off period.
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Conclusion:
In conclusion, this article has explored the various facets of Go Digit Car Insurance, from its innovative approach to insurance, customizable policies, and commitment to customer-centric services, to the comprehensive price list and real-life customer testimonials that highlight its effectiveness. With efficient claims processing, competitive pricing, and a range of coverage options, Go Digit has consistently demonstrated its dedication to providing a hassle free and transparent car insurance experience. As readers seek reliable and value-driven car insurance solutions, Go Digit emerges as a compelling choice, offering not only financial security but also peace of mind. It is the insurer of choice for those who prioritize transparency, efficient service, and customer satisfaction in their car insurance needs.