Go Digit Car Insurance is a four wheeler insurance product offered by Go Digit General Insurance Limited, founded in 2016 by Kamesh Goyal and regulated by IRDAI. The company was recognised as Asia’s General Insurance Company of the Year in 2019 and has sold over 1.2 crore car insurance policies across India. Go Digit offers comprehensive and third-party car insurance, covering accidents, theft, third-party liabilities, and damage due to natural or man-made calamities. As per its latest disclosures, the insurer has cleared over ₹2,900 crores in car insurance claim settlements, with a large share processed within 15 days, reflecting strong operational efficiency and reliability.
Key Features & Benefits of Go Digit Car Insurance
Go Digit Car Insurance offers comprehensive protection with a strong digital-first approach, making policy management and claims simple, quick, and transparent for car owners.
Comprehensive & Third-Party Cover
Protection against accidents, theft, third-party liabilities, and natural or man-made disasters.
Fast Claim Processing
A large share of claims is settled within 15 days, reducing waiting time for policyholders.
Wide Network Coverage
Access to 9,000+ cashless garages across India for hassle-free repairs.
Personal Accident Cover
Coverage of up to ₹15 lakh for the owner-driver.
No Claim Bonus (NCB)
Up to 50% discount on premium for claim-free years.
Digital-First Experience
Easy online policy purchase, renewal, and claim tracking through the Go Digit App.
Claim Process
Smartphone-enabled Claim process that can be done online within 7 minutes.
Coverage Under Go Digit Car Insurance
Like most car insurance companies, Go Digit provides the following types of coverages under car insurance:
1. Digit Third Party Car Insurance
This is Digit’s statutory liability-only plan that protects you against third-party injury, death, or property damage. Digit’s third-party plans feature:
Personal accidents cover up to ₹15 lakh, even under third-party policies.
Fast digital issuance through the app or website.
Premiums are determined by IRDAI norms and engine capacity.
2. Digit Comprehensive Car Insurance
Digit’s Comprehensive Car Insurance all-in-one plan that combines both third-party liability and own-damage cover:
Covers your vehicle for accidents, fire, theft, natural calamities, and man-made risks.
Includes the flexibility to add multiple Digit-specific add-ons (e.g., Engine & Gearbox Protect, Return to Invoice).
Digit customers can customise with 10+ add-on covers for deeper protection.
3. Digit Standalone Own Damage Car Insurance
This policy is designed for car owners who already have an active third-party insurance policy. Digit’s Standalone Own Damage cover protects the vehicle against damage due to accidents, theft, fire, and natural or man-made calamities, without duplicating third-party coverage.
4. Digit Pay As You Drive (PAYD) Car Insurance
Go Digit’s usage-based insurance plan is designed to reduce premiums for low-mileage users:
Premium is linked to actual kilometres driven, enabling savings up to 90% on Own Damage premium with PAYD usage tracking.
Ideal for occasional drivers or secondary vehicles.
Helps policyholders avoid paying for kilometres they don’t drive.
Exclusions Under Go Digit Car Insurance
These are situations and losses that Go Digit General Insurance will not cover under its car insurance plans (comprehensive or standalone own-damage):
Wear and Tear
Regular ageing, depreciation, and routine maintenance of parts such as tyres, brakes, engine components, and consumables are not covered under the policy.
Driving Under the Influence
Any damage or loss occurring while the vehicle is being driven under the influence of alcohol, drugs, or intoxicating substances is excluded.
Driving Without a Valid Licence
Claims are not admissible if the driver does not hold a valid or appropriate driving licence at the time of the accident.
Mechanical or Electrical Breakdown
Failures due to mechanical or electrical faults that are not caused by an insured event are not covered.
Consequential Losses
Indirect losses such as loss of income, depreciation, or delay-related damages are not covered.
War, Nuclear Risks, or Civil Disturbances
Damage arising from war, invasion, civil unrest, nuclear risks, or similar large-scale events is excluded.
Damage Outside Geographical Limits
Any loss occurring outside the geographical area mentioned in the policy is not covered.
Delayed or Improper Claim Intimation
Claims may be rejected if not reported within the prescribed time or if required documents are not submitted.
Unapproved Repairs or Modifications
Repairs done without insurer approval or modifications not declared in the policy are excluded.
Add-ons Not Opted For
Benefits related to optional covers, such as engine protection, zero depreciation, tyre cover, or roadside assistance, are not applicable unless specifically purchased.
List of Add-Ons Available under Go Digit Car Insurance
Go Digit offers multiple add-on covers under its Standalone Own Damage Car Insurance Policy to enhance protection beyond the standard policy. These covers are optional and can be chosen based on individual needs.
1. Consumables Cover
Covers the cost of consumable items replaced during repair in case of partial loss only.
Covered items include
Engine oil
Gearbox oil
Coolant
Brake oil
AC gas and refrigerant
Grease
Filters
Nuts, bolts, screws, washers, clips
Key Conditions
Applicable only when repairs are done at a Digit Authorised Repair Shop
Not applicable in case of Total Loss or Constructive Total Loss
The claim must be reported within 30 days
Fuel is not covered
2. Parts Depreciation Protect Cover
Covers the depreciation amount on replaced parts during repairs.
Key Coverage Details
Covers depreciation on approved parts only
Applicable only for partial loss claims
Tyres and batteries are excluded
Co-payment applies as per policy selection
Limited number of claims allowed per policy year
Repairs must be carried out at Digit Authorised Repair Shop
3. Engine and Gearbox Protection Cover
Covers consequential damage to internal engine and gearbox parts caused due to: Water ingress, Oil leakage, and Undercarriage damage.
Covered Components Include
Engine internal parts (pistons, crankshaft, bearings, etc.)
Gearbox and transmission components
Differential assembly
Lubricants and consumables used during repair
Key Conditions
Only 1 claim allowed per policy period
Damage must be reported within 3 days
Damage must be proven to be due to covered causes
Not applicable in case of Total Loss
4. Breakdown Assistance Cover
Provides roadside assistance within a 500 km radius of the insured’s city.
Services Covered
Flat tyre assistance
Battery jump-start
Minor on-site repairs (up to 45 minutes labour)
Towing to nearest Digit garage
Fuel delivery (up to 5 litres; fuel cost borne by insured)
Spare key assistance
Taxi or hotel accommodation (subject to eligibility)
Limits
5. Tyre Protect Cover
Covers accidental tyre damage such as Cuts, Bulges, and Bursts.
Eligibility Conditions
Applicable only to run-flat tyres
Maximum coverage for up to 4 tyres per policy year
Claim amount depends on remaining tread depth
Reimbursement Scale
≥ 7 mm: 100%
6.5–6.9 mm: 85%
5–6.4 mm: 75%
3–4.9 mm: 50%
< 3 mm: Not covered
6. Return to Invoice (RTI) Cover
Applicable in case of Total Loss, Constructive Total Loss, and Total Theft.
Covers
Ex-showroom price of the car
Road tax
Registration charges
Insurance cost for new vehicle
Cost of insured accessories
Conditions
Claim settled only after final police investigation (for theft)
Applicable only if vehicle is declared total loss
Co-payment applies as per policy terms
7. Daily Conveyance Benefit
Provides travel support when the car is under repair.
Benefits Include
Fixed daily allowance or
Taxi service or
Standby vehicle
Limits
Maximum 2 claims per policy year
Applicable only after time excess period
Coverage valid till vehicle is ready for delivery
8. No Claim Bonus (NCB) on Add-Ons
Applicable if no claim is made during the policy period:
| Claim-Free Years |
NCB (%) |
| 1 Year |
20% |
| 2 Years |
25% |
| 3 Years |
35% |
| 4 Years |
45% |
| 5 Years |
50% |
Conditions are policy must be renewed within 90 days and NCB resets to zero if a claim is made
9. Cancellation & Policy Conditions
Add-ons can be cancelled only if base policy is cancelled
Refund processed as per short-period rate
Policy can be cancelled by the insurer in case of Misrepresentation, Fraud, and Non-disclosure of material facts.
Disclaimer: The following information is taken from IRDAI (GO Digit Add-on Wordings), and is subject to change as per Go Digit’s policy terms. For clear and accurate information, refer to Go Digit Car Insurance Policy Document, website, and IRDAI.
How to Buy Go Digit Car Insurance Online?
Buying your Go Digit car insurance through Coverfox is quick, secure, and completely digital. Follow the steps below to complete your purchase or renewal in just a few minutes:
Visit the Coverfox website and go to the Car Insurance section.
Enter your car registration number to view available Go Digit Plan options.
Verify your vehicle and previous policy details on the next screen.
Provide your policy expiry date and claim history, if any.
Select Go Digit Car Insurance from the list of available insurers.
Choose add-ons or coverage options based on your requirements.
Enter your No Claim Bonus (NCB) details, if applicable.
Review the premium and proceed to make the payment securely online.
Once the payment is successful, your Go Digit car insurance policy document will be instantly sent to your registered email ID.
Go Digit Cashless Garages
Go Digit offers an extensive network of over 9,000 cashless garages across India for both cars and two-wheelers as of 2025. These garages allow policyholders to get their vehicles repaired without paying upfront repair costs, as the insurer directly settles the bill with the garage. Since the network is updated regularly, customers are advised to use Go Digit’s official tools to locate the most accurate and nearest cashless garage at the time of claim.
How to Find Go Digit Cashless Garages?
You can locate an authorised Go Digit cashless garage using any of the following methods:
Go to GoDigit Website
Visit the Godigit official garage locator page and search by city or PIN code.
Go Digit Mobile App
Use the in-app “Locate Garage” feature, which uses GPS to show nearby network garages.
Customer Support Helpline
Call 1800-258-5956 to get assistance in finding the nearest authorised garage.
Go Digit Car Insurance Customer Care & Support
Toll-Free Helpline (24×7)
WhatsApp Support
Email Support
Finding Cashless Garages
Mobile App Support
Disclaimers
* Savings are based on the maximum discount provided on own damage premium as offered by our car insurer partners.
** Price for a basic third-party car insurance for a car under 1000 CC for 1 year policy, set by IRDAI (Excluding GST).
