Go Digit Car Insurance

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Go Digit Car Insurance

"Digit car insurance is a prominent four wheeler insurance plan offered by Go Digit General Insurance. Over the years, the insurer has achieved considerable reach in the market and has been awarded Asia's General Insurance Company of the Year 2019. The two types of car insurance plans offered by Go Digit are third party and comprehensive car insurance The insurer has a good track record of claim settlement (as per the company’s report, 72.4% of the claims settled are within 15 days). You can cover your car with digit car insurance for a premium amount as low as Rs. 2072."

(Note - All the information contained in this page has been sourced from the official website of Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.)

Key Benefits - Go Digit Car Insurance

  • Super-fast claims: As per data from the company’s website, it has settled 90.4% claims in 30 days.
  • Advance cash for repair: Policyholders can get their cars repaired from a garage of their choice.
  • Doorstep pickup and repair; The company ensures doorstep pickup, repair and drop with six months repair warranty.
  • 24*7 support: 24*7 call facility is available.
  • Smartphone-enabled Self Inspection: To file a claim, all that one needs to do is take pictures of the damage on the smartphone and forward the same to the insurer.
  • High IDV per rupee: Policyholders can customize IDV as per their choice.

Its Simple and Instant

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Types of Go Digit Car Insurance Policy

There are two kinds of car insurance policies available - Third Party Liability Only Car Insurance Policy and Comprehensive Car Insurance Policy.

Third Party Liability Only Car Insurance Policy

Damage to Third Party vehicle or property. In case of physical damages, the limit of liability here is up to Rs. 7.5 lakhs. In case of injuries, there will be no such limit to the liability.

What will not be covered under Third Party Liability Only Car Insurance Policy?

  • Damage to own vehicle as a result of accidents, fire or natural calamities
  • Injury to owner-driver
  • Theft or Total Loss of Vehicle
  • Add-ons such as Return to Invoice, Zero Depreciation, etc. are not available

Comprehensive Car Insurance Policy

The primary difference between a comprehensive car insurance policy and a third-party liability only is that the former covers ‘Own Damages’ as well. Own damages refer to the damage sustained by one’s own vehicle. It will cover:

  • All the benefits of Third Party Insurance
  • Along with cover for damage to own vehicle as a result of accidents, fire or natural calamities.
  • Along with cover for incidents like injury to owner driver
  • Along with cover for theft and complete loss of vehicle

Add-on Features - Go Digit Car Insurance

The add-ons offered by Go Digit are as follows:

  • Zero Depreciation cover (also called bumper-bumper or parts depreciation cover): When a vehicle is damaged, the complete cost of replacement is not given since depreciation gets deducted from the claim amount. However, with this add-on, the policyholder will get the full value of cost of repair or replacement provided. This is better suited for cars that are less than 5 years old.
  • Return to Invoice : This add-on will allow the policyholder to get the ex-showroom price or last invoice value in case the car gets stolen or is completely damaged. Return to invoice covers the gap between the IDV and the car's invoice value. IDV is lesser than the invoice value on account of depreciation that occurs over the years.
  • Engine and Gear-Box Protection: A comprehensive car insurance policy does not cover engine damage, unless the damage occurs at the same time as the accident. With this add-on, a consequential damage to the engine will be covered. For example - if a policyholder's car is towed roughly, causing damage to the engine or gearbox, this add-on will cover the repair cost.
  • Breakdown Assistance cover: This add-on provides 24*7 road assistance for one's car up to 500 kms from the city. It covers situations like flat battery or tyre, minor repairs, accommodation benefits, medical coordination, legal assistance and towing facilities.
  • Tyre Protect cover: This add-on covers common situations where an accidental damage occurs to only the tyre and not the car. It covers instances like tyre bursts, bulges or cuts, which causes the tyre to be unfit for use.

Discounts offered - Go Digit Insurance

Policyholders are entitled to a No Claim Bonus (NCB) if no claim has been made or pending during the preceding year(s). The NCB applicable is as follows:

Period of Insurance % of NCB Premium
No claim made or pending in the preceding full year of insurance
20%
No claim made or pending in the preceding 2 consecutive years of insurance
25%
No claim made or pending in the preceding 3 consecutive years of insurance
35%
No claim made or pending in the preceding 4 consecutive years of insurance
45%
No claim made or pending in the preceding 5 consecutive years of insurance
50%

Its Simple and Instant

Reasons for Choosing Go Digit Car Insurance

  • Easy claim process: The entire claims process for car insurance is simple. Policyholders need to follow the below steps for filing a claim with Go Digit General Insurance:
    • 1: Call the customer service of the insurance company.
    • 2: A link will be sent for self-inspection on the policyholder’s registered mobile number.
    • 3: Take pictures of the damages from the smartphone and forward it to the company.
    • 4: The insurance company’s team will assess the damages and get back with an estimate.
    • 5: The policyholder can then choose the mode of repair he or she would like to opt for - Advance Cash or Cashless.

    Advance cash for repair: To avail advance cash before the repair work begins, here’s what one needs to do:

    • 1: Call the customer service of the insurance company.
    • 2: A link will be sent for self-inspection on the policyholder’s registered mobile number.
    • 3: Take pictures of the damages from the smartphone and forward it to the company.
    • 4: The insurance company’s team will assess the damages and get back with an estimate.
    • 5: The policyholder will receive cash in his or her bank account to start with the repairs.

    Go Digit Car Insurance (Inclusions and Exclusions)

    What’s Covered?

    • Accidents: Covers common damages to own car, like accidents and collisions.
    • Theft: Covers theft of vehicle.
    • Fire: Covers common damages due to fire.
    • Natural Disasters: Covers damages caused by any natural disasters.
    • Personal Accident: Covers liabilities arising in the instance a car accident leads to death or disability of the owner.
    • Third Party Losses: Covers damage caused by the policyholder's car to another person’s car or other property.

    What’s not Covered?

    Below are some of the situations that will not be covered by the insurance company:

    • Drunk driving or driving without a valid driving license.
    • If the individual holds a learner’s license, but was found to be driving without a valid driving license-holder in the front passenger seat.
    • Damages that are not a direct result of the accident
    • Any contributory negligence (e.g. damage as a result of driving a car in a flood, which is not recommended according to the manufacturer’s driving manual, will not be covered.)
    • Some scenarios are covered in add-ons. However, if one has not availed those add-ons, the corresponding situations shall not be covered.

    Claim Process - Go Digit Car Insurance

    The claim settlement procedure of Go Digit Car Insurance is as follows:

    • 1 Call the customer service of the insurance company
    • 2 A link will be sent for self-inspection on the policyholder’s registered mobile number
    • 3 Take pictures of the damages from the smartphone and forward it to the company
    • 3 Select the mode of repair - Advance Cash or Cashless through network of garages.

    Car Insurance Renewal Process (Online/Offline)

    Online Process

    • Step 1: Enter Vehicle’s Make, Model, Variant, Registration Date and city (where the applicant is residing in). Click on ‘Get Quote’ and select the choice of plan.
    • Step 2: Pick between a third-party liability only cover and a standard package.
    • Step 3: Submit details about previous insurance policy - date of expiry, claim made in the last year and no claim bonus earned.
    • Step 4: The user will be redirected to a page containing the new premiums. If the individual has chosen a Standard Plan, he or she can customize it further by selecting add-ons, setting the IDV and confirming if the car has CNG. The final premium will be reflected on the next page.

    Offline Process

    One can also renew their Go Digit car insurance policy offline by visiting one of the insurer’s offices. Here, the individual will have to make sure to carry all the necessary documents when he or she visits the office as the insurer will need them to process the car insurance renewal request.

    Its Simple and Instant

    Review - Go Digit Insurance Company

    Go Digit General Insurance is a fast-growing non-life insurance provider in the industry. The company offers simplified general insurance solutions to its clients and is constantly striving to make the whole process of insurance (from buying to making claims) simpler and easier.

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