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Read about Go digit car insurance on Coverfox.com "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.))
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:
Advance cash for repair: To avail advance cash before the repair work begins, here’s what one needs to do:
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.
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?
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:
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.
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%|
What’s not Covered?
Below are some of the situations that will not be covered by the insurance company:
The claim settlement procedure of Go Digit Car Insurance is as follows:
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.
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.
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.
Will Digit Car insurance transfer NCB when I shift my car insurer?
Yes, you can transfer No Claim Bonus (NCB) from your previous car insurer to Digit General Insurance.
At how many garages does Digit offer cashless claim settlement service?
Digit General Insurance has above 1,000 network garages at its disposal, where you can enjoy the advantages of cashless claim settlement.
What documents do I need during policy purchase or renewal?
You will not have to submit any documents as Digit has a zero paperwork policy during both the purchase and renewal of the policy. You need to fill in the vehicle details like the model, registration number of the car, variant, etc., at the time of purchase and your previous policy details at the time of renewal. You can refer to the car’s registration certificate (RC) and previous policy document for these details.
What is a No Claim Bonus?
No Claim Bonus (NCB) is a discount awarded to a policyholder by the insurer for zero or no claims in the full policy term. NCB can also be accumulated in the years, and the discount varies from 20% to 50% based on the damage premium.
What are the types of car insurance plans available with Go Digit?
Go Digit offers two kinds of car insurance plans, namely - Third Party Liability Only Car Insurance Policy and Comprehensive Car Insurance Policy.
Can I get my NCB migrated if I renew my car insurance with Go Digit?
Yes. The company will offer NCB discounts on the basis of the individual’s past history with the other car insurance provider.
What are the add-ons offered by Go Digit?
The add-ons available with Go Digit include Zero depreciation cover, Return to Invoice, Engine and Gear-Box Protection, Breakdown Assistance and Tyre Protect cover.
Can I choose a garage of my choice for repairs?
Yes, a policyholder can select a garage of his or her choice for repairs.
What should I do in case of an accident?
In the event of an accident, get in touch with the company right away by dialling 1800-258-5956. An agent will be assigned to help with the claim settlement.
How many network garages does Go Digit have?
Go Digit has more than 1400+ network garages across the country.
Will my No Claim Bonus get affected if I make a claim?
Yes. NCB will come down to zero if a claim is made. But if the policyholder has availed a No Claim Bonus Protection add-on, then the NCB % will be protected.
Besides car insurance, what are the other insurance solutions offered by Go Digit?
Go Digit provides insurance for bike, travel, mobile and home as well.
Is theft of car covered under comprehensive car insurance policy of Go Digit?
Yes, theft of vehicle is covered under Go Digit's comprehensive car insurance policy.
What is the limit of liability for damage to third-party vehicle or property?
The limit of liability for damage to third-party vehicle or property is up to Rs. 7.5 lakhs.