"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 Features | Benefits |
|---|---|
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
Third Party Liability Only Car Insurance Policy means 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:
Advance cash for repair: To avail advance cash before the repair work begins, here’s what one needs to do:
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 | |
| No claim made or pending in the preceding 2 consecutive years of insurance | |
| No claim made or pending in the preceding 3 consecutive years of insurance | |
| No claim made or pending in the preceding 4 consecutive years of insurance | |
| No claim made or pending in the preceding 5 consecutive years of insurance |
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What’s Covered?
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:
Online Process
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.
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.
Yes, you can transfer No Claim Bonus (NCB) from your previous car insurer to Digit General Insurance.
Digit General Insurance has above 1,000 network garages at its disposal, where you can enjoy the advantages of cashless claim settlement.
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.
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.
Go Digit offers two kinds of car insurance plans, namely - Third Party Liability Only Car Insurance Policy and Comprehensive Car Insurance Policy.
Yes. The company will offer NCB discounts on the basis of the individual’s past history with the other car insurance provider.
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.
Yes, a policyholder can select a garage of his or her choice for repairs.
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.
Go Digit has more than 1400+ network garages across the country.
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.
Go Digit provides insurance for bike, travel, mobile and home as well.
Yes, theft of vehicle is covered under Go Digit's comprehensive car insurance policy.
The limit of liability for damage to third-party vehicle or property is up to Rs. 7.5 lakhs.
