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- Digit Comprehensive Car Insurance
Digit Comprehensive Car Insurance
Digit General Insurance is a well-established insurance service provider that offers a comprehensive car insurance policy. In addition to a wholesome cover against third-party liabilities (life and property), this car policy also provides own damage cover to car owners. Furthermore, the policyholder can strengthen their insurance coverage with the help of additional covers.
Benefits of Digit Comprehensive Car Insurance Policy
Here are a few benefits of Digit comprehensive car Insurance:
- Customer Support: The company's customer support network is very strong. The customer can reach out and get a response from the support even on national holidays.
- Excellent Claim Settlement Ratio: With a high claim settlement ratio of 96%, Digit has become one of the most reliable companies in the sector.
- Cashless Repairs: Customers can get their vehicles repaired at any garage approved by the company. Digit General Insurance Company has a repair anywhere facility to help in fast and cashless claim settlement.
- Self-Inspection: The company allows a self-inspection process, which can be done by the customer using his smartphone. This makes the process of claim easier and hassle-free.
- Pickup and Drop Facility: If one opts for Digit-associated workshops, one will get doorstep pickup and drop, along with the 6-month repair warranty.
Coverage Under Digit Comprehensive Car Insurance Policy
- Liabilities to the third party include death, disability and property damage.
- Natural calamities like earthquakes, cyclones, and floods causing damages to the insured vehicle
- Manmade acts like riots and strikes resulting in damage to the car
- Damages to the insured car while it was in transit via road, rail, air or waterways
- Partial or total loss of the insured car due to theft
- Losses to the insured four-wheeler due to fire, explosion or self-ignition
- Wear and tear/Depreciation sustained by the insured car are not covered under a Digit comprehensive cover.
- No claims can be raised for damages that occur when you are driving under the influence of alcohol.
- Accidental damages sustained by the insured car when being driven for commercial purposes.
- Driving outside the specified geographical location of the insurance policy
- Damages to the consumables of the insured vehicle during an accident.
Add-ons Under Digit Comprehensive Car Insurance Policy
One can also purchase additional covers to enhance the coverage of his/her Digit comprehensive car policy:
- Roadside Assistance Cover
- NCB Protect Cover
- Zero Dep Cover
- Engine Assistance Cover
- Personal Baggage Cover
- Consumables Cover
How to Purchase a Digit Comprehensive Car Insurance Policy?
The steps mentioned below can be followed to buy car insurance online by Digit General Insurance:
- Visit the official website of Policybazaar Insurance Brokers Private Limited
- Navigate to the Car Insurance page from the homepage
- Enter your car number or select the other option
- Fill in the information like make, model, variant, RTO and registration year of your car
- From the given comprehensive car insurance plans, choose the Digit car policy.
- Select the additional cover that you find suitable
- Make payment online via UPI, net banking or bank cards.
- After the payment is successful, the Digit comprehensive policy document will be mailed to you.
Documents Required to Raise a Digit Comprehensive Car Insurance Claim
To raise a Digit car insurance claim successfully, one has to produce the following documents in front of the insurer.
- Duly filled and signed claim form.
- RC (registration certificate) of the vehicle
- DL (Driver's license)
- Copy of FIR (if required)
- Car Insurance policy
- Original bills and receipts in case of reimbursement.
FAQs
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Q1. Are passengers covered under the Digit comprehensive car insurance?
Ans: No, a Digit comprehensive car insurance policy covers only third-party liabilities and own damages in the face of any mishap. But a policyholder can buy a Digit passenger cover add-on to insure any unnamed passenger. -
Q2. What factors affect the premium amount of a Digit comprehensive car insurance policy?
Ans: Factors that may affect the motor insurance premium amount are deductibles, add-ons, tenure of the policy, age of the car, car model, and Insured Declared Value. -
Q3. Is it mandatory to have a Digit comprehensive car insurance policy?
Ans: No, according to the Indian Motor Tariff, 2002, a third party insurance cover is mandatory. This makes a comprehensive cover non-mandatory. This cover is recommended to ensure one against any damages to one’s car and third-party liabilities. -
Q4. Do I need to pay more for add-ons?
Ans: Yes, one has to pay an additional premium to avail of the facility of add-ons on the comprehensive insurance cover.
Car Comprehensive Insurers
Bajaj Allianz Comprehensive Car Insurance
Chola MS Comprehensive Car Insurance
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HDFC Ergo Comprehensive Car Insurance
ICICI Lombard Comprehensive Car Insurance
IFFCO Tokio Comprehensive Car Insurance
Liberty Comprehensive Car Insurance
Magma HDI Comprehensive Car Insurance
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Car insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.