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Digit Car Insurance
- Own Damage Car Insurance
Digit Standalone Own Damage Car Insurance
A Digit Standalone own damage car insurance policy is designed to specifically cover any own damages sustained by the insured car due to unanticipated events like accidents, theft, etc. This policy can be purchased with a third-party liability plan to extend the coverage to the car’s own damages.
Key Features of Digit Standalone Own Damage Car Insurance
| Categories | Key Features |
| Own Damage Cover | Yes |
| Mandatory | No |
| No Claim Bonus | Yes |
| Add-on Covers | Offered |
| Zero Depreciation cover | Yes |
| PA Cover | Upto Rs. 15 Lakh |
Coverage Under Digit Standalone Own Damage Car Insurance
- Losses sustained by the insured car due to fire, explosion or self-ignition
- Any loss arising out of theft or burglary of the insured car
- Damages to the insured car due to natural calamities like cyclones, earthquakes, lighting, etc
- Damages arising out of manmade acts like riots, and strikes, are covered
- Claims can also be raised for damages sustained by the insured car while it was in transit via rail, water, air or road
- Damages to the insured car in an accident are also covered in the OD policy
- Third-Party liabilities such as property damage, death or injury to the third party due to the insured car
- Damages caused to the insured car due to drunk driving or driving under the influence of drugs
- Consequential damages that happen as a result of an accident
- Damages sustained by the insured vehicle when the driver was not carrying a driving license
- Mechanical or Electrical failure of the car
- Damages sustained by the insured car outside the geographical limits as specified in the OD cover
Add-ons Under Digit Standalone Own Damage Car Insurance
Additional covers can be purchased along with a Digit car insurance to enhance the coverage of the policy. Add-ons offered by Digit General Insurance Company include:
- Consumable Cover
- Depreciation Protect
- Engine and Gear Box Protect
- Tyre Protect Cover
- Daily Conveyance
- Key and Lock Protect
- Loss to Personal Belongings
- Pay as You Drive Cover
- Breakdown Assistance Cover
- Return to Invoice Cover
How to Buy Digit Standalone Own Damage Car Insurance Policy?
A car owner can purchase a Digit OD cover alongwith his/her third-party coverage in just 5 minutes.
Follow the steps mentioned below to purchase a Digit Standalone own-damage car insurance policy from Policybazaar Insurance Brokers Private Limited:
- Visit Policybazaar.com and select the ‘Car Insurance’ tab from the homepage
- Enter your car number in the given form and proceed
- Now select details like your car’s model, make, variant, registration year and RTO
- Fill out the registration form and proceed
- From the given OD plans from multiple insurers, select the Digit OD plan
- You can view policy details from here itself
- You can also select any additional cover that you wish to include in your plan
- Check the final premium and make the payment via desired online mode
- After successful payment, you will receive your policy documents in your email id.
Documents Required to Raise a Digit Standalone Own Damage Claim
A Digit Standalone own damage car insurance claim can be raised when the insured car has sustained damages in an accident. Apart from informing the insurer, a policyholder also needs to submit the following documents to get his/her claim verified.
- Duly filled and signed claim form
- OD Car insurance policy documents
- Car’s Registration Certificate
- KYC details
- Repair bills and estimates of repair
- Driving License of the driver
FAQs
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Q1. Who should get Digit Standalone OD Car Insurance?
Ans: Any car owner who has bought three-year third-party car insurance and wants to extend the coverage to the car’s own damage can purchase the Digit OD policy.
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Q2. How can I calculate the premium of my car before purchasing OD cover?
Ans: You can calculate the premium of your car before purchasing an OD cover with the help of a Car Insurance Premium Calculator. This online tool takes into consideration your car’s make, model, variant, and registration year and will calculate OD premium based on these details.
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Q3. Can I buy an OD plan from a different insurer?
Ans: Yes, you can purchase an own damage plan from a different insurer after comparing plans on Policybazaar.com.
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Q4. Will I get NCB with Digit own damage car insurance?
Ans: Yes. Digit car insurance offers the feature of a No Claim Bonus with its own damage plan. This NCB reward can be used to avail discount on car insurance renewal next year.
Car Own Damage
Bajaj Allianz Standalone Own Damage Car Insurance
Cholamandalam Standalone Own Damage Car Insurance
Future Generali Standalone Own Damage Car Insurance
HDFC Ergo Standalone Own Damage Car Insurance
ICICI Lombard Own Damage Car Insurance
IFFCO Tokio Standalone Own Damage Car Insurance
Liberty Standalone Own Damage Car Insurance
Magma HDI Standalone Own Damage 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.