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- Digit Third Party Car Insurance
Digit Third Party Car Insurance
Digit third-party car insurance is a liability-only motor insurance policy that safeguards policyholders against third-party liabilities that may arise due to road accidents. This policy by Go Digit General Insurance Limited offers financial and legal assistance to car owners in case of damages caused to 3rd person or property in an accident involving the insured vehicle.
Benefits of Digit Third Party Car Insurance
A Digit third-party car insurance policy comes with the following benefits for car owners:
- Easy and Instant: It takes only a few minutes to buy third-party car insurance online since the process is simple and doesn't involve any vehicle inspection from the insurer.
- Protection Against Traffic Fines and Penalties: Digit third-party vehicle insurance complies with the directive of the Indian motor laws, which mandate car owners to opt for 3rd party car insurance to drive legally on roads. You are liable for hefty fines and/or judicial custody if you drive without a valid third-party car policy.
- Smooth Claim Process: Go Digit General Insurance Limited has a fast and seamless claim settlement process, ensuring around-the-clock support and speedy resolutions for policyholders.
Coverage Under Digit Third Party Car Insurance
Listed below are the major inclusions and exclusions under a Digit third-party car insurance:
- Compensation of up to Rs. 7.5 lakh for damages caused to 3rd party vehicle or property due to an accident involving the insured vehicle
- Compensation to 3rd person in case of an accident leading to bodily injury/death/permanent disability of 3rd person caused by an accident involving the insured car. The compensation amount in this situation is decided by MACT (Motor Accident Claims Tribunal).
- Personal accident cover of up to Rs. 15 lakh for the owner-driver of the insured car in case of an accident resulting in death, injury, or disablement.
- Any damages to the insured vehicle
- Damages or losses due to drunk driving or without a valid driving licence
- Any claims arising out of contractual liability
- Damages caused as a result of war and nuclear perils, natural disasters, man-made acts, fire, and theft
How to Purchase a Digit Third Party Car Insurance Policy?
Here is the simple process you need to follow to buy car insurance online:
- Select ‘Car Insurance’ on the homepage of Policybazaar.com.
- Enter your car number to check the prices of different car insurance plans.
- Once you select your vehicle details, proceed further to fill out the proposal form.
- You will now see a list of numerous four-wheeler insurance plans, among which you need to select Digit third-party car insurance.
- Choose the appropriate amount for PA cover, a mandatory add-on in 3rd party insurance.
- You can choose from different payment modes, such as cards, net banking, or UPI to pay your policy premium.
- Upon successful payment, you will get your four-wheeler insurance documents in your registered email.
Documents Required to Raise a Digit Third Party Car Insurance Claim
You need to keep the below-mentioned documents handy to file a third-party motor insurance claim:
- Copy of FIR charge sheet
- Duly filled and signed claim form
- Valid driving licence of the owner/driver
- Car insurance policy documents
- Insured vehicle's registration certificate
FAQs
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Q1. What is the cost of Digit third-party car insurance?
Ans: IRDAI (Insurance Regulatory and Development Authority of India) decides the third-party car insurance premiums based on the car's engine capacity, and they are subject to change. The current premiums for 3rd party motor insurance are:
- Engine capacity up to 1000cc: Rs. 2,094
- Above 1000cc but not exceeding 1500cc: Rs. 3,416
- Above 1500cc: Rs. 7,897
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Q2. Is it necessary to file an FIR in case of a third-party motor insurance claim?
Ans: Yes. FIR is a mandatory document to produce while filing a claim under a third-party car insurance policy. -
Q3. What documents do I require to purchase third-party car insurance online?
Ans: Usually, zero paperwork is involved when you buy third-party four-wheeler insurance online. Simply visit Policybazaar.com and navigate to the 'Car Insurance' section. Enter your car number and details to view different policies. Select the desired plan and make the payment. You will instantly receive your policy documents at your email address. -
Q4. What happens to my 3rd party car insurance if I sell my car?
Ans: When you sell your car, you need to transfer your existing third-party motor insurance policy to the new owner to make sure that the vehicle stays protected even after an ownership change.
Car Third-Party Insurers
Bajaj Allianz Third Party Car Insurance
Chola Ms Third Party Car Insurance
Future Generali Third Party Car Insurance
HDFC Ergo Third Party Car Insurance
ICICI Lombard Third Party Car Insurance
IFFCO Tokio Third Party Car Insurance
Liberty Third Party Car Insurance
Magma HDI Third Party Car Insurance
Expand
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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Read more#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*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.