Digit Comprehensive Car Insurance Policy

A comprehensive insurance policy combines the advantages of both a standalone own-damage (SAOD) policy and a third-party policy. Since third-party insurance is mandatory, it is recommended that you choose a comprehensive policy to expand the coverage as it would include damages to your car as well in case of an accident. Digit is a leading innovator in developing and providing digital-based insurance. This page will discuss the process for purchasing Digit comprehensive car insurance, its main features, what is included, and what is excluded from the coverage.

How Does Digit Comprehensive Car Insurance Work?

If you have an accident that causes damage to your car and to a third party, the mandatory third-party policy will only cover the damages caused to the third party person or property by your car. On the other hand, a comprehensive policy will provide financial protection for damages to your own car as well. Comprehensive insurance, unlike third-party insurance, provides protection from unexpected financial losses such as accidents, natural and man made disasters, fires, or theft.

A comprehensive policy covers all the damages to your car as well as compensates for any damage caused to the third-party person or property. It completely covers all the areas of concern in case of an accident. It is a full coverage insurance for cars that offers the most extensive protection for your vehicle. Moreover, Digit’s Comprehensive Car Insurance allows you to personalise your policy by selecting from various add-on coverage options.

Key features of Digit Comprehensive Car Insurance

The key benefits of purchasing comprehensive car insurance from Digit are:

• Complete Protection: When you have a comprehensive policy, you not only meet the legal requirement of buying a third-party policy, but you also get coverage to protect your car financially.
• Cashless Garages: Digit has a network of 6000+ garages across India that allows for cashless claims which give a hassle free experience. These garages repair your car without upfront payment and are directly paid by Digit.
• Protection From Disasters: Digit safeguards your car from damage caused by natural or man-made disasters such as fire, flood, riots, and more.
• Customise Your IDV: With Digit you can customise your vehicles’ IDV.The amount you receive when your car is stolen or damaged beyond repair is called IDV (Insured Declared Value). Digit will pay you the IDV amount that was agreed upon when you purchased the policy. If you opt for zero depreciation cover, you will receive the original IDV without any depreciation.
• Add-ons Available: You can choose from various additional covers such as roadside assistance, engine protection cover, and consumable covers to customise your comprehensive policy based on your specific requirements.
• Smartphone Enabled Inspection: Complete the inspection process by taking pictures and videos of your car through your smartphone.
• Super Fast Claims: Digit has successfully settled 96% of the claims of private cars.
• 24x7 Customer Care: Digits’ dedicated customer support team is available to help throughout the year including national holidays.

How To Buy Digit Comprehensive Car Insurance?

When purchasing insurance, it's important to have certain documents with you, such as:

1. Registration Certificate of your car.
2. A government authorised ID to complete your KYC verification.
3. Your driving licence

Purchase Digit Insurance Policy with InsuranceDekho

InsuranceDekho provides easy ways to compare and buy insurance both online and offline. Use the following instructions to buy Digit comprehensive car insurance:

Online Process

Step 1: Go to InsuranceDekho’s Website

Visit the official website of InsuranceDekho and click on car insurance.

Step 2: Fill details of your vehicle number e.g. DLXXABXXXX

As soon as you reach the car insurance page, a pop up window will appear. Input your vehicle number to continue and receive quotes from various insurers for your car.

You may need to provide the make, model, and variant of your car. Proceed to enter these details to ensure accuracy.

Step 3: Select the plan offered by Digit

All the quotes for your car insurance from various insurers will be shown to you. Make sure that you have chosen 'Comprehensive' in the 'Type' filter located at the top of the list of quotes. Thoroughly assess all the quotes before continuing. If it meets your needs, select Digit car insurance and proceed.

Step 4: Choose the desired Add-ons

Add the add-ons which suit your requirements.

Optional Step: Connect with An InsuranceDekho Advisor

You can ask for a callback by selecting the ‘Get a Call Back’ option. A representative from InsuranceDekho will give you a call and answer any questions or doubts you may have. They will also help you with the next steps.

Step 5: Complete your KYC process

Provide your Aadhar card or PAN card details in order to receive an OTP on your registered mobile number. Finalise the KYC verification by inputting the OTP.

Step 6: Verify your details

After your completion, a pre-filled form with your personal and car details will appear. It is crucial that you review the information and make any necessary changes as these details will be shown on your policy documents.

Step 7: Pay to complete the purchase

You're almost ready to buy the policy. Complete the payment using any online method such as UPI, debit/credit card, bank transfer, etc.

Once you receive the payment confirmation, you'll be able to track your policy and obtain policy documents.

Offline Process

For offline purchase of Digit comprehensive car insurance, call the InsuranceDekho customer care at 7551196989 or send an email to support@insurancedekho.com to request home assistance. Following this, a relationship manager will get in touch with you to arrange a home visit. During the visit, they will provide guidance throughout the entire process as well as insights of different policies

Our relationship managers are skilled in providing information and advantages of various insurance policies to help you make an informed decision.

Purchase Digit Insurance Policy via Insurer’s Website

The comprehensive car insurance can be bought from Digits' official mobile app or website.

Benefits of Buying Your Car Insurance from InsuranceDekho

InsuranceDekho helps you in comparing quotes from different insurers which helps you to take a better decision in buying policies. InsuranceDekho provides several benefits to its customers:

• Dedicated Claim Support: Our exclusive claim support team has expertise in assisting you with your claim as our customer service does not end after your policy purchase.
• Comprehensive Offering: We offer insurance policies in various domains including car, health, life and term, travel, investment, and shops.
• Trusted Brand: Our association with the renowned company 'Car Dekho' which has been a part of the automotive technology sector for over 15 years, has won us the trust of customers.
• Vehicles Insured: We have insured over 5 million vehicles which reflects our dedication and positive impact in the market.
• Efficient Assistance: Our customer support team is available 24x7 to make sure we are addressing all your queries as well as providing assistance whenever you need it.
• Certified Broker: Being an IRDAI certified broker, we have been in the industry for over 8 years now.

Documents Required to Buy Digit Comprehensive Car Insurance Policy

1. You need a photo ID which is authorised by the government. It can be any of the following:

• Passport
• Driving licence
• Aadhar
• PAN card
• Voter ID
• Any other Government-issued photo ID

2. A proof of address will also be required, which can be any of these:

• Passport
• Driving licence
• Bank or post office passbook
• Government-issued address proof
• Driving licence
• Your vehicle RC (Registration certificate)

All insurers do not require these documents during the purchase process, but during the claim process, these documents are required for the claim.

Digit Comprehensive Car Insurance Claim Process

The Digit mobile app offers an easy and effortless claim process. Just follow these steps:

Documents Required

Before you submit a claim, you need to organise your documents to avoid rejection of your claim due to incomplete documentation. Here is a list of the necessary documents:

• Registration certificate of car
• Copy of the driving licence of the person driving during the incident ( if applicable)
• Receipt of payments made which is eligible for reimbursement
• Policy certificate
• Copy of FIR ( if applicable)
• Original estimate of repair cost

How to File a Claim?

To file a claim with Digit using the Digit Mobile App, you can follow these easy steps.

• Select the 'Register a Claim' option on your Digit mobile App or visit the Digit website.
• Complete the information and submit the necessary documents.
• Complete the survey using your mobile phone and the car will be picked up for repair once the claim has been approved.
• Your car will be delivered back to you after the repair service is completed.
• In cases of theft, the insurance company would hold the payment until the police provide a non-traceable certificate stating that the stolen car could not be traced.

Claim Assistance by InsuranceDekho

InsuranceDekho offers extra support for claims to help customers make sure they have correctly prepared documents, meet deadlines, and avoid anything that could lead to the claim being rejected. For claim support from InsuranceDekho, dial 7551196989 or send an email to support@insurancedekho.com.

Digit Comprehensive Car Insurance Renewals and Cancellations

Customers have the option to renew or cancel their comprehensive car insurance. You can follow the given steps to renew or cancel your current policy.

Digit Car Insurance Policy Renewal

To renew the comprehensive car policy follow the given steps:

Online process

Step 1: Start by visiting InsuranceDekho's official website and select "Support" from the top bar.

Step 2: In the dropdown menu, find the "Renew Policy" tab, click on it, and proceed further.

Step 3: Enter your registered mobile number to receive the OTP, and then proceed by entering the OTP.

Step 4: Now you shall be able to view all your existing policies. Choose the Digit Comprehensive car insurance that you wish to renew, and you will see its details.

Step 5: Proceed to the renewal process by selecting "Renew".

Step 6: Complete the payment using any of the online methods to successfully renew your policy.

As an alternative option, you can also renew your Digit comprehensive car insurance via the Digit mobile app or the official website.

Offline process

If someone prefers the traditional offline method for renewing insurance, they have the option to do so by:

Call or Home Assistance by InsuranceDekho: You can ask for a call back from an InsuranceDekho representative who will assist you with the renewal process, or you can inquire about having a home visit from a relationship manager.

Visit the Insurer's Branch Office: Visiting the local branch office is available for any type of inquiry. Locate the addres

Digit Car Insurance Policy Cancellation

To cancel your Digit car comprehensive policy, you have to keep in mind that a comprehensive car insurance policy includes both third-party coverage and coverage for own damage:

• You can only cancel your ‘own damage’ policy from your comprehensive policy.
• The third-party policy can not be cancelled but can be ported to another insurer.

To adhere to the law, having third-party car insurance is a must for all vehicles. There should be no gaps in the policy and hence you need to buy alternate third-party insurance before cancelling the third-party portion of your comprehensive car insurance.

Once you have purchased an alternate policy or you want to cancel the own-damage portion of your comprehensive car insurance, contact the customer support of InsuranceDekho and write an email or letter to cancel your car insurance policy. You will need to submit the below-mentioned documents as part of the process.

• Copy of Identification document
• Copy of Car's registration certificate
• Policy documents
• A formal letter or email requesting to cancel the policy
• Proof of new third-party insurance purchase ( in case you wish to cancel third-party policy)

Once these documents are submitted your previous policy will be terminated and a full refund will be provided in case of third-party portion being cancelled. However, a proportional amount will be deducted from the refund of your own damage policy on a pro-rata basis for the duration between the policy's purchase and cancellation.

Covered Vs Not Covered Under Digit Comprehensive Car Insurance

The car comprehensive policy includes the advantages of a standalone own damage policy and third-party policy. The following are the inclusions and exclusions in the Digit car comprehensive policy.

Covers

• Damages due to accidents.
• Damages due to natural calamities
• Damages due to fire.
• Damages due to theft.
• Damages due to vandalism.
• Damages caused during transit.
• Legal liabilities due to injuries, death, or damage caused to a third party (person or property) by your vehicle.
• Damages caused to parts that were protected by add-ons in your policy like engine protection.

Not Covered

• Normal depreciation
• Mechanical/electrical breakdown due to regular usage
• Normal wear and tear
• Damage caused while driving under the influence of drugs or alcohol.
• Damage was caused while a driver without a licence was driving.
• Indirect charges like towing charges.

Note that some coverage and exceptions might differ depending on the plan you select and any add-ons added to the policy. It's important to read carefully about the covered and non-covered segments of any policy.

Factors that Affect Your Comprehensive Car Insurance Premium?

The premium for comprehensive car insurance is the sum you pay to buy the comprehensive policy. The factors listed below impact the premium for your comprehensive car insurance.

• Age of Vehicle: As a car gets older, the insurance premiums usually go down. This is because older cars are less expensive to repair. Moreover, the new cars with advanced technology and the latest features have comparatively much higher premiums.
• No Claim Bonus (NCB): If you have not made any claims throughout your policy period, you get a discount on your next premium. The amount of No Claim Bonus (NCB) received is determined by the number of years you have insured your vehicle without any claims. Longer duration will have a higher bonus.
• Add-ons: Additional covers such as roadside support and zero depreciation provide added advantages, but result in higher premiums as well.
• Make, Model, Variant: Car insurance premium is significantly influenced by the make, model, and variant of your vehicle. Vehicles with powerful engines, such as sports and luxury cars, typically come with higher premiums.
• IDV ( Insured Declared Value): The IDV is the estimated value of your car at the time of insurance renewal and has a big influence on the premium. Your car's market value, depreciation factor, and state have the most influence on your IDV. Digit allows you to customise your IDV.

How to Calculate Comprehensive Car Insurance Premium Online?

The premium calculator provided by InsuranceDekho allows you to review the insurance premiums for your vehicle offered by different insurers. The premium for your vehicle is determined by its registration year, make, model, and variant. To calculate your vehicle's premium online, follow the steps outlined below:

• Go to the car premium calculator on the InsuranceDekho website.
• The premium box that is calculated will appear on the right side of the screen. Provide the requested details and then click "check premium."
• You will be provided with a list of insurers along with the premiums they are offering.
• Make sure to choose "Plan Type" and then select "Comprehensive" to view quotes for the comprehensive policy.

Here’s our recommendation on which policy type to buy for your car depending on the age of your vehicle:

Digit Comprehensive Car Insurance Support

Choosing InsuranceDekho as your trusted partner in purchasing comprehensive car insurance comes with extra advantages beyond the purchase of the policy. Even after your policy is active or has expired, InsuranceDekho provides support to its customers. If you need assistance with the claim settlement process or have any questions, feel free to reach out to our customer support team.

You can get in touch with Digit customer care by sending an email to hello@Digit.com.

You can contact the InsuranceDekho customer support team by calling +91-7551196989;

Or write to us at support@insurancedekho.com.

If you are not satisfied with the customer service's reply, you can contact the grievance redressal officer, Mr. Rohit Khurana at grievance@insurancedekho.com .

If you are not happy with how our grievance redressal officer has handled your concern, you have the option to raise the matter by sending a letter to the Principal Officer at po_gibpl@girnarinsurance.com. For further information, go to our Grievance Redressal page.

Address:

• Girnar Insurance Brokers Private Limited,
• Plot no.301, Phase-2,
• Udyog Vihar, Gurugram-122022,
• Haryana, India