Digit Car Insurance FAQs

No Claim Bonus (NCB) is basically a discount which is awarded to a policyholder by the insurer for making zero or no claims during the full policy term. NCB can also be accumulated over the years and the discount varies from 20% to 50% based on the damage premium.

Yes, you can transfer No Claim Bonus (NCB) from your previous car insurer to Digit General Insurance.

Digit car insurance policyholders are allowed to choose a garage as per their choice. In case you choose a workshop outside the Digit garage network, you will be provided with an advance to meet the repair expenses so that you need not raise a claim reimbursement.

Digit General Insurance has more than 6,000 network garages at its disposal where you can enjoy the benefit of cashless claim settlement.

You will not have to submit any documents as Digit has a zero paperwork policy during both the purchase as well as renewal of the policy. You just need to fill in the vehicle details such as the model, variant, registration number of the car etc. at the time of purchase and your previous policy details at the time of renewal. For these details you can refer to your car’s registration certificate (RC) and previous policy document.

Under the Digit zero depreciation add-on, claims for car tyres, battery lubricants are covered at 50% and not at 100% like all the other car parts. Also, uninformed modifications to the vehicle are not covered by Zero Depreciation Add-on cover.

You should consider the following factors at the time of opting a zero depreciation add-on cover:

• Age of the car
• Model and variant of the vehicle
• Frequency of selling or buying a new car
• The value of the parts in your vehicle

Yes, it is up to the policyholders to decide whether they want to pay for the cost of depreciation of the replaced/repaired parts or not for a particular claim.

Yes, you can avail the zero depreciation add-on cover for your secondhand car provided its age does not exceed 5 years. To ensure the condition of the car, the company can even conduct an inspection to allow the inclusion of add-on cover to your policy.

Yes, you will have to renew your zero depreciation cover every time you renew your comprehensive car insurance policy provided it fulfils the conditions of zero depreciation add-on cover at the time of renewal.

Digit car insurance plans are available with different add-on covers which comprise consumable cover, zero depreciation cover, breakdown assistance cover, return to invoice cover, engine and gearbox protection, car tyre protection cover, and daily conveyance benefit.

You can purchase an add-on cover either during the time of car insurance policy purchase or renewal of your car insurance policy.

No, it is not compulsory to purchase an add-on cover and to include it in your car insurance policy. It is designed to increase the coverage of your insurance plan, hence, if you feel that your insurance plan’s coverage is less, then only you should choose an add-on cover.

Yes, you will have to pay for an additional premium cost, in addition to the premium for your base plan coverage, to buy and avail an add-on insurance cover.

No, there is no limit specified to add add-on covers in the car insurance policy and you can opt for as many add-on covers as you wish.

Navigate to the official website. You will be needed to scroll down the homepage and click on ‘Find Garages’ option located under the heading of ‘Services’. On the next page, select the city and give the Manufacturer name. Then Click on ‘Find Garage’, a list of the associated workshops will appear on your screen.

Apart from the necessary documents, you will be required to submit the entire set of vehicle keys, the Final Report – No Trace Report for the lost vehicle, Indemnity Bond as well as the NOC (No Objection Certificate) from the financer in case of theft of the vehicle.

90.4% of the motor claims filed in Digit are settled are within 30 days. You can also check for the claim settlement turn around time, as that will help to give you an insight on how fast the claims are being processed and settled by the insurer.

Yes, the claim process is time-bound. It is advisable to inform the insurer within 24 hours of the incident.

You can download the claim form of Digit car insurance policy from its official website or reach out to the nearest branch and collect the hard copy of the claim form.

You should consider the following factors at the time of renewing your car insurance policy:

• claim settlement ratio
• Customer assistance service
• Cashless garage network
• Insurance premium price

Yes, you can enjoy the benefits of NCB (No Claim Bonus) while renewing your policy after migrating from a different insurance company. Digit offers NCB discounts based on your track record with past insurers.

In case you opt for the offline process to renew the Digit car insurance policy, the documents will be sent to you via courier at the address given in your details within a few days.

Yes, you can renew the Digit car insurance policy even if you don’t have the documents at the time of renewal. You just need to give the registration number of the car to renew your policy.

Digit General Insurance provides coverage to its policyholders irrespective of the city or state in which the incident takes place. However, the place of accident/mishap should not be outside the geographical coverage mentioned in the policy document.

The final compensation amount is decided by a court of law and the indemnification cost is borne by the Insurer.

Yes, the Digit third party liability cover offers indemnification for the expenses incurred during a court trial.

No, Digit third party car insurance policy provides the basic coverage only for the third party. The insured does not get compensated for the theft of the insured’s car under this policy.

No, the coverage of the Digit third party car insurance policy can not be extended as it does not offer any add-on covers but provides only basic coverage. For extensive coverage, you can opt for the comprehensive car insurance policy.

• Step-1 -Visit the official website of Digit. Then enter your vehicle details - make, model, variant along with the registration date and the city your vehicle is being driven in. Click on ‘Get Quote’.
• Step-2 - Select ‘Standard Package’ (Comprehensive Insurance).
• Step-3 - Furnish all the details about your previous insurance policy such as the expiration date, claims filed in the previous year, No Claim Bonus rewards (if any).
• Step-4 - You will be given a quote for your premium. Digit comprehensive policy allows you to further customization your insurance plan with the help of various add-on covers. The final premium will be available on the next page where you can proceed with payment.

Digit comprehensive car insurance policy covers only insured car and third party liabilities in case of an accident or any other mishap. To get an insurance cover for unnamed passengers, you can buy the Digit passenger cover add-on which provides a coverage of up to Rs. 2 lakh against a premium.

No, according to the Indian Motor Tariff 2002, every vehicle-owner should have their vehicles insured with at least a third party liability only insurance policy. Thus, a comprehensive cover is not mandatory although a recommended plan as it insures you against own-damages of your car besides the third party liabilities.

You can get the quotes for Digit through its official website. You can also opt to get the quote through InsuranceDekho just by entering the car registration number on its “Get a Quote” feature.

The factors that influence the premium amount of the Digit comprehensive car insurance policy are Deductibles, Add-On Covers, Tenure of the policy, Age of the insured’s car, Make and model of the car, and Insured Declared Value (IDV).

After the accident, once the policyholder informs the insurance company regarding the mishap, the company sends a surveyor to analyze the loss or damage incurred by the vehicle. Once the surveyor sends the report and the insurance company approves it, the whole repair process happens. The insurance company after the repair of the vehicle directly settles the bill with the owner of the workshop.

Yes, the cashless garage facility offered by Digit is very helpful. Some of the benefits of the facility are mentioned below:

• It is an easy, convenient and a hassle-free option.
• Cashless garage facility does not include hefty paperwork for the policyholder.
• This facility lessens the need for an individual to carry cash, thus, in a way reducing the financial burden on the policyholder.

There are mainly around 1551 cashless garages network list across the country under GoDigit insurance.

Factors that influence the premium amount of a Digit car insurance policy are Insured Declared Value (IDV), Anti-theft Devices, No Claim Bonus (NCB), Engine Cubic Capacity, Age of the car, Year of Registration, Add-on options, etc.

The car insurance premium calculator can help you in finding the right premium cost for car insurance plans and IDV offered for the insured car, which is provided by different insurance companies in the market. With this type of information, you can easily opt for an affordable insurance policy and make wise decisions related to car insurance.

No, the premium calculator calculates and displays the amount of premium and IDV for new as well as old cars.

You need to enter details like make, model and variant of the car, fuel type of the car, RTO location of the car, engine capacity of the car, registration year of the car, and so on, on the premium calculator to get the premium costs provided by different insurance companies.

You can easily get the best premium calculator to reckon the premium amount and IDV for your insurance policy at the official website of InsuranceDekho, i.e., www.insurancedekho.com.

• Engine and Gearbox Protection cover
• Zero Depreciation Cover
• Consumable Cover
• Tyre Protect Cover
• Passenger Cover
• Return to invoice Cover
• Breakdown Assistance

The own damage cover offers the following protection to the policyholder:

• Theft, burglary and housebreaking
• Accidental damages to the vehicle
• Self ignition, implosions, lightning, fire, and explosions
• Landslide, earthquakes and rockslides.
• Riots, strikes, terrorism attacks, or malicious damage
• Natural calamities such as typhoons, cyclones, floods, etc.
• Vehicle transit by road, inland waterways, rail or air.

The premium is calculated based upon the following factors:

• Insured declared value of the car
• Cubic capacity of the engine
• Geographical zone
• Type, make and age of the insured car

Any individual who has an active and valid third party car insurance plan is allowed to purchase a standalone own damage insurance plan to ensure protection against damages or losses sustained by their own car due to any accident or mishap.

No, purchasing an own damage insurance cover for your car is not necessary. According to the Indian Motor Tariff Act, it is compulsory to purchase a valid third party insurance plan for all the vehicles driving on public roads in India.