Digit Car Insurance

GoDigit, also known as Digit Insurance, is a modern insurance provider that has established a digital setup for all its operations, from policy purchasing to claim settlement. Digit offers insurance plans for motor, health, and life, and its digital setup allows it to offer interesting and affordable premium rates. In 2021, Digit became a unicorn with a valuation of 1.9 Billion USD, setting a standard for new-age insurance companies.

About Digit Car Insurance

Digit is highly praised in the market for its customer-centric approach and convenient operations such as zero paperwork claim settlement, and smartphone-enabled claim process which can be completed in 7 minutes. These features save time for customers and make Digit more trustworthy with its processes. With more than 6,000 network garages, Digit offers cashless claim settlements across the whole country. The best part of Digit car insurance is that it allows you to customise your IDV. It also offers tailor-made own-damage, third-party, comprehensive, and zero-depreciation car insurance at affordable prices.

Key Features

The key features of Digit car insurance are as mentioned below:

• Smartphone Enabled Self Inspection: You no longer have to wait for an inspection agent to arrive, just use your smartphone to shoot pictures and videos following the instructions provided and you are done.
• Customise Your IDV: Digit allows you to customise your IDV. This unique feature gives flexibility in deciding how much premium you wish to pay as the premium is directly proportional to the IDV of the vehicle.
• Paperless Claims: Digit required no paperwork to be submitted. Simply upload all your documents online, and your work is done. Digit has successfully settled 96% of claims for private motor vehicles.

Key Metrics

Eligibility to Purchase A Digit Car Insurance Plan

In order to purchase Digit car insurance, you must have the following:

• Registration Certificate of the car with your name as the owner.
• Previous policy documents
• A Govt. authorised identification document for KYC verification - PAN/Aadhar/DL/Voter ID/Passport

Types of Car Insurance Plans Offered by Digit

Digit offers 3 types of car insurance. Below is a brief description of all three of them:

• Third-Party Car Insurance: Third-party car insurance covers injuries and damages caused to a third-party person or property due to your vehicle. This insurance is most popular as it is mandatory to have as per Indian law. IRDAI has standardised the prices of third-party car insurance based on the engine capacity to ensure it is affordable to all.
• Stand Alone Own Damage Car Insurance (SAOD): Stand-alone own damage car insurance is for the protection of your vehicle, as it covers the damages incurred due to accidents, fire, and calamities caused by man or nature. Digit covers damages caused by animals and coconuts as well which is a unique offering. Digit has settled 1,500 claims for damages caused by coconuts. Moreover, Digit has paid over 30 crores to settle claims triggered by damages caused by animals like monkeys, dogs, and elephants. An own damage policy is not mandatory but is highly recommended due to the skyrocketing cost of car repairs.
• Comprehensive Car Insurance: When you combine the benefits of both own damage and third-party insurance, you get total protection against all kinds of financial risks. The comprehensive car insurance is exactly the same. It covers the cost you are obliged to pay for damage to a person or property and covers the damages incurred to your car as well.

Add Ons Offered By Digit Car Insurance

Add-ons are added benefits that complement your policy to provide your vehicle with more security. Every add-on brings a unique benefit and comes with a price, so while choosing add remember that each add-on will increase your premium amount.

• Zero Depreciation Cover: This is a popular cover that is also known as bumper-to-bumper cover. This cover discards the natural effect of depreciating the cost of a car and its parts while settling a claim. In simple words, without this cover, you will have to pay a portion of the total claim amount due to the depreciation of parts, but with this cover, the insurer will be obligated to bear the cost of depreciation and settle the entire claim amount.
• Breakdown Assistance Cover: More popularly known as ‘Roadside Assistance’, this cover provides help in case your car breaks down while you are in the middle of the journey. A vehicle with the necessary equipment and resources arrives at your location and assists you in getting back on track or at least reaching the nearest garage.
• Engine and Gearbox Protection Cover: This cover protects your gearbox and engine from risks of damage. Engines and gearboxes are very expensive to repair and this cover helps to save your expenses. If any accident or natural calamity triggers damage in the gearbox or engine, then this cover will bear the expenses of the required repair or replacement.
• Consumables Cover: It's disappointing to pay for screws, nuts, bolts, engine oil, and other consumables while you get the car repaired under the insurance coverage. This cover brings coverage for all the consumables that are used to repair your car.
• Daily Conveyance Benefit: In case your car has sustained major damages and needs to spend a few days at the garage to get repaired, then this cover assists you in travelling for your day-to-day work. This cover provides you with either a daily allowance that takes care of travel expenses or provides you with a standby vehicle.
• Tyre Protection Cover: Generally car insurance policies do not cover damages happened to tyres unless damage was sustained in an accident. With this add-on, you get a cover for tyre bursts, cuts, or bulges due to all other reasons.
• Key and Lock Protect: If the policyholder had to get the lock repaired, or replaced due to theft or accident, then this cover covers the financial cost. This cover is valid in case the key is damaged, stolen, or misplaced in an accident.
• Loss to Personal Belongings: This add-on compensates for the loss of any valuable personal property like clothes, documents, laptop, charger, mobile phone, etc. that gets stolen from or along the vehicle.
• Return to Invoice Cover: Return to invoice cover returns you the amount mentioned on the invoice of your car along with the registration amount and road tax. This is only applicable when your car is stolen or damaged beyond repair.
• EV Shield Add-on Cover: This add-on is specially designed for EVs in India. This cover financially protects your EV against loss or damages to electrical panels including charging points, and vehicle chargers including charging cable, and offers roadside assistance services specific to EVs.
• Pay as You Drive Cover: This cover is suitable for those who do not use their cars extensively. With this Add-on you can avail of discounts on your damage policy based on the number of kilometres you would drive. If you cross the number of kilometers you took the policy for, you can always top up the plan with more kilometers.

What Is Covered and What is Not Covered?

Each insurer has its own set of inclusions and exclusions within a car insurance policy. Here is a table which tells you what is covered and what is not covered under different policies provided by Digit car Insurance:

How To Make A Claim For Digit Car Insurance?

Digit car insurance claim process is very simple and it includes zero paperwork. Keep the following documents ready to upload while filing the claim:

1. RC of your vehicle
2. Copy of FIR ( if applicable)
3. Original Car Repair Bills ( in case of reimbursement claim settlement)

To file the claim, follow the steps mentioned below:

Step 1: Inform Your Insurer: Give a call at 1800-258-5956 to inform the customer support team of Digit and inform them about the damage sustained by your car. Following next, they will send a self-inspection link to your mobile number.

Note: In case of accident or theft, file an FIR at the nearest police station and keep a copy of the FIR.

Step 2: Complete Self Inspection and Submit Documents

Through the link received from customer support, complete the self-inspection of the vehicle using your smartphone. Make sure you take clear pictures and videos of the damage. Also, ensure you shoot in a well-lit area for clarity of images and videos. Once completed, upload the required documents on the Digit app.

Step 3: Get Repair Done

When your claim gets approved, choose between a cashless or reimbursement claim settlement. You can get your car repaired according to your choice of claim settlement process.

Note that in case of theft, the claim will be provided only after the police issue a non-traceable certificate. The Non Traceable certificate implies that the police could not track your vehicle.

Digit Car Insurance Renewal Process

Renewing your insurance is important, and renewing it on time is even more crucial. Car insurance policies usually have a duration of 1 year from the purchase and must be renewed before expiry to avoid consequences like loss of NCB or an inspection of the vehicle which can lead to a higher premium. You should choose between renewing the current policy or porting to a different policy according to your requirements. You can renew your policy or purchase a new policy through InsuranceDekho as it provides you a platform to comfortably compare policies which enables you to make a well-informed decision.

Digit Car Insurance Customer Service & Support

Digit Contact Details

You can choose the following ways to connect with Digit customer service and support team:

1. Whatsapp Number: +91-7026061234
2. 24/7 Toll-Free Number: 1800-258-5956
3. Email: hello@godigit.com

InsuranceDekho Contact Details

To connect with InsuranceDekho customer service and support team, you can contact:

1. Phone Number: +91-7551196989
2. Email: support@insurancedekho.com

Complaints & Grievance Redressal

Digit Grievance Redressal

Contact Mr. Praveen Bhat, Digits Grievance Redressal Officer by writing to grievance@godigit.com.

Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095.

InsuranceDekho Grievance Redressal

1. Letter: Grievance Officer, Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India.
2. Contact Centre: Customer can call us on 7551196989 from Monday to Sunday 24/7 (excluding public holidays)
3. Visit our website https://www.insurancedekho.com/contact-us