Digit Car Insurance Renewal

Renewal of car insurance is an important step to maintain the coverage for your car. To keep the benefits of insurance running, you must renew your car insurance timely. You can renew your insurance anytime during the policy term, once the policy expires Digit provides a grace period of 20-30 days during which you can renew your insurance without facing the consequences. The consequences of renewing a car insurance policy after the grace period ends, you will lose your accumulated NCB and might have to get your car inspected by the insurer as well which can lead to an increase in premium.

Consequences of Not Renewing Your Car Insurance Policy

The government has made purchasing and having motor insurance mandatory which outlines how important it is to buy insurance as well as to renew it timely. Not renewing insurance on time has serious consequences, primarily it is a violation of the law. Some other consequences are mentioned below:

• Legal Compliance: The Motor Vehicle Act 1988 makes it mandatory to have an active third-party car insurance without any gaps in policy. Failure of renewal may lead to fines, penalties, or even imprisonment.

• Financial Risk: When your car insurance expires, you lose the coverage provided by the insurer. In cases where your car sustains damages and you don't have an active policy, you can end up bearing a very high cost of repairing which can drain your savings and force you to withdraw investments.

• No-Claim Bonus: A No-claim bonus is a discount on your renewal that can go up to 50%. It is awarded for spending a year without making any claim. You can lose this accumulated bonus if you fail to renew your policy by the end of the grace period.

Advantages of Renewing Your Car Insurance with Digit

Digit provides many benefits for renewing your car insurance, the top ones are mentioned below:

• Cashless Repairs: Digit has a huge network of 6,000+ cashless garages all over India which would repair your car and will be paid directly by the Insurer. This makes the claim process more efficient and hassle-free.

• Self-Inspection: Digit provides a smartphone-enabled self-inspection service. You just have to take pictures of damaged parts of the car and upload them on the app and apply for a super fast claim.

• Trustworthy Insurer: Digit has a significant 96% claim settlement ratio which makes it a trustworthy insurer.

• Add-ons: 11 add-on covers are available to increase the coverage as part of your car insurance policy.

• Customise your IDV: With Digit, you can customise the IDV of your car which gives you flexibility in setting your premium as it changes with the IDV.

• 24 x 7 x 365 customer support: Digit has a dedicated team of customer support who are working every day 24 hours including holidays.

Digit Car Insurance Renewal Dates and Reminders

You can check and stay informed regarding your car insurance renewal dates through reminders. Let's discuss how to check your renewal date.

How to Check Renewal Date?

For Digit car Insurance renewal dates & reminders, you can:

• Check your policy: Your active/previous policy papers include the information on the expiry date. The next day of the expiry is your renewal date.
• Check website: You can also check for your renewal date on InsuranceDekho website. After visiting the website, enter your car details to know when your policy is expiring.
• Connect with Insurer: Your insurer would have the data of your policy even if you don't have it. Just tell them your name and insurance type and they will get you the details of your policy.

Reminder Options:

Mentioned below are options which will remind you actively for your policy renewal date:

• InsuranceDekho Reminder: InsuranceDekho provides this service to remind you when your car is about to expire and suggests to start looking for renewal options. InsuranceDekho reminds you through WhatsApp messages or emails.

• Email or SMS by Insurer: The insurer would also send you an SMS or call you to inform you about an upcoming expiry of insurance.

Documents Required for Renewal

Digit has made purchasing and renewing car insurance very simple, you would need to submit the below-mentioned documents to get your car insured. If you are renewing with a new insurer you would need the following documents:

• Drivers Licence
• Registration certificate of Car
• Insurance papers of previous insurance
• Vehicles mileage

Optional Documents:

• Claim history of the car
• Your car maintenance history
• Vehicle ownership information ( in case you are not the registered owner)

In case you choose the same insurer while renewing you would have to just submit your Registration Certificate (RC) and documents of previous policy.

InsuranceDekho suggests always checking for other insurance companies while renewing so you can get the best deal.

How to Renew Your Digit Car Insurance Policy?

The renewal process of Digit Car Insurance can be done online as well as offline through InsuranceDekho.

Online process

• Step 1: Download the app or visit the official website of Digit.
• Step 2: Fill in your Vehicle’s Make, Model, Variant, Registration Date & the city you drive in. Press ‘Get Quote’ and choose your choice of Plan.
• Step 3: Now you have to select between a Third-Party Liability Only or a Comprehensive Insurance plan.
• Step 4: Provide details regarding your previous insurance policy.
• Step 5: Select add-ons, set the IDV, and confirm if you have a CNG car to get your premium price.
• Step 6: Complete your payment and your policy will be sent to you online.

Online payment options for DigitCar renewal insurance:

You can visit the insurer's website and follow their steps.

Payment Options:

You can choose to make the payment using any of the following modes:

• Credit Card
• Debit Card
• Digital Payment Applications, if applicable.

Offline process

Alternatively, you can opt for the offline approach to renew your Digit Car Insurance policy in the below mentioned 2 ways:

Call or Home Assistance by InsuranceDekho: InsuranceDekho provides advisors on call to help you with your process. You can also arrange a home visit by our relationship manager.

Visit the Insurer's Branch Office: You can even visit the Digit’s branch office in your city for a direct offline process.

Your premium depends on these factors:

• Make, Model, Variant: The cubic efficiency of your engine and the standard of your car influences the premium amount. A luxurious sedan will have a higher premium compared to a standard hatchback car.

• IDV ( Insured Declared Value): A higher IDV for a car will lead to a high premium. IDV is the estimated market value of your car which is calculated considering depreciation, age, and condition of your car.

• Deductibles: Deductibles are the minimum amount a policyholder has to pay on a claim amount after which the insurer pays for the claim. If you can afford to pay a higher amount from your pocket, you can choose a higher deductible amount, and your premium cost will decrease.

• Registration year: Old cars can cost less to repair compared to new cars with the latest features and specifications.

• No Claim Bonus (NCB): No claim bonus deducts the cost of premium on your new policy.

• Add-ons: Add-on covers give more benefits hence causing a rise in premium.

• Type of Policy: A standard third-party liability policy will have less premium when compared to a comprehensive policy, simply because the comprehensive policy has much more benefits.

Things to keep in mind while Renewing Your Car Insurance

It is possible that lower premiums can seem more attractive, but you should look at a better IDV, great facilities, and a reasonable price. Some other things to keep in mind are:

• Age of Car: As your vehicle gets older, the chances of a higher renewal premium increase.

• Inflation Impact: A rise in prices can change the premium a company offers over some time. InsuranceDekho hence recommends always checking for the best offers instead of blindly renewing with the previous insurer.

• Claim History: Expensive claims can affect the premium of your car insurance renewal.

• Grace Period: In case your policy has already expired and you haven't renewed it yet, you can still get the renewal benefits before the grace period ends.

Grace Period Of Digit Car Insurance Renewal

Digit car insurance provides a grace period of 20-30 days for policy renewal. This gives the policyholders some extra time to renew their policy without losing the benefits of renewal in case of failure to renew right after the expiry of the previous policy.

Renew the Expired Digit Car Insurance Policy

You must renew the car insurance latest by the end of the grace period otherwise, you can face the following consequences.

Car Inspection: The insurer is likely to arrange an inspection of your vehicle. This inspection will determine if you are eligible for insurance or not.

Change in Premium: The inspection results will also influence the premium, you might have to pay an extra amount according to the current mechanical and aesthetic condition of your car.

Why Renew with InsuranceDekho?

InsuranceDekho not only helps you to renew your policy but brings many more benefits such as:

• Unbiased Opinion: You can expect unbiased advice from our dedicated team to make your experience more customised and enable you to make a well informed decision.

• Compare quotes: We provide you a platform to compare quotes from a wide range of insurance companies which helps you to compare and select more easily.

• Reminders for Renewal: We update you with our timely renewal reminders so you can stay up to date regarding the expiry of your policy.

• 24x7 Support: InsuranceDekho’s dedicated customer service team is there for you at any time of the day to help clear your queries or provide tailored suggestions according to your needs.

• Port Feature: If you are not satisfied with the policy you purchase, we offer alternate options that suit your requirements and you can port your policy to a different insurer.

Digit Car Insurance Renewal: Customer Support & Assistance

In case you require any assistance or have an urgent query, you can contact InsuranceDekho and we will help you out.

Email: support@insurancedekho.com

Helpline Number: 755 1196 989

You can also directly contact Digit through the given channels:

Email: hello@godigit.com

Whatsapp No.: 7026061234

Toll Free: 1800-258-5956