Digit Third Party Car Insurance
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Digit Third Party Car Insurance
As per the Indian Motor Tariff 2002, it is mandatory for every car owner to have at least a third party insurance cover. A third party car insurance cover insures you against all the third party liabilities which may arise due to a mishap such as a road accident involving your car. The third party car insurance policy provided by Digit General Insurance insures you against financial liabilities which may arise due to third party death/bodily injuries. It also provides compensation of up to Rs. 7.5 lakh for third party property damage caused by your insured car. Digit General Insurance offers both 1 year as well as long-term (3 years and 5 years) third party car insurance policy along with optional personal accident cover of up to Rs. 15 lakh.
Digit Third Party Car Insurance vs Comprehensive Car Insurance
Basis | Third Party Car Insurance | Comprehensive Car Insurance |
Coverage | A third-party car insurance policy provides financial as well as legal protection for the owner of the car. The third-party liabilities are covered with this plan which comprises injuries, death or property damage of the third party arising due to an accident or a mishap. | Comprehensive car insurance cover gives an all-around coverage to the car owner. This type of car insurance policy gives coverage and compensation to the car owner against the damage sustained by the policyholder’s car and third-party liabilities arising due to unfortunate accidents or any mishap. |
Availability of Add-on covers | There is no possibility of including an add-on cover with a third party policy to enhance the policy cover. | A range of add-on covers is available with car insurance which can be added to the comprehensive car insurance policy. |
Legal requirement | It is mandatory for every car owner to buy a third party car insurance policy as per the Indian Motor Tariff. | Buying a comprehensive car insurance policy is optional and recommended but not a compulsion under law. |
Covered Vs Not Covered Under Digit Third-Party Car Insurance
It is important to be well-informed about the inclusions and exclusions of a policy. While making a purchase, it's crucial to understand the inclusions and exclusions of the Digit Third-Party car insurance policy.
Inclusions
- Third-Party Property Damage: A cover for property damage is provided for cases where you need to pay compensation for causing damage to someone's property in a car accident. This cover can not exceed Rs. 7.5 Lakh.
- Third-Party Injury/Death: Medical expenses of the victim are covered if you injure a person in a car accident. There is no limit on this cover and the insurer covers all the expenses. In case the victim dies due to the accident, the MACT decides the compensation amount and the insurer pays it to the family of the victim.
- Personal Accident Cover: Digits personal accident cover is an optional add-on that provides cover to financially safeguard the policyholder in case he/she injures themselves in an accident.
Exclusions
- Own Damages: Any damages to your car are not covered under third-party car insurance policy.
- Driving Under the Influence of Alcohol or Drugs: If it is proved that you were driving under the influence of alcohol or drugs at the time of the accident, your claim will be denied.
- Theft of Vehicle: No claim is provided in case the car is stolen.
- Learning to Drive Without Supervision: According to the law, any person with a learner's license can not drive in the absence of a license holder. If it is found out that the learner was driving without the supervision of a license holder and gets involved in an accident, then no claim will be provided.
Factors That Affect Your Third-Party Car Insurance Premium
The pricing for third-party car insurance policies are standardized by the IRDAI. It is only based on the car's engine cubic capacity. Hence there are no other factors that affect the third-party premium.
How To Calculate Third-party Car Insurance Premiums Online?
The premium price for third-party car insurance remains the same for everyone as directed by IRDAI, however, if you purchase any add-ons the prices will increase with every add-on.
Digit Third Party Car Insurance Support
InsuranceDekho offers support in multiple ways. If you need assistance with purchasing, renewing, or filing claims for your third-party car insurance, kindly get in touch with our customer service at
- Calling on +91-7551196989
- Emailing at support@insurancedekho.com
You can contact the support team of Digit by:
- Calling on: 1800-258-5956
- Emailing at: hello@godigit.com
- Whatsapp on: 7026061234
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Digit Third Party Car Insurance FAQs
What happens if I am involved in an accident in a different city or state?
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.
How much compensation is provided if an accident results in permanent total disability of a third party?
The final compensation amount is decided by a court of law and the indemnification cost is borne by the Insurer.
Does the insurer bear the expenses incurred during a court trial involving the insured car?
Yes, the Digit third party liability cover offers indemnification for the expenses incurred during a court trial.
Do I get coverage for car theft under Digit third party car insurance policy?
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.
Can I extend the coverage for the Digit third party car insurance 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.
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