Digit Car Insurance

About Digit Car Insurance

Digit Car Insurance is a digital-first insurance company that aims to provide affordable and accessible insurance to car owners in India. The company offers one of the best car insurance in India. It has policies that cover damage to the insured car and third-party liability. The policy also provides coverage for natural disasters and man-made calamities.

Digit Car Insurance is known for its hassle-free and quick online process that allows customers to easily purchase, renew, and manage their policies. The company prides itself on its customer-centric approach and offers 24x7 customer support for any queries or assistance required.

Digit Car Insurance also provides a range of add-ons to enhance policy coverage, such as zero depreciation cover, engine protection cover, and more. With its user-friendly interface and transparent policies, Digit Car Insurance is one of the best car insurance providers in India at the moment.

Key Features and Benefits of Digit Car Insurance Online

Digit Car Insurance offers several key features and benefits for its customers:

• One of the biggest advantages of Digit Car Insurance is the instant policy issuance with minimal documentation. Additionally, the company offers zero processing fees for policy purchase and renewal, making the car insurance price cost-effective for car owners.

• Another huge benefit is the cashless claim settlement at network garages, which can save time and hassle in the event of an accident or damage to the car. The company also offers 24/7 customer support through chat, call, or email, ensuring customers easily get assistance whenever required.

• Digit Car Insurance has a massive network of 6000+ garages where you can avail of cashless repairs for your insured vehicle. Moreover, they also offer pick-up and drop facilities to the garages in their network.

• With premiums starting as low as ₹2094, it is one of the most reasonable car insurance options available in the market.

• They also offer coverage for own damages in their car insurance policy.

• Finally, Digit Car Insurance makes it easy to renew policies and file claims online, making the process quick and convenient for customers.

Overall, these key features and benefits make Digit Car Insurance a popular choice for car owners in India.

Digit Car Insurance Add-Ons

Digit Car Insurance proffers a variety of add-ons to enhance the coverage and protection of the basic policy. These add-ons are customisable, thereby making the policy more comprehensive. Some of these include:

1. Roadside Assistance cover: This add-on provides support in case of vehicle breakdown, flat tyres, battery jumpstart, or emergency fuel delivery. It ensures the car owner is not stranded on the road and can get immediate help in an emergency.

2. Zero Depreciation cover: This add-on provides the full claim amount without factoring in the depreciation of car parts. It means that in case of a claim, the car owner gets the entire value of the replaced parts without any deductions for depreciation.

3. Engine and Gearbox Protection cover: This add-on provides coverage for damages to the engine and gearbox due to water ingression or leakage of lubricating oil. Such impairments can be expensive to repair, and this add-on ensures that the car owner is covered for such eventualities.

4. Return to Invoice cover: This add-on provides the full invoice value of the car in case of total loss or theft. It ensures that the car owner does not suffer a financial loss in case of such unfortunate events.

5. Consumable Expenses cover: It covers the cost of consumables like engine oil, brake oil, and coolant in case of accidental damage. Such expenses can add up to a significant amount, and this add-on ensures that the car owner is not burdened with these expenses.

These add-ons deliver more customised and comprehensive coverage to the car owner, thereby ensuring peace of mind and financial protection in an emergency.

Digit Car Insurance Claim

Knowing how to file a claim is crucial when dealing with car insurance. Digit Car Insurance makes it easy to initiate the process. The company gives coverage for various scenarios:

• Accidental damage to the insured car

• Theft of the insured car

• Third-party liability

• Natural calamities such as floods, earthquakes, or cyclones

• Man-made disasters such as riots, strikes, or terrorist activities

In case of any of these scenarios, the first step is to notify the insurance company as soon as possible. You can do this through the company's website, mobile app, or by calling their customer service. Once the claim is initiated, a company representative will guide you through the process and explain the necessary steps and documents required to complete the claim.

Digit Car Insurance offers a cashless claim facility, which allows policyholders to get their car repaired without paying out of their pockets. In such cases, the company coordinates with a network of garages to repair the insured vehicle.

The policyholder needs to submit only the necessary documents, and the insurance company takes care of the rest.

Alternatively, policyholders can also opt for reimbursement claims. It means they pay for the repair costs and later get reimbursed by the insurance company.

Policyholders must provide the necessary documents, such as bills and invoices, proof of payment, and a claim form to file a reimbursement claim.

How to file a car insurance reimbursement claim?

To file a reimbursement claim, you need to follow the steps given below:

• Inform Digit Car Insurance about the damage and register a claim through the website or mobile app.

• Submit the necessary documents, such as the FIR copy, driving license, policy document, and claim form.

• Digit will verify the claim and approve the reimbursement amount.

• You can receive the reimbursement amount directly to their bank account.

Documents required for cashless and reimbursement claims

For cashless claims, this is the standard list of documents required:

• Insurance policy document

• Driving license

• Vehicle registration certificate

• Cashless request form

• Original repair invoice

For reimbursement claims, this is the standard list of documents required:

• Insurance policy document

• Driving license

• Vehicle registration certificate

• Original repair invoice

• FIR copy in case of third-party damage or theft

• Claim form

Digit Car Insurance Claim Rejection Reasons

It is essential for you to understand the claim process to avoid any hassle during settlement. The claim request can be raised in various scenarios like accidents, theft, or damages to the car.

However, certain situations can lead to claim rejection, such as:

• Driving under the influence of alcohol or drugs

• Invalid or expired driving license

• Negligence or carelessness leading to the accident

• Non-disclosure of previous claims or accidents

Digit Car Insurance No Claim Bonus

Digit Car Insurance offers a no-claim bonus to policyholders who have not made any claim in the previous policy year. The bonus can be availed as a discount on the premium during policy renewal. The eligibility and payout-related details vary depending on the number of claim-free years.

Digit Car Insurance Premium Calculator

The Digit Car Insurance Premium Calculator is a convenient and reliable tool that helps car owners in India estimate their insurance premiums. In other words, it helps calculate your car insurance price.

By entering details like the car model, age, location, and coverage type, the calculator instantly generates an estimate of the policy's premium cost. It saves time and eliminates the need for manual calculations, which can be prone to errors.

Additionally, customers can use the tool to experiment with different coverage options to find the best-suited policy for their needs and budget.

The Digit Car Insurance Premium Calculator is free to use and available on the company's website, making it accessible to anyone looking to purchase car insurance in India. Overall, this tool is a valuable resource for car owners seeking to make informed decisions about their insurance coverage.

Benefits of Car Insurance Premium Calculator:

A car insurance premium calculator is a handy implement that can help car owners calculate the premium amount they must pay for their insurance policy.

• One of the primary benefits of using a car insurance premium calculator is that it provides a quick and easy way to calculate the premium amount. It is a time-saving and convenient method, eliminating the need for manual calculations. You also don't have to pay a visit to an insurance agent.

• Additionally, using a premium calculator can help compare different policy options and their premium rates, providing car owners with an understanding of the most appropriate insurance policy for their specific needs keeping in mind car insurance prices.

• The calculator uses the details entered by the car owner to provide an accurate premium calculation. Overall, a car insurance premium calculator can help car owners save time and money while selecting the best insurance policy for their vehicles.

Digit Contact Details:

There may be times you need to contact Digit's team for queries. For that exact reason, Digit also has very accessible contact details.

Customers can visit the website or contact the customer support team for any concerns related to their car insurance policies.

Digit's website is and their customer care number is 1800-258-5956. You can also email them at hello@godigit.com or WhatsApp them at 70260 61234.

Digit Car Insurance Policy Document

The policy document is of paramount importance. It captures the details of the car insurance policy, including the coverage details, terms and conditions, and policy period.

It is crucial to keep the policy document safe for future reference. It is needed while filing claims, as well as while getting new insurance in the future.

How to Download Digit Car Insurance Policy Online Using Policy Number?

Downloading the Digit car insurance policy online using the policy number is hassle-free. This process saves time and effort compared to the traditional method of getting a hard copy of the policy document.

You can access your policy document anytime and anywhere, as long as you have an internet connection. All you need to do is:

• Visit the Digit Insurance website and click the 'Download Policy' option.

• You will be asked to enter your policy number and other relevant details.

• Once you have provided the required information, the policy document will be available for download in a PDF format.

Having a digital copy of your car insurance policy is an eco-friendly alternative to a paper copy, and it ensures that you don't misplace the document.

Overall, downloading the Digit car insurance policy online using the policy number is a convenient and straightforward process that saves time and offers easy accessibility.

How to Get a Hard Copy of a Digit Car Insurance Policy

To get a hard copy of your Digit car insurance policy, follow these simple steps:

• Visit the official website of Digit Insurance.

• Log in to your account using your registered mobile number and password.

• Click on the 'View/Download Policy' option on the dashboard.

• Select the policy you want to receive in hard copy and click on the 'Request Hard Copy' button.

• Enter the shipping address where you want to receive the hard copy of the policy.

• Make the payment for shipping and handling charges if applicable.

• Review the details and click on the 'Confirm' button.

Once the request is confirmed, you will receive a physical copy of your car insurance policy within a few days.

How Can I Make Changes In My Digit Car Insurance Policy Document?

If you want to make changes to your Digit car insurance policy, such as updating your personal details or adding or removing add-ons, you can do so easily by following these steps:

• Visit the official website of Digit Insurance.

• Log in to your account using your registered mobile number and password.

• Click on the 'View/Download Policy' option on the dashboard.

• Select the policy you want to make changes to and click on the 'Modify Policy' button.

• Select the changes you want and follow the on-screen instructions to complete the process.

• Review the details and click on the 'Confirm' button.

Digit Car Insurance Renewal

Renewing your Digit car insurance policy comes with several benefits, including continued coverage without any breaks, protection against any damages, and a chance to avail of any new policy benefits and add-ons that the company may have added since your last policy term.

Car insurance renewal online is a hassle-free process. Renewing your Digit car insurance policy online is straightforward; it can be done in just a few minutes. Here's how:

• Visit the official website of Digit Insurance.

• Log in to your account using your registered mobile number and password.

• Click on the 'Renew Policy' option on the dashboard.

• Enter your policy details and select the renewal term.

• Review the details and click on the 'Renew' button.

• Make the payment for renewal premium for car insurance renewal online service.

It's important to note that you should renew your Digit car insurance policy before it expires to avoid any lapse in coverage. If you fail to renew your policy on time, you may have to undergo a vehicle inspection and lose the no-claim bonus you may have accumulated over the years.

Furthermore, when renewing your Digit car insurance policy, you also have the option to add additional coverage or opt for higher coverage limits to ensure that you are adequately protected in case of an accident or damage to your vehicle.

Digit Third-Party Car Insurance

Third-party car insurance is a mandatory requirement in India for all vehicles. Digit Insurance offers third-party car insurance that covers various kinds of damages to third-party vehicles or property caused by your car. It also covers third-party injuries or death resulting from an accident involving your car.

Third-Party Car Insurance Coverage

When it comes to purchasing car insurance, one of the options available to car owners is third-party car insurance coverage.

• Digit's third-party car insurance policy provides coverage for any damage caused to a third-party vehicle or property due to an accident involving your car.

• It also covers any injuries or death caused to a third party as a result of the accident.

• Additionally, if there are any legal proceedings against you related to the accident, Digit's third-party car insurance policy covers the legal fees.

While third-party coverage may not provide as extensive coverage as comprehensive coverage, it is still a significant policy to consider, especially for those on a tight budget. It can provide the financial protection necessary to cover the costs of any damages or injuries caused to a third party in the event of an accident.