Digit Car Insurance
Founded in 2016, Digit General Insurance is a private insurance company as well as an online platform offering an array of non-life general insurance products and services. Its range of insurance products includes car insurance, bike insurance, mobile insurance, jewelry insurance, travel insurance, commercial vehicle insurance, and home protection. Headquartered in Bengaluru, Digit General Insurance comprises two registered offices in Bengaluru and one in Pune. The company aims to make the car insurance process simpler and hassle-free while redesigning the entire process.
Digit General Insurance provides car insurance backed with several useful features such as over 5,800 cashless network garages, 24X7 active customer support even on National Holidays. The insurer also provides various services such as doorstep pick up and repair, cashless repairs, super-fast claim settlement, no claim bonus, etc. The insurance company offers all kinds of car insurance policies, including:
- Third-party car insurance policies
- Comprehensive car insurance policies
- Standalone own-damage car insurance policies
Digit Third Party Car Insurance: According to the Indian Motor Vehicles Act 2002, every car owner is mandated to have a third-party insurance cover. A third-party car insurance policy offers coverage against all third-party liabilities that might arise from a mishap involving your car. Digit third-party car insurance policy insures against financial liabilities that might arise because of third-party death and bodily injuries. For third-party property damage due to your car, it compensates only up to Rs. 7.5 lakh. Digit General Insurance offers third-party car coverage for 1 year as well as for 3 years and 5 years with optional personal accident coverage of up to Rs 15 lakh.
Digit Comprehensive Car Insurance: This policy offers protection against damage suffered by the insured car or vehicle as well as third-party liabilities (both for life and property). Digit comprehensive car insurance policy covers the insured vehicle against any damage/ loss sustained in a road accident, theft, natural or man-made calamity, or any other disaster in addition to the third-party liabilities.
Digit Standalone Own-Damage Car Insurance:
Digit standalone own-damage insurance policy takes care of the own-damage expenses in case of a mishap. It covers a wide variety of situations such as road accidents, vandalism, theft, fire, natural and manmade calamities. Although it is not mandatory; however, the coverage it offers makes it a significant addition in times of crisis by providing financial stability.
Digit General Insurance also offers add-on covers to provide wider coverage and helps in strengthening the insurance cover. The add-on covers include:
- Zero depreciation cover
- Return to invoice cover
- Passenger cover
- Tyre protect cover
- Breakdown assistance
- Consumable cover
- Engine and Gearbox protection cover
Benefits of Digit Car Insurance
| Features | Digit Benefit |
| Premium | Starting from ₹2072 |
| No Claim Bonus | Up to 50% Discount |
| Customizable Add-Ons | 7 Add-ons available |
| Cashless Repairs | Available at 5800+ Garages with Doorstep Pickup & Drop |
| Claim Process | Smartphone-enabled Claim process. Can be done online within 7 minutes! |
| Claim Settlement Ratio | 96% Claims Settled for Private Cars * |
| Own Damage Cover | Available |
What is covered under Digit Car Insurance?
- Accidents: Damages and losses that might arise due to accidents or collisions.
- Natural Disasters: Damages and losses to the vehicle due to natural calamities like cyclones, floods, etc.
- Personal Accident: In case of death or disability of the owner of the car due to a car accident.
- Theft: Covers the losses incurred if your car is stolen.
- Fire: Damages and losses caused to your car due to an accidental fire.
- Third-Party losses: In case your car causes damage and losses to someone else, their vehicle, or their property.
What is not covered under Digit Car Insurance?
- Own Damages for Third-Party Policyholder: In the case of a Third-Party or Liability only Car Policy, damages to own vehicle won’t be covered.
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- Consequential Damages: Any damage not directly due to an accident, for example after an accident, if the car is driven incorrectly and the engine gets damaged, then it will not be covered.
- Drunk driving or without a license: In case you were driving drunk or without a valid license.
- Contributory Negligence: Any contributory negligence that is damage to the car due to driving a car in a flood that is not recommended in the manufacturer’s driving manual will not be covered.
- Driving without a valid Driving Licence Holder: In case you hold a learner’s license and are found driving without a valid driving license holder in the front passenger seat.
- Add-ons not bought: Certain situations are covered under the add-ons. If you don’t purchase add-ons then the corresponding situation will not be covered.
How to file a Digit Car Insurance Claim?
Digit Car insurance claim process, fast and hassle-free. Below are the steps:
Step1: You need to call 1800-258-5956, no need to fill forms.
Step 2: You will get a link for self-inspection on your registered mobile number. Click pictures of your vehicle’s damage from your smartphone according to the guided step-by-step process.
Step 3: Opt for your preferred mode of repair that is Reimbursement or Cashless through Digi Insurance network of garages.
Documents required during Digit Car Insurance Claim Settlement
Below is the list of documents that are required for Digit Car Insurance Claim Settlement:
- In case of an Accident
- Original policy documents of your car insurance
- Duly filled and signed claim form
- Copy of Registration Certificate (RC)
- Copy of Driving License
- Copy of FIR (First Information Report)
- Original tax receipts
- Estimate of cost of repairs
- Receipts/ bills once the repair has been done
- In case of Third-Party Claims
- Duly filled and signed claim form
- Original/Copy of car insurance policy
- Copy of Registration Certificate (RC)
- Copy of Driving License
- Copy of FIR (First Information Report), if required
- In case of Theft
- ‘No Trace Report’ of the insured two-wheeler from the police
- Original Registration Certificate (RC)
- Duly filled and signed 26, 28, 29, 30, and 35 Forms
- Theft declaration from Regional Transport Office
- All sets of keys/Warranty Card/Service Booklets