digit
digit Car Insurance Feature
Claim Settlement Ratio
96%
Network Garages
6600+
digit Car Insurance Coverage
| Insurance Package | Comprehensive | Third-party Liability |
|---|---|---|
| Expenses on Third Party Vehicles | ||
| Expenses on Third Party Property | ||
| Injuries/Death on Third Party Person | ||
| Expenses on Own Car Damage | ||
| Burglary / Theft | ||
| Damage Due to Fire | ||
| Damage Due to Natural Disasters | ||
| Personal Accident | ||
| Customize Your IDV | ||
| Coutomize Add on |
Coverage Exclusions
- Own Damages for Third-Party Policy holder（In the case of a Third-Party or Liability Only Car Policy）
- Drunk Driving or without a Licence
- Driving without a valid Driving Licence holder
- Consequential Damages
- Contributory Negligence
- Add-ons not Bought
digit Car Insurance Discount Information
Calculate Your Car No Claim Bonus
| Consecutive claim-free policy tenure | Percentage of markdown on own-damage premium |
|---|---|
| One claim-free period | 20% |
| Two consecutive claim-free periods | 25% |
| Three consecutive claim-free periods | 35% |
| Four consecutive claim-free periods | 45% |
| Five consecutive claim-free periods | 50% |
a comprehensive policy offers other benefits like the No-Claim Bonus (NCB).
NCB (No Claim Bonus) definition: NCB is a discount on premium given to the policyholder for having a claim free policy term.
How to Transfer NCB to New Car Insurance?
Documents Required for NCB Transfer
- Copy of delivery note that you’ve received for the sale of the old car
- Copy of insurance policy of the old car
- Copy of the booking form that you received for purchasing the car
Calculate Your Car Depreciation
| Car’s Age | Depreciation |
|---|---|
| 6 Months | 5% |
| 6 Months – 1 Year | 15% |
| 1 – 2 Years | 20% |
| 2 – 3 Years | 30% |
| 3 – 4 Years | 40% |
| 4 – 5 Years | 50% |
A Bumper-bumper or Zero dep cover or Parts Depreciation Cover, makes sense for cars less than 5 years old. Like everything in life, there is a decrease in value of certain parts of your car, including the bumper or any other metal or fibre glass parts.
So, when a damage happens, the full cost of replacement is not given as depreciation is deducted from the claim money. But this add-on makes sure there is Zero Depreciation and you get the full value of the cost of repair/replacement provided.
digit Car Insurance Add on Covers
Zero depreciation
Ideal for cars less than 5 years old, zero depreciation cover allows you to nullify the depreciation charged on your car and its parts and gives you the full value of repairs, costs and replacements during a claim.
Engine and Gear-box Protection
However, with the engine and gear-box protection cover, you can specifically cover for the life of your car (the engine and gearbox!) from any consequential damages caused post the accident.
Consumable Expenses
A consumable cover gives your car an additional layer of protection. It covers the cost for all your car’s nitty-gritties, such as the engine oils, screws, nuts and bolts, grease, etc in a situation of an accident.
Key and Lock Protect
The cost incurred by the policyholder for repairing or replacement of the lockset in the car in case of theft, loss or damage is covered by the insurer as part of the Key and Lock Protect add-on cover.
Loss to Personal belongings
If the policyholder or any immediate family member suffers from any loss of personal belongings specified as per the policy when kept in the insured vehicle, it shall be compensated by the insurer.
Breakdown Assistance
We all need a little help sometimes! Our Breakdown Assistance Add-On gives you the benefit of taking help whenever required, i.e assistance during car breakdowns at any time you’d like. The best part? It doesn’t even count as a claim!
Return to Invoice
In case of theft or damages beyond repair, return to invoice add-on gives you the benefit of getting back the complete amount of your car’s invoice value, including the cost of registering a new vehicle and its road tax respectively.
Daily conveyance benefit
The Daily Conveyance Benefit add-on offered by insurers ensures that policyholder gets compensated for daily transport in the form of a fixed daily allowance or a standby vehicle for the time when the insured vehicle is in the garage for repairing.
Pay as you drive
Pay as you drive cover makes the policyholder eligible to avail discount on the premium of Own Damage cover of the base policy based on the opted plan. The option to top up kilometers is also offered under the base policy by paying additional premium.
EV Shield Add-on
This EV Shield add-on cover for electric cars in India will protect you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and offer roadside assistance services specific to EVs.
digit Car Insurance Flow
How to Buy digit Car Insurance
- Fill your Vehicle’s Make, Model, Variant, Registration Date & the city you drive in. Press ‘Get Quote’ and choose your choice of Plan.
- Choose between a Third-Party Liability Only or a Standard Package (Comprehensive Insurance).
- Give us details about your previous insurance policy- Date of expiry, Claim made in the last year, No Claim Bonus earned.
- You will get quote for your premium. If you have chosen a Standard Plan you can customize it further by selecting add-on’s, setting the IDV and confirming if you have a CNG car. You will see the final premium on the next page.
You can pay through Net Banking, Debit Card, Credit Card, etc., after which you will receive your car insurance in the registered mail within a few minutes.
Documents Required to Buy Car Insurance Online
- Aadhaar Card, PAN Card and Government-issued ID cards.
- Address proof of the policyholder.
- Recent passport size photograph
- Driving licence
- Bank statement
- Vehicle registration number
- Registration certificate
- PUC papers
How to Claim digit Car Insurance
If you have a Digit Car Insurance Policy, the car insurance claim process is easy breezy, just follow up the steps below:
- For claims, just call on 1800-258-5956. No forms to be filled.
- Get a link for Self-Inspection on your registered mobile number
- Shoot your vehicle’s damages from your smartphone through a guided step by step process
- Our team will then assess the damages and get back with an estimate
- Post that, you may choose the mode of of repair you wish to opt for; i.e Reimbursement or Cashless Settlement through our network of garages. We have more than 1000 cashless garages that you can use, available across India.
The following documents will have to be submitted to make a car insurance claim for accidents.
- Duly-filled and signed claim form.
- A copy of your vehicle’s RC.
- A copy of your valid Driving License.
- A copy of the first 2 pages of your policy document.
- A copy of the FIR.
- The original estimate, invoice, and payment receipt for cash and cashless garage.
digit Car Insurance Review
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Really Very competent service. Case Should be managed by Abhishek Kumar surveyor is very Polite & helpfully person thank you I strongly recommend go digit. I want to buy Go Digit policy it’s is new company to growing a well insurance company really appreciate Go digit I am satisfied your service that’s why give 5 of 5 ratings I Wishing you go Digit no 1 Insurance company in coming year.
Services of Go digit is awesome, especially Mr Yasser Amin surveyor is very kind and cooperative. So, I strongly recommend Go digit. When I buy go digit policy, I was hesitating as it is new player in insurance sector but after using its services, I am satisfied. I give 5 out of 5 star to go digit. Cash less claim network is also fabulous. I wish go digit to be No 1 company in coming years.
Prompt followup & good backup by GO Digit team, even in this pandemic lockdown. Special thanks to Mr. Abhishek Kumar pathankot for all the efforts & backup.
One is the best and easiest insurance claims process i have had. Very helpful customer care and efficient surveyors (Mr. Satish Kumar in my case). Just upload the photos and get your claim processed. Reimbursement also done very fast. Great going godigit!!!!
It gives me immense pleasure to share my recent experience with Digit. Now, I can say it is the best insurance service provider in market, in terms of claim settlement and customer support. I would like to convey my sincere thanks to Mr. Ratna (surveyor) who handled my case in very professional manner. He advised me the right thing at the right time and this is what you expect from your insurer. Expecting Digit to continue the same quality of service in future.
It is great experience and pleasure to have been associated with Digit insurance. The entire process seemed to be so easy and customer friendly that I didnt stress myself over my car getting ready at workshop. You get a link and yourself click the photos of your damaged car and create the claim number for the same. Further entire care is taken by your surveyor. In my case Mr. Mhatre was extremely helpful and quick to reapond in all the matters. Definately better than my earlier Insurer. Go Go Digit!!
digit Company Information
| Company Name | Go Digit General Insurance Limited |
| Tollfree | 1800-258-5956 / 1800-103-4448 |
| hello@godigit.com | |
| Registered Address | Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095. |