Digit’s Car Insurance
What’s Covered in Digit Car Insurance
Accidents: Damages and losses that may arise out of accidents and collisions
Theft: Covers for the losses incurred when your car is unfortunately stolen
Fire: Damages and losses caused to your car due to an accidental fire
Natural Disasters: Damages and losses to your car in case of natural calamities such as floods, cyclones, etc.
Personal Accident: If there is a car accident and unfortunately, it leads to death or disability of the owner
Third Party Losses: In cases where your car causes damages and losses to someone else, their car or property.
Add-on Covers
Zero Depreciation Cover: 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.
Return to Invoice Cover: 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.
Tyre Protect Cover: Generally, tyre damage isn’t covered in standard insurance unless the damage takes place during an accident. That’s why this tyre protect add-on gives you the benefit to safeguard and cover for tyre damages such as tyre bursts, bulges or cuts during all other situations possible.
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!
Consumable Cover: 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.
Engine and Gear-box Protection Cover: Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard car insurance policy, only damages caused during the accident are covered. 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.
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.
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.
Pay as you drive Cover: 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.
What’s not Covered.
Own Damages for Third-Party Policy holder: In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.
Drunk Driving or without a Licence: You were driving drunk or without a valid driving licence.
Driving without a valid Driving Licence holder: You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.
Consequential Damages: Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)
Contributory Negligences: Any contributory negligence (e.g., damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Add-ons not Bought: Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Download Brochure
Starting from ₹2094
Up to 50% Discount
10 Add-ons available
Available at 6000+ Garages with Doorstep Pickup & Drop
Smartphone-enabled Claim process. Can be done online within 7 minutes!
Available
Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages