GO DIGIT COMPREHENSIVE CAR INSURANCE

Digit general insurance company was founded in year 2016 in Bangalore, India. Digit insurance deals in general products such as car insurance, bike insurance, health insurance, travel insurance etc. Companies claim settlement ratio is close to 80.20 %in year 2021-22.

What is meant by Go Digit Comprehensive car insurance?

A comprehensive car insurance plan is a plan that covers the insured person against third-party liability as well as own damages. A comprehensive car insurance policy covers unforeseen incidents like accidents, theft, fire, and natural calamities.

Key benefits of buying Go Digits comprehensive car insurance policy?

Buy policy of your own choice- You have the option to buy a car insurance policy of your choice and preference.

Easy renewals- The renewal process of the policies is very easy, simple, and quick with zero documentation process.

Feature of no claim bonus- Discount also called as a No Claim Bonus is up to 50% on premium rates.

Additional Discounts- Discounts on premium for handicapped, blind persons.

Availability- 24*7 availability of customer service.

Coverages in Go Digit comprehensive car insurance policy-

1. Comprehensive policy covers the cost of repairs.

2. It also includes passenger cover up from 50k to 2 lacs per person for the safety of passengers.

3. Comprehensive car insurance policy includes owner-driver cover, which is up to 15 lacs.

4. The third-party liability is unlimited in case of the death of the third person. Coverage of the third party is decided on his age, income, and number of dependents.

How to purchase Third party car insurance for GO DIGIT?

Step 1. Go to the online website of https://quickinsure.co.in/

Step 2. Click on car insurance

Step 3. Enter your REGISTRATION no. According to your RC

Step 4. You will find a quotation for car insurance from Go digit insurance and other insurers.

Step 5. You can select the quotation of Go digit and fill out the proposal form.

Exclusions in Go digit Comprehensive car insurance policy.

1. Normal wear and Tear of a car and the parts of a car.

2. Policy got cancelled if any uncertain event happens by mistake of the driver.

3. If the driver doesn’t have a valid license, then its also not covered.

4. If the vehicle is used for commercial use or for business purposes, then it also not cover under go digits terms.

5. If there is a drink and drive case then also claim got cancelled.

 

Comprehensive car insurance.	Third party insurance.
Premiums depends upon the cubic capacity of the car.	Premiums depends on engine capacity along with make, model and variant ,location of the vehicle
No extra Add-ons are available.	A range of add-ons are available, varies from plan to plan.
Can be taken only for 1 year, and for new vehicles, mandatory 3 years for cars.	Bundle policies of one-year own damage +3 years third party for new cars and one year own damage +5 years third party for new bikes
Mandatory by motor tariff act.	Not mandatory.

 

What is IDV in GO Digit Comprehensive Car Insurance?

Insured Declared Value is the full form of IDV. IDV is the present market value of your vehicle. The depreciation factor reduces the IDV of the car every year.

Calculation:-

= Manufacturers listed selling price-Depreciation

What is Endorsement in GO Digit Comprehensive Car Insurance?

Endorsement is useful when you wanted to delete, add, change, and exclude coverage offered by the existing policy.

How does endorsement work in Go Digit?

Go digit issues endorsements when the policy is purchased, at the time of policy renewal, and mid-term of the policy.

 

FAQs

1. How does Go Digit's comprehensive car insurance work?

Comprehensive car insurance helps to cover the cost of damages when you are involved in an unfortunate accident. It covers theft and vandalism.

2. What are the add-on covers for car insurance of Go Digit general insurance?

Go Digit comprehensive car insurance provides add-on such as Bumper to bumper cover, Key replacement Cover, Roadside assistance cover, NCB Protector, Hydrostatic lock Cover and return-to-invoice cover

3 . Is comprehensive insurance mandatory?

Buying a comprehensive policy is not mandatory by law, but because of its coverage and benefits, it is the preferred choice for many car owners.