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Go Digit Own Damage Car Insurance
Stand-alone OD car insurance covers damage caused to your own car. It helps to pay all the repair expenses that happen due to any natural or man-made disasters. This type of insurance is not compulsory under the law and regulation of the government, however, you should buy it to cover your own bike damage.
Key Feature of Go Digit Standalone OD Car Insurance
Some of the main features of Go Digit car insurance are:
- 01
Get Your Car Repaired Anywhere
The cashless garage is the best solution to repair your car without any prior cash arrangement. Go Digit has 6000+ cashless garage centers that give the best car service to customers.
- 02
24*7 Customer Support Service
Digit Insurance Company provides efficient customer service to ensure a hassle-free experience for customers. You can resolve your query even on non-working days.
- 03
Faster Claim Settlements
This company has a claim settlement ratio of 90.72%, which indicates that the company settles claims quickly.
- 04
Customise IDV for your vehicle
You can also decide your IDV (Insured Declared Value) by determining the payment of the premium amount. It is the amount that insurers pay once your car gets fully repaired.
- 05
Faster and Simpler Experience
Due to the use of technology, the process to buy and claim for insurance policies has been simplified. You can use your smartphone and purchase the policy within a few minutes.
Motor Insurance Plans By Go Digit
What Is Covered and Not Covered in Digit Standalone OD Car Insurance
Here are some inclusions and exclusions of the standalone own-damage car insurance:
What it Covers
Loss by Fire
Go Digit provides compensation for the loss caused by fire, explosion, or self-ignition of the car. Damage due to riots and strikes is also covered.
Loss by Natural Disasters
In case of flood, storm, lightning, or earthquake, you can claim financial help from the insurer.
Accident damage
You are also eligible to get coverage for damages caused to your car at the time of any accident.
Theft
Any loss by theft is also covered in the Go Digit car insurance plan.
What Does it not Cover
Third-party Liability
In a standalone plan, you do not get coverage for third-party liability.
Drunk Driving
If a person has consumed alcohol (or any other drug) and met with an accident, then he is not eligible to get compensation for damage.
Driving without a License
Any damage to the car without a license is also not covered.
Regular wear and tear
No compensation is provided for an electrical or mechanical breakdown that takes place without any accident.
Difference Between Go Digit Third-Party, Comprehensive, and Standalone OD
| Basis | Third-party | Comprehensive | Standalone |
|---|---|---|---|
| Coverage | Covers damage to the third-party | Covers both your own car and third parties. | Provide coverage to your own car. |
| Legal requirement | Mandatory under law | Not compulsory | Not compulsory |
| Cost involved | It is less costly. | High cost is involved | Moderate cost. |
| Coverage for theft, fire, and natural disasters | Not covered | Covered | Covered |
| Suitability | Fulfill legal requirements | Additional protection and security | New and expensive cars |
How to Buy a Go Digit Car Insurance Plan?
To buy Digit car insurance from Square Insurance, you have to follow the given steps:- Visit the official website of Square Insurance.
- Under the “Insurance Product” menu, click on the “Car Insurance” optio
- Click on the “Got a New Car” option
- If you already own a car, enter the registered car number
- Click on “view plans.
- Fill out all the details of the car, such as RTO, make, model, variant, and registration year.
- Select “Go Digit” to look at the available plans.
- Select a suitable plan and make payment for it
- Get a confirmation mail on your e-mail ID.
Disclaimer: Please refer to your policy documents to know the exact coverage.
FAQs
If your car is in transit by road, rail, or water and gets damaged, you get coverage for the same.
There are many benefits of buying a Go Digit insurance plan:No Claim BonusSelf-inspection to raise a claimEasy settlement of claimsDedicated customer serviceYou get many add-ons
No, you have to purchase separate third-party car insurance for third-party coverage.