GO Digit Third-Party Car Insurance
As per Indian Law, third-party insurance is compulsory for any car user. It provides financial protection against damage or injury caused to another party at the time of a road accident. It will help you to pay for any repair costs or medical expenses for a third party.
Key Features of Go Digit Third-Party Car Insurance
Go Digit third-party car insurance has some features. Let’s have a look at some of them:
1Easy purchase
You can purchase a Digit third-party car insurance policy through a smartphone in just a few minutes. It does not include any vehicle inspection, which makes the process easy and hassle-free.
2Easy claim settlements
Go Digit has a dedicated customer support service and easier resolution of issues that make the claim settlement process faster.
3Legal and financial protection
It safeguards you against any legal penalty, as third-party insurance is compulsory under the law. In case of any expense relating to third-party damage, it compensates the financial loss of the insured.
What is Covered and Not Covered in Digit Third-Party Car Insurance
Before purchasing third-party insurance, it is important to be aware of its inclusions and exclusions.
1What is Covered (Inclusions):
- Personal Damage to Third Party: In case any person gets injured by your car, then the policy covers all the expenses related to the injury of the third person.
- Property Damage Compensation: Third-party insurance helps you to pay off expenses related to third-party property damage up to the limit of 7.5 Lakh.
- Personal Accident Cover: Third-party insurance in Go Digit also provides coverage up to 15 Lakh to the owner of the insured car. But this is an optional add-on that you should purchase for your safety in case of any accidents.
2What is Not Covered (Exclusions)
- Own Damage of Car: Any kind of damage to your car is not covered by third-party insurance.
- Theft of Car: If your car gets stolen, no compensation is provided.
- Drunk Driving: Damage caused after the consumption of alcohol or drugs is also not covered under third-party insurance.
- Driving in the Learning Stage: If you are learning to drive a car, you are not eligible for compensation under this type of insurance.
Disclaimer: Please refer to your policy documents to know the exact coverage.
FAQs
No, third-party insurance does not provide compensation for any loss to one's car.
You will be eligible to get coverage up to the limit of 7.5 lakh in case your car destroys the third party’s property.
Yes, Digit Car Insurance provides an add-on for personal accident damage to car owners.
Any of the following reasons for car damage will not be covered by third-party insurance:
- Own Damage of Car
- Theft of Car
- Drunk Driving
- Driving in the Learning Stage
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