Digit Own Damage Car Insurance

Digit is a private insurer in India that provides a digital platform for customers to access their services. Digital has a complete digital platform for all its operations which is very convenient for the users. The Standalone Own Damage policy protects you financially from the cost of repairs to your car when it gets damaged. This policy covers damages caused to your car due to an accident, vandalism, theft, etc.

What is Own Damage Car Insurance?

The Standalone Own Damage policy provides cover for damages sustained by your vehicle. It pays for the repair of your car in case it gets damaged due to an accident, natural calamity, fire, vandalism, etc. Unlike the third-party policy, the Own Damage policy is not mandatory under the law but is highly recommended to secure your vehicle against unforeseen circumstances.

Key Features

When you choose Digit, you will get the benefit of these key features:

• Cashless Repair: Get your car repaired without any upfront payment at one of the 6000+ cashless garages.
• Smartphone Enabled Self Inspection: You no longer have to wait for a survey officer, use your smartphone to self-inspect the damages.
• Super Fast Claims: Digit has maintained a significant 96% claim settlement ratio for private cars.
• 24x7 Support: Digits customer support team is available to help you 24x7 throughout the year including holidays.
• Customise your Vehicle IDV: This exclusive feature allows you to customise your IDV as per your choice.

How To Buy Digit Standalone Own Damage Car Policy?

To purchase Digit Car Own Damage policy, ensure that the following documents are available with you:

1. Registration Certificate of your car.
2. Your Driving License
3. Your registered mobile number where you can receive OTP
4. A Government-issued photo identification document( Aadhar/PAN/Passport/Voter ID)

Once you have all the mentioned documents, follow the given instructions to purchase a Digit Car Own Damage policy through InsuranceDekho:

Online Process

InsuranceDekho is an online platform that enables you to compare insurance quotes and buy policies. Please follow the given steps to purchase the Digit Own Damage policy.

Step 1: Visit InsuranceDekho’s Website

When you reach the official website of InsuranceDekho, go to Insurance and click on Car to visit the homepage for Car Insurance. You will find a form here which will ask for the basic details of your car.

Step 2: Enter your vehicle number e.g. DLXXBRXXXX

Please fill out the form with the correct details of your car such as vehicle number, make, model, variant, and age.

Step 3: Compare All Car Insurance Plans

To view only the Own Damage policies, apply the ‘Type’ filter and select ‘Own Damage’. You shall now see all the quotes from different insurers on the screen, compare them, and if Digit fulfills your requirements, then click on it and proceed.

Optional Step: Connect with An InsuranceDekho Advisor

In case you need assistance with the process, you can seek assistance by clicking on the “request a call back” button. After doing so, an InsuranceDekho advisor will connect to you and address your queries.

Step 5: Add add-ons

Proceeding ahead, now you will be able to select add-ons to your policy. On the screen you will be shown all the available add-ons, you can add as many as you want but keep in mind that each add-on will increase the premium. After selecting the add-ons continue to the payment.

Step 6: Make Payment

You have reached the final step of the process, please make the payment to complete the purchase. You can pay online using debit card, credit card, UPI, or QR code.

Offline Process

Suppose you are a person who prefers human interaction before investing your money. In that case, you can contact InsuranceDekho’s relationship manager by contacting our customer support at 7551196989 or by emailing support@insurancedekho.com. A professional will be assigned and shall pay a visit according to your availability.

Purchase Digit Insurance Policy via Insurer’s Website

Another way to purchase Digit Own Damage Car Insurance is through Digits online website or mobile application. To purchase the car insurance policy directly from Digit, connect with their customer support staff.

Benefits of Buying Your Car Insurance from InsuranceDekho

InsuranceDekho provides exciting features and reliable support to its customers. Being a customer-first organisation, InsuranceDekho provides effective solutions which enhance the customer experience.

Certified Broker: InsuranceDekho is certified by IRDAI and has experience of 8+ years in the insurance industry which makes us reliable and trustworthy.

Reputed Brand: We are closely linked to the popular CarDekho Group which has established its reputation in the industry of car and auto technology for more than 15 years now.

Comprehensive Offering: InsuranceDekho offers a wide range of insurances varying from car, health, life and term, travel, and so on.

Quality Services: Over 50 Lakh people have chosen InsuranceDekho, our relationship managers, 24x7 helpline, and dedicated claim support team have provided quality services to our customers which have won us their trust.

Quick Assistance: Our fast customer support team is available 24x7 to help you with your queries and doubts and is quicker than the support provided by the insurer.

Dedicated Claim Support: Our dedicated claim support team helps you in filing your claim. We assist you in preparing a document checklist and verification and ensure you avoid anything that loosen the chances of settlement.

Documents required to buy Digit standalone damage car insurance

To purchase the Digit Own Damage policy, you need to submit the following documents:

• Government-issued photo identification document( Aadhar/PAN Card/Passport/Voter ID)
• Proof of Address ( Aadhar/PAN Card/Passport/Voter ID/Bank Statement)
• Driving License
• Registration certificate of your vehicle

Note that the insurer might not need these documents while purchasing the policy, but you must have these documents handy during the claim settlement process. Any document missing can cause a delay in the claim settlement process.

How Does a Standalone Own Damage Car Insurance Policy Work?

Unlike Third-Party car insurance, Own Damage car insurance is not mandatory under the law. Third-Party insurance covers the damages caused to other properties in an accident, while the Own Damage covers the damages sustained by your vehicle. Since the repair cost of motor vehicles are very expensive, hence it is highly recommended to purchase a standalone own-damage car insurance policy.

Digit Own Damage Car Insurance Claim Process

Claim is a formal request for coverage from the policyholder to the insurer. Digit has a very simple 3 step claim process.

How to File a Claim

To file a claim, you need to timely inform the insurer to ensure a smooth and quick claim process. Follow the given steps to file a claim with Digit.

Step 1: Intimate your own damage claim

To intimate the claim, contact Digit customer service by calling on 1800-258-5956. There is no paperwork involved in this process.

Step 2: Complete your survey

After intimation, a link for online survey will be sent to you. Use this link to complete a self inspection using your smartphone. You just need to shoot photos and videos of the damages with the help of guided instructions.

Step 3: Get your Car Repair

After getting an approval on inspection, select which way you want to settle your claim. Choose between cashless claim or reimbursement claim processes and get your car repaired.

Documents Required for Claim

• Policy Documents
• Driving License of the driver
• Registration Certificate (RC) of the insured vehicle
• KYC Details of policyholder (Aadhar Card/PAN Card/Passport/Voter ID)
• Copy of FIR (if applicable)
• Invoice of repair (In case of reimbursement claim settlement process)
• Any other document as requested by the insurer

Claim Assistance

InsuranceDekho offers a dedicated claim settlement team that assists our customers with the process of claim settlement. We provide help with preparing document checklists, ensuring authenticated documents are being attached, deadlines are being met and you avoid anything that can affect the chances of your claim being settled.

• age in accidents, thus the difference in premium.

It is very important to go through your policy documents to understand what is covered in your policy and what is excluded. The common inclusions and exclusions in Digits standalone policy are:

Covered

• Accidental Damages: In case of accidents or collisions, Digit covers the damages in the standalone own damage policy.
• Fire and Explosions: Your Digit standalone own damage policy will cover the cost of repair in case your car is damaged due to fire.
• Natural Disasters: If your car is damaged due to a natural disaster like earthquakes, cyclones, flooding, etc Digit will provide coverage for repair.
• Vehicle Theft: Digit compensates you by providing the IDV In case your car is stolen.
• Total Loss: In case your car is damaged beyond repair due to any of the above reasons, then Digit will pay the IDV.

Not Covered

• Third-party Liabilities: Any damages done to a third-party due to your car won't be covered under the Standalone own damage policy.
• Driving Without a Licence: If a driver who does not own a licence was driving, then your claim will be rejected. Note that it is mandatory for a licence holder to be in the vehicle while a learner is driving, if the licence holder is not present and the car gets damaged, no claim will be provided in this case as well.
• Drunk Driving: If the driver is found guilty of driving under the influence of alcohol or drugs, then your claim will be denied.
• Consequential Damages: If another accident causes damage to your vehicle, in that case a claim will not be given. Claim is only provided when your car is directly damaged due to an accident.
• Contributory Negligence: Contributory Negligence is basically doing something which implies neglecting basic care for the safety of your car.
• Beyond Policy’s Terms: Benefits of add-ons can not be claimed if add-ons were not added initially. If any circumstance which is not mentioned in the inclusions leads to damage, then you will not get a claim.

Factors that Affect Your Own Damage Car Insurance Premium

Premium is the cost of insurance which is paid to the insurer. Below mentioned are the factors that affect the premium of your Digit Own Damage car insurance policy.

• Age of Car: Cars that are old have low premiums due to easily available spare parts and less costly cost of repair as compared to new cars with latest technology and features.
• No Claim Bonus (NCB): Your accumulated No Claim Bonus affects your premium. NCB is awarded at the end of the policy period for not taking any claim. NCB varies from 20% to 50% depending on the number of years without a claim.
• Add-ons: Premium increases with every add-on added to your policy.
• Make, Model, Variant: Your car model has a huge influence on your car insurance premium. High end cars like sports cars and luxury cars have higher premiums than the affordable cars.
• IDV ( Insured Declared Value): The IDV is the estimated current market price of your car. IDV is determined before signing for the insurance policy. Higher IDV results in higher premium and similarly lower IDV decreases the premium.
• Engine Capacity: Cars with higher engine capacity have much higher premium when compared to cars with lesser engine capacity. Since cars with stronger engines tend to incur more dam