Comprehensive Policy Go Digit Motor Insurance

4.5

Paybima Rating

Spending months exploring options before purchasing a vehicle is something we all do. However, while we don’t hesitate to spend big chunks on purchasing the dream vehicle, ensuring its safety is often undermined. A comprehensive insurance policy for your vehicle is the simplest way to build a safety net. Enter Go Digit Motor Insurance Comprehensive Policy.

As a vehicle owner, you are likely aware that, under the Motor Vehicles Act, 1988, motor insurance is mandatory for driving your vehicle in India. But is motor insurance just a legal compliance? No. Let’s explore the Go Digit Motor Insurance Comprehensive Policy to see how it can bring financial protection and peace of mind.

Highlights of Comprehensive Policy

Claim settlement Ratio – 96%

NCB – up to 50% (maximum)

Network Garage – 6000+

Road Side Assistance – Available

Comprehensive coverage for every vehicle.

Smartphones enable self-inspection to check damage.

Cashless repairs at over 10000+.

Multiple riders for enhanced coverage.

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Go Digit Motor Insurance Comprehensive Policy: Highlights

Here’s a table showing the detailed highlights of the Go Digit Motor Insurance Comprehensive Policy to give you a better idea:

Particulars	Details
Policy Name	Go Digit Motor Insurance Comprehensive Policy
Insurance Company	Go Digit General Insurance Ltd
Benefits	Multiple Benefits: Own Damage Cover . Third-Party Liability Cover. Multiple Add-Ons Legal Compliance. Peace of Mind
Add-Ons	Available Options: Zero Depreciation Cover Roadside Assistance Return to Invoice Cover Passenger Cover Pay As You Drive Cover
Network Garages	10,000+
Claim Settlement Ratio	96.71% for FY 2023-2024

Wish to Enhance Your Coverage? Take a Look at the Riders Available

If you feel that the base coverage under this policy is not enough for the needs of your vehicle, then you can easily opt for riders on your existing policy to enhance the coverage. Take a look at some of the riders available under the policy:

Riders	Benefits
Zero Depreciation Cover	Under this rider, the insurance company promises to pay you the actual cash value of your vehicle, rather than its depreciated value. Note: This benefit is only available if your vehicle is less than five years old.
Roadside Assistance	Under this rider, you can receive 24/7 roadside assistance for emergency situations, including vehicle breakdowns or third-party damages.
Return to Invoice	Under this rider, in any case your vehicle is damaged beyond repair or stolen, the insurance company promises: To pay you the vehicle's invoice value. To cover the cost of getting a similar vehicle.
Passenger Cover	Under this rider, you can also build coverage for the passengers in the vehicle. This is a reliable rider that ensures the protection of your family, friends etc, who are frequent passengers in your vehicle.
Pay As You Drive	Under this rider, you can get exciting discounts on the premium if you have driven your vehicle for less than 10,000 km in the previous year.
Engine and Gearbox Protection	Under this rider, in the event of an accident, if your vehicle's engine or gearbox is damaged, the insurance company covers the repair costs. Note: Please be aware that this coverage does not apply to any damages to the engine or gearbox resulting from normal wear and tear.
Daily Allowance	Under this rider, the insurance company provides a fixed allowance for every day when your vehicle is at an authorised repair centre.

Features and Benefits of Go Digit Motor Insurance Comprehensive Policy

Purchasing a robust motor insurance plan with comprehensive coverage is a step you take today to safeguard yourself from legal and financial liabilities in future. Let’s see how the features and benefits of the Go Digit Motor Insurance Comprehensive Policy work for you:

Comprehensive Coverage

Purchasing the policy ensures comprehensive coverage for your vehicle against various types of damage, whether it is own damage or third-party damage. Dealing with unforeseen losses and damages might not be something you evaluate today, but it can become a huge financial liability in future. This is why a comprehensive policy like this is the right choice to build a safety net against such liabilities.

Multiple Add-Ons

As a vehicle owner, it is obvious that your needs will be different from others depending on the vehicle you drive, the city you drive in, the frequency of driving etc. This is why the insurance policy allows you to opt for additional coverage through multiple riders, enhancing protection according to your needs. Now, you can enjoy enhanced protection for a minimal premium.

Legal Compliance

The Motor Vehicles Act, 1988, mandates that every vehicle owner purchase at least a third-party liability motor insurance policy to drive their vehicle legally in India. In the absence of motor insurance, you can face penalties. Additionally, when you purchase a comprehensive policy, you also protect yourself from the costs associated with handling legal liabilities that may arise due to third-party claims or damages.

Peace of Mind

Driving the vehicle of your dreams is possibly one of life's greatest joys. While it brings comfort, it is only when you have a motor insurance policy in place that you can drive your vehicle without stress and anxiety. A comprehensive motor insurance plan like this brings peace of mind, enhancing your driving experience and reducing stress, thereby ensuring better road safety.

Seamless Claim Settlement

The sole purpose of purchasing a motor insurance plan is to create a safety net that steps in whenever you need it. This is where the Go Digit insurance company comes into play, as it boasts an impressive claim settlement ratio that reflects the company's efficiency in settling claims. So, whether it's a road accident, a breakdown of your vehicle in the middle of the street, or repairs at a garage, you don't need to worry.

Cashless Claim Settlement

The premium you pay for this comprehensive motor insurance policy goes towards building a secure wallet that you can use to get your claim settled without having to pay a single penny out of your pocket. Yes, you heard it right - you get to enjoy cashless claim settlement at over 10,000 network garages across the country.

Go Digit Motor Insurance Comprehensive Policy: What is Covered?

Take a look at the coverage you get to enjoy under the Go Digit Motor Insurance Comprehensive Policy:

Damages Due to Accidents

In any case, if the insured vehicle is involved in an accident that results in own damage or damage to a third party or person, the insurance policy provides coverage for all such unfortunate accidents.

Vehicle Theft

If, under any unfortunate event, the insured vehicles are stolen, the policy promises to compensate for such a loss. Please note that the amount paid by the insurance company under this coverage is determined by the vehicle's IDV and the policy's sum insured.

Third-Party Liabilities

If due to an accident, the insured vehicle causes any damage to a third party or person, the insurance company steps in and takes care of all the financial and legal liabilities.

Damages Due to Natural Calamities

Natural calamities are unforeseen and can cause significant damage to your vehicle. However, worry not, as this comprehensive motor insurance provides you with appropriate coverage for such repairs and losses.

Damages Due to Fire

If, due to an unfortunate event, the insured vehicle is damaged by fire or explosion, the insurance company covers the cost of such damage or repairs.

Personal Accident

Road accidents can be fatal, and in such situations, the last thing you need to worry about is the financial liabilities and medical bills. The policy provides coverage for injuries or death of the vehicle's owner.

Go Digit Motor Insurance Comprehensive Policy: What is Not Covered?

Remember that when you purchase the policy, there are certain exclusions under which the insurance company does not offer any coverage. Here’s what you need to know:

Consequential Damages

Any damage to the insured vehicle that occurs after an accident is not covered under the policy. However, if you have opted for an add-on, you can get coverage.

Criminal Breach of Law

Any damage done to the vehicle, vehicle owner or a third party/person under the following conditions is not covered.

Driving without a valid driving license.
Driving under the influence of alcohol or drugs.
Driving a vehicle that is not duly registered with the RTO.

Contributory Negligence

Any damage done to the vehicle, vehicle owner or a third party/person due to your fault is not covered under the policy. An example of contributory negligence is driving your vehicle when your city is flooded and on high alert.

Pros & Cons of Comprehensive Policy - Go Digit Motor Insurance

A comprehensive vehicle insurance policy covers your own vehicle against accidental damages along with covering you against the third-party liabilities

With a comprehensive policy, you can be in a better situation if your vehicle in stolen in an unfortunate incident

The feeling of loss after paying for third-party vehicle damages caused due to your negligence can be limited with a comprehensive vehicle insurance policy

Any damage that takes place due to acts of nature such as cyclone, floods, storm, lightening etc., can also be covered under your comprehensive car/bike insurance policy

Man-made havocs or malicious acts are also indemnified or covered under the comprehensive plans of vehicle insurance

It also covers personal injuries or in extreme case - death - under the plan

The case of drunk driving is not considered under the Go Digit car/two-wheeler insurance policy

If you are riding your bike or driving your car without a license and causes damage to your vehicle under such circumstances, the insurer will not cover your claims in that case

Any consequential damages or damages caused by wear and tear of vehicle, depreciation or any electrical breakdown is also not covered under the comprehensive plan

The policy also states clearly that it doesn’t cover damages caused due to negligence of vehicle owner

Our Verdict

A comprehensive motor insurance plan serves you more than just a legal requirement. It steps in to take care of various types of financial liabilities that would otherwise become a burden on your pocket. If you have a comprehensive motor insurance policy, the insurance company allows you to opt for riders at a minimal cost, which can significantly enhance your protection.

If you're looking to purchase motor insurance or renew your existing policy, you can visit Paybima for a quick and seamless experience.

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Go Digit Motor
Insurance Company

Digit insurance, formerly known as Go-Digit General Insurance Company Limited is one of India’s leading general insurance companies backed by the Fairfax Group. The company offers its plan online through digital platforms with a unique strategy of multi-channel distribution. Its services include travel insurance, health insurance, car insurance, commercial vehicle insurance, home insurance and shop insurance. Digit Insurance is known for its reimagining products and redesigning price processes.

Founded In

2016

Claim Incurred ratio

71.87%

Turnover (GWP)

INR 6,160.08 crore

JV Partners

Fairfax Financial Holdings, A91 Partners & TVS Capital Funds

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

90.4%

Claim Settlement Ratio (No. of claims)

96%

Network Garage

6000+

Benefits of Go Digit Motor Insurance - Comprehensive Policy


Own Damage Cover	Get coverage against damages to your car
Convenience	Easy and quick repairs without hassle
Network Garage	Wide network garages for cashless repairs
Claim Settlement	Fast and hassle-free claim settlement
Add-on cover	Encompass policy coverage with Add-on benefits

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Ask Anything as We Have Answers to Everything in Insurance

Yes, depending on a few questions such as how old the vehicle is? How often do you use the vehicle? How long do you plan to use the vehicle in the future? So, if your vehicle is not very old, in good condition and you plan to use it for another good number of years, in that case you must go for a comprehensive vehicle insurance plan.

The two plans are entirely different from one another. This is because the comprehensive car/two-wheeler insurance is a full-fledged insurance policy, while the zero-depreciation is an add-on plan that can be opted with a comprehensive policy.

The best time to purchase comprehensive vehicle insurance is at the time of buying your new car/bike. However, if you miss it at that time, you can always buy it later at the time of renewal or you can upgrade your regular plan to a comprehensive one.

Yes, of course, Go Digit insurance does offer a third-party, as well as comprehensive and own damage car insurance policies at affordable premiums online.

Whether you want to buy or renew a vehicle insurance with Go Digit insurance company, you can go via an online process as everything is done online with quick and simple processes that can be done on your smartphone.

To purchase the Go Digit Motor Insurance Comprehensive Policy, you need to provide car/bike registration certificates and perform a KYC verification. However, please note that the requirements for additional documents may vary depending on the portal you choose to purchase the policy from.

To file a claim under the policy, the first thing you need to do is inform your insurance company at the earliest and provide all the required documents. Once your claims are submitted, the insurance company sends an inspector to verify them and process the claims.

No, a comprehensive motor insurance policy is not mandatory, but it is recommended as it provides coverage for various types of needs. The Motor Vehicles Act mandates the purchase of at least third-party liability motor insurance.