Digit Car Insurance Add-On Covers

Add-on covers help enhance the coverage and protection of your car against uncertainties for an extra premium. Digit General Insurance offers a wide range of add-on covers that can be easily availed with a comprehensive car insurance policy. Although purchasing add-on covers is not mandatory while opting for them with a standard comprehensive policy is highly recommended.

1. Consumable Cover

Consumables like AC gas, screw, engine oil, nut, etc are covered under this add-on. This cover also indemnifies replacement costs of the consumables based on the assessed damage.

2. Zero/Nil Depreciation cover

This add-on bears the depreciation and replacement expenses of parts of your car damaged in any mishap. It gives you the depreciation amount based on the assessed damaged parts which are only applicable in the event of partial loss of your vehicle. Zero Depreciation cover also allows policyholders to enjoy higher claims during claim settlements as it exempts them from bearing the liability of depreciation of their car.

3. Engine And Gear Box Protect

This add-on is intended to cover the internal engine parts or gearbox if they suffer damage or require repairs due to water ingression, leakage of lubricating oil as well as undercarriage damage.

4. Breakdown Assistance

Under this add-on cover you will be given protection if your car has a flat battery, vehicle keys are lost, flat tyre, minor repairs, medical-coordination in case of an accident, fuel assistance as well as taxi and accommodation benefits during car breakdown.

5. Car Tyre Protect

Purchasing the Tire Protection add-on cover means that the company will reimburse the cost of replacing a damaged tyre, labour charges for refitting of the tyre as well as charges towards wheel balancing.

6. Return To Invoice

In case your vehicle is stolen or completely damaged, this add-on cover will refund the cost for a new vehicle with an identical or almost equivalent model, features and specification of the insured vehicle. If such an equivalent vehicle is not available then you will be reimbursed to 105% of the cost of the insured vehicle.

7. Daily Conveyance Benefit

This add-on cover will compensate for your transportation cost when the insured car is not available during the repair period. They will provide a standby vehicle, or a fixed allowance per day or provide coupons from cab booking apps.