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Digit Standalone Own-Damage Car Insurance Policy

Digit General Insurance offers its customers a standalone own-damage cover. This takes care of the own-damage costs of the policyholder in case of a mishap. Moreover, the cover offers this compensation in a wide variety of situations including theft, vandalism, road accidents, fires, natural and manmade calamities. The standalone own-damage cover is not compulsory however, the protection it offers can make a significant difference in a time of crisis by offering financial stability.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

Digit Third Party Insurance

Digit Standalone Own-Damage

Digit Comprehensive Insurance

Coverage

This type of cover will take care of third party liabilities in the event of a mishap including bodily injuries, death and property damage. The maximum compensation offered for property damage with this cover is Rs 7.5 Lakh.

This type of cover takes care of the own-damage costs of the car in a wide variety of scenarios such as road accidents, theft etc. Additionally, the insurance provider offers NCB for claim-free years.

This type of insurance covers both third party liabilities and own-damage costs under a single premium. Optional personal accident cover is also offered. It is hassle-free and convenient.

Add-ons

Add-on covers cannot be purchased along with third party insurance.

There are a number of add-on covers are available with standalone own-damage covers.

There are several add-on covers offered along with comprehensive plans.

Cost

It is the cheapest type of car insurance policy available and provides basic coverage.

It is more expensive than third party insurance. This is because it offers better coverage.

It is the most expensive but offers wider coverage for both own-damage and third party liabilities under a single premium.


What is Covered Under Digit Standalone Own-Damage Policy?

The Digit standalone own-damage car insurance policy covers the following aspects:

  • Accidents that occur due to collisions while driving on the road
  • Fires or explosions that cause damage to the car
  • Car theft
  • Damages caused due to a natural or man-made calamity. Eg: floods

What is Not Covered Under Digit Standalone Own-Damage Policy?

The Digit standalone own-damage car insurance policy does not cover the following aspects:

  • Electrical or mechanical failures of the car
  • Any mishap that somehow involves illegal driving
  • General wear and tear of the car
  • Mishaps that happen outside the geographical limits of the country

Benefits of Digit Standalone Own-Damage Policy

The following are the benefits of purchasing standalone own-damage insurance from Digit:

  • It offers policyholders protection against a wide range of scenarios.
  • Policyholders are given No Claim Bonus as a reward for good driving habits every claim-free year.
  • You can purchase add-on covers to further strengthen your car insurance policy.

How To Purchase Digit Standalone Own-Damage Policy?

Here are the steps to follow:

Step 1: Visit our website InsuranceDekho and select the ‘car insurance’ tab. A drop down menu will appear select ‘Standalone Own Damage’ from the options visible.

Step 2: Enter the registration number of the car. If you do not have this information with you for some reason you can also enter the car’s make, model and year of registration.

Step 3: Next enter your personal details and select the ‘Submit and Get Quotes’ button.

Step 4: All the quotes for standalone own-damage covers in your category will be visible on the screen. Select the quote offered by Digit General Insurance and select any add-on covers you require as well.

Step 5: Make the payment for your Digit standalone own-damage car insurance policy and the insurance document will be sent to your registered email ID.

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Digit Car Insurance User Reviews

4.9
Rating based on
531 User reviews
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What users are saying
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  • Theft Recovery

    My car was stolen from the office parking in the middle of the day. I instantly called the police and made my next call to Digit, whose car insurance I had purchased. They very calmly handled the conversation and guided me throughout the police complaint process. Unfortunately, police could not find my car and issued a non traceable certificate after which I got my claim from Digit. I'm thankful to InsuranceDekho for recommending Digit for its efficient working and sympathetic customer support.

    Read More

    G
    By Gulfisha Ahmed
    On: July 12, 2024
  • Convenient Process of Claim

    Switching to Digit is a decision that I'm very positive about. The whole experience of a digital platform is very impressive. Especially the document submission is very smooth. Thanks to InsurnaceDekho for recommending Digit insurance.

    Read More

    M
    By Maryam Warsi
    On: July 1, 2024
  • Excellent Grievance Redressal

    I was having some concerns over some details in the policy document. Upon contacting Digit customer service, they tried explaining it to me but I was not totally convinced and wanted a more detailed response. I further contacted the grievance redressal officer who addressed all my concerns in detail and gave considerable time to help me. InsuranceDekho had mentioned that Digit has a very nice customer query response which inclined me towards the insurer.

    Read More

    J
    By Jagteshwar Singh
    On: June 28, 2024
  • Benefits of Consumable covers

    My car had some mechanical issues and was taken by the insurer for repair. After repairing I had to pay nothing except the deductibles. Moreover, my consumable cover saved me the cost of the consumables required in repairing the car as well. Kudos to InsuanceDekho and their team for helping out in picking the best insurer. After claims with no issues, I'm sure I will keep buying policies from Digit Only.

    Read More

    P
    By Priyanshu Deshmukh
    On: June 28, 2024
  • Quality centric service

    I'm a critical thinker and I always scrutinise my decisions. In all honesty, I was very conscious about sending my car to a cashless garage. Somehow due to the very experienced and quality-centric customer service, I chose to get my car towed to a cashless garage. I must say I am very impressed with their work and I will be much more relaxed regarding that in future. Thanks to InsuranceDekho for finding Digit, a trustworthy quality quality-focused insurer.

    Read More

    A
    By Anshika Chawla
    On: June 27, 2024
  • Loss of Personal Belonging Cov...

    My laptop was stolen from my car and the window was broken while the car was in parking. I ran to the police and was weeping about my loss as I knew the chances of getting it back are very low. Thanks to Digit loss of personal belonging add-on with the comprehensive car insurance which covered my laptop and I recieved my claim along with the window getting replaced. Shout out to InsuranceDekho for suggesting Digit car insurance with the necessary add-on that made the experience less horrible.

    Read More

    S
    By Shrishti Damodar
    On: June 25, 2024
  • Broken window

    Some kids broke the window of my car while playing cricket. I intimated the claim and the process was very easy and did not take much time and my window was repaired in no time. I remember taking assistance from InsuranceDekho while choosing Digit for my car insurance.

    Read More

    J
    By Jaideep Singh
    On: June 24, 2024
  • Cashless Settlement

    I'm super happy with Digit car insurance, the claim settlement process is very smooth, especially the cashless approach. I didn’t have to pay anything at the garage and my car got repaired and they even washed it. Delighted, thanks to InsuranceDekho for the support in selecting the best policy

    Read More

    A
    By Azazil Haider
    On: June 20, 2024
  • Amazing user interface

    InsuranceDekho provided me with various options on insurance policies to choose my deal from. I chose GoDogit and I am thankful for it. One of the coolest thing about Digit is the mobile App UI which makes the operations very easy for the user to use. I had to make some changes to my policy document and I could do it without any guidance on how to use the app.

    Read More

    M
    By Madhav Shankar
    On: June 17, 2024
  • Easy NCB Transfer

    Switching to Digit car insurance is a good move. I did and I dont regret. My NCB was transferred easily and my premium sounds very justified. Thanks to InsuranceDekho for giving me a wider perspective.

    Read More

    S
    By Shreya Girotra
    On: June 13, 2024
Digit Reviews

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Digit Car Insurance Own-Damage FAQs

  • What are the various add-ons available with Digit Own Damage insurance?

    Some of the add-on covers available with Digit own damage insurance are as follows:

    • Engine and Gearbox Protection cover
    • Zero Depreciation Cover
    • Consumable Cover
    • Tyre Protect Cover
    • Passenger Cover
    • Return to invoice Cover
    • Breakdown Assistance

  • What all coverage does Digit Own Damage insurance offers to the policyholder?

    The own damage cover offers the following protection to the policyholder:

    • Theft, burglary and housebreaking
    • Accidental damages to the vehicle
    • Self ignition, implosions, lightning, fire, and explosions
    • Landslide, earthquakes and rockslides.
    • Riots, strikes, terrorism attacks, or malicious damage
    • Natural calamities such as typhoons, cyclones, floods, etc.
    • Vehicle transit by road, inland waterways, rail or air.

  • What all factors are responsible for Digit Own Damage Premium calculation?

    The premium is calculated based upon the following factors:

    • Insured declared value of the car
    • Cubic capacity of the engine
    • Geographical zone
    • Type, make and age of the insured car

  • Who is eligible to purchase Digit Own Damage insurance?

    Any individual who has an active and valid third party car insurance plan is allowed to purchase a standalone own damage insurance plan to ensure protection against damages or losses sustained by their own car due to any accident or mishap.

  • Is purchasing an Own Damage cover necessary?

    No, purchasing an own damage insurance cover for your car is not necessary. According to the Indian Motor Tariff Act, it is compulsory to purchase a valid third party insurance plan for all the vehicles driving on public roads in India.

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