Digit Car Insurance Renewal

Renewing car insurance is just as important as buying it for the first time and you might want to take a look at the Digit Car Insurance Renewal plan. Digit offers exciting offers and benefits like a customised IDV.

Digit is a tech-based insurance company founded in 2016. They have aimed to simplify the insurance buying process and mix it with digital advancement. Digit provides many types of insurance including car, health, travel, etc. This article will talk about how renewing your car insurance with Digit will be beneficial for you.

Consequences of Not Renewing Your Car Insurance Policy

Just the fact that the government has made it mandatory explains how important car insurance is, and similarly, why we should always renew it. If your car is involved in an accident and your car causes damage to someone else’s property or body, you will be in a huge debt if you don't have active third-party damage insurance. So you will have to pay a big price for the damages caused, plus the cost of repairing your own vehicle. Your hard-earned money flows away from your hands.

To have a better understanding, let’s discuss all the consequences of not renewing your car insurance.

• Legal Compliance: The Motor Vehicle Act 1988 makes it mandatory to have active third-party insurance on each day. It is possible that failure of renewal leads to fines or imprisonment.

• Financial Protection: When your car insurance expires, the insurer is no longer in agreement to cover your losses. In such cases, an unfortunate event such as an accident or theft will not be covered by the insurer.

• No Claim Bonus: A No claim bonus is a discount upto 50% on your renewal provided by many insurers including Digit. Failure of renewal would mean you can not claim this bonus when you decide to renew car insurance in future.

Advantages of Renewing Your Car Insurance with Digit

Digit provides many benefits for renewing your car insurance, the top ones are mentioned below:

• Cashless Repairs: Digit has a huge network of 6,000+ cashless garages all over India which would repair your car and will be paid directly by the Insurer. This makes the claim process efficient and hassle-free.

• Self Inspection: Digit provides a smartphone enabled self inspection service. You can take pictures of damaged parts of the car and upload them on the app and apply for a super fast claim.

• Super Fast claim: Digit has a significant 96% claim settlement ratio.

• Add-ons: 11 add-on covers are available as an option.

• Customise your IDV: With Digit, you can customise the IDV of your car.

• 24 x 7 x 365 customer support: Digit has a dedicated team of customer support who are working everyday 24 hours including holidays.

DigitCar Insurance Renewal Dates and Reminders

You can check and stay informed regarding your car insurance renewal dates through reminders. Let's discuss how to check your renewal date.

How to Check Renewal Date?

For Digit car Insurance renewal dates & reminders, you can:

• Check your policy: Your active/previous policy papers include the information on the expiry date. The next day of the expiry is your renewal date.
• Check website: You can also check for your renewal date on InsuranceDekho website. After visiting the website, enter your car details to know when your policy is expiring.
• Connect with Insurer: Your insurer would have the data of your policy even if you don't have it. Just tell them your name and insurance type and they will get you the details of your policy.

Reminder Options

Mentioned below are options which will remind you actively for your policy renewal date:

• InsuranceDekho Reminder: InsuranceDekho provides this service to remind you when your car is about to get expired and suggests to start looking for renewal options. InsuranceDekho reminds you through WhatsApp messages or emails.

• Email or SMS by Insurer: The insurer would also send you SMS or call you to inform about an upcoming expiry of insurance.

Documents Required for Renewal

Digit has made purchasing and renewing car insurance very simple, you would need to submit the below mentioned documents to get your car insured.If you are renewing with a new insurer you would need the following documents:

• Drivers Licence
• Registration certificate of Car
• Insurance papers of previous insurance
• Vehicles mileage

Optional Documents:

• Claim history of the car
• Your car maintenance history
• Vehicle ownership information ( in case you are not the registered owner)

In case you choose the same insurer while renewing you would have to just submit your Registration Certificate and documents of previous policy.

InsuranceDekho suggests always checking for other insurance companies while renewing so you can get the best deal.

How to Renew Your Digit Car Insurance Policy?

The renewal process of DigitCar Insurance can be done online as well as offline through InsuranceDekho.

Online process

• Step 1: Download the app or visit the official website of Digit.
• Step 2: Fill in your Vehicle’s Make, Model, Variant, Registration Date & the city you drive in. Press ‘Get Quote’ and choose your choice of Plan.
• Step 3: Now you have to select between a Third-Party Liability Only or a Comprehensive Insurance plan.
• Step 4: Provide details regarding your previous insurance policy.
• Step 5: Select add-ons, set the IDV, and confirm if you have a CNG car to get your premium price.
• Step 6: Complete your payment and your policy will be sent to you online.

Online payment options for DigitCar renewal insurance:

You can visit the insurer's website and follow their steps.

Payment Options:

You can choose to make the payment using any of the following modes:

• Credit Card
• Debit Card
• Digital Payment Applications, if applicable.

Offline process

Alternatively, you can opt for the offline approach to renew your Digit car Insurance policy among the below mentioned 2 ways:

Call or Home Assistance by InsuranceDekho: InsuranceDekho provides advisors on call to help you with your process. You can also arrange a home visit by our relationship manager.

Visit the Insurer's Branch Office: You can even visit the Digit’s branch office in your city for a direct offline process.

Your premium depends on these factors:

• Make, Model, Variant: The cubic efficiency of your engine and the standard of your car influences the premium amount. A luxurious sedan will have a higher premium compared to a standard hatchback car.

• IDV ( Insured Declared Value): A higher IDV for a car will lead to a high premium. IDV is the estimated market value of your car after depreciation.

• Deductibles: Deductibles are the minimum amount a policyholder has to pay on a claim amount after which the insurer pays for the claim. If you can afford to pay a higher amount from your own pocket, you can choose a higher deductible amount, and your premium cost will decrease.

• Registration year: Old cars can cost less to repair compared to new cars with the latest features and specifications.

• No Claim Bonus (NCB): No claim bonus deducts the cost of premium on your new policy.

• Add-ons: Add-on covers give more benefits hence causing a rise in premium.

• Type of Policy: A standard third party liability policy will have less premium when compared to a comprehensive policy, simply because the comprehensive policy has much more benefits.

Things to keep in mind while Renewing Your Car Insurance

It is possible that lower premiums can seem more attractive, but you should look at a better IDV, great facilities, and a reasonable price. Some other things to keep in mind are:

• Age of Car: As your vehicle gets older, the chances of a higher renewal premium increase.

• Inflation Impact: A rise in prices can change the premium a company offers over some time. InsuranceDekho hence recommends to always check for best offers instead of blindly renewing with the previous insurer.

• Claim History: Expensive claims can affect your premium of your car insurance renewal.

• Grace Period: In case your policy has already expired and you haven't renewed it yet, you can still get the renewal benefits before the grace period ends.

Grace Period Of Digit Car Insurance Renewal

Digit car insurance provides a grace period of 20-30 days for policy renewal. This gives the policyholders some extra time to renew their policy without losing the benefits of renewal in case of failure to renew right after the expiry of the previous policy.

Renew the Expired Digit Car Insurance policy

You must renew the car insurance latest by the end of the grace period otherwise, you can face the following consequences.

Car Inspection: Insurer is likely to arrange an inspection of your vehicle. This inspection will determine if you are eligible for insurance or not.

Change in Premium: The inspection results will also influence the premium, you might have to pay an extra amount according to the current mechanical and aesthetic condition of your car.

Why Renew with InsuranceDekho?

InsuranceDekho helps you during your search for an insurer in many ways. Some of them are:

• Unbiased Opinion: You can expect unbiased advice from our dedicated teams to make your experience more customised.

• Compare quotes: We provide you a platform to compare quotes from a wide range of insurance companies which helps you to compare and select more easily.

• Reminders for Renewal: We update you with our timely renewal reminders so you can stay up to date regarding the expiry of your policy.

• 24x7 Support: InsuranceDekho’s dedicated customer service team is there for you at any time of the day to help clear your queries or provide tailored suggestions according to your needs.

• Port Feature: If you are not satisfied with the policy you purchase, we offer to port your policy with a different insurer.

Digit Car Insurance Renewal: Customer Support & Assistance

In case you require any assistance or have an urgent query, you can contact InsuranceDekho and we will help you out.

Email : support@insurancedekho.com

Helpline Number: 755 1196 989

You can also directly contact Digit through their official website or the mobile application.