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Digit Third Party Car Insurance

As per the Indian Motor Tariff 2002, it is mandatory for every car owner to have at least a third party insurance cover. A third party car insurance cover insures you against all the third party liabilities which may arise due to a mishap such as a road accident involving your car. The third party car insurance policy provided by Digit General Insurance insures you against financial liabilities which may arise due to third party death/bodily injuries. It also provides compensation of up to Rs. 7.5 lakh for third party property damage caused by your insured car. Digit General Insurance offers both 1 year as well as long-term (3 years and 5 years) third party car insurance policy along with optional personal accident cover of up to Rs. 15 lakh.

Digit Third Party Car Insurance vs Comprehensive Car Insurance

Basis

Third Party Car Insurance

Comprehensive Car Insurance

Coverage

A third-party car insurance policy provides financial as well as legal protection for the owner of the car. The third-party liabilities are covered with this plan which comprises injuries, death or property damage of the third party arising due to an accident or a mishap.

Comprehensive car insurance cover gives an all-around coverage to the car owner. This type of car insurance policy gives coverage and compensation to the car owner against the damage sustained by the policyholder’s car and third-party liabilities arising due to unfortunate accidents or any mishap.

Availability of Add-on covers

There is no possibility of including an add-on cover with a third party policy to enhance the policy cover.

A range of add-on covers is available with car insurance which can be added to the comprehensive car insurance policy.

Legal requirement

It is mandatory for every car owner to buy a third party car insurance policy as per the Indian Motor Tariff.

Buying a comprehensive car insurance policy is optional and recommended but not a compulsion under law.

What All Is Covered Under Digit Third Party Car Insurance Plan?

  • Reimbursement of up to Rs 7.5 lakh in case of third party property damage.
  • Unlimited coverage in case of death of a third party. The compensation amount is decided by a court of law.
  • Limited/Unlimited (depending upon the type and severity of the injury sustained) liability cover for injury of a third party. The amount of compensation is decided by a court of law.

What All Is Not Covered Under Digit Third Party Car Insurance Plan?

Digit third party car insurance plan does not provide coverage for the following:

  • Any damage incurred by the insured car.
  • If the accident occurred due to mindful negligence on the driver’s part.
  • If the vehicle was being driven in the absence of a valid driving licence.
  • If the accident occurred when the driver was under the influence of intoxicants.
  • If the driver was a novice with a learner’s licence caught driving without a valid driving license-holder in the front passenger seat.

Key Benefits of Buying Digit Third-Party Car Insurance

A third party car insurance policy is mandatory to be owned by car owners. Here are some advantages of buying a Digit third-party car insurance plan:

1. Financial and Legal Assistance: Third-party car insurance gives coverage for legal liabilities towards third parties. In addition to this, this plan covers the financial burden on policyholders arising due to a collision with a third party. The compensation is given to cover their unforeseen demise, bodily injury, and property damage.

2. Peace of Mind: A third party car insurance policy helps the car owner drive a car without any worry of legal compliance as well as financial protection in case of any collision with a third party. This policy is crucial for the peace of mind of car owners.

3. Quite Affordable: A car third party insurance plan is the minimum required plan due to which it is compulsory to own and available at a very affordable rate due to its limited policy coverage. Policyholders generally select this cover due to its cost-effectiveness as well as compulsion by the law.

4. 24x7 Assistance: If you buy a Digit third-party car insurance cover you can avail of the insurance-related assistance 24x7 in case of any unforeseen event.

Must Read Articles before buying Digit Car Insurance

Digit Car Insurance 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.

    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.

    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.

    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.

    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.

    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.

    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.

    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

    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.

    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.

    S
    By Shreya Girotra
    On: June 13, 2024

414 Digit Cashless Garages in India

Digit Third Party Car Insurance FAQs

  • What happens if I am involved in an accident in a different city or state?

    Digit General Insurance provides coverage to its policyholders irrespective of the city or state in which the incident takes place. However, the place of accident/mishap should not be outside the geographical coverage mentioned in the policy document.

  • How much compensation is provided if an accident results in permanent total disability of a third party?

    The final compensation amount is decided by a court of law and the indemnification cost is borne by the Insurer.

  • Does the insurer bear the expenses incurred during a court trial involving the insured car?

    Yes, the Digit third party liability cover offers indemnification for the expenses incurred during a court trial.

  • Do I get coverage for car theft under Digit third party car insurance policy?

    No, Digit third party car insurance policy provides the basic coverage only for the third party. The insured does not get compensated for the theft of the insured’s car under this policy.

  • Can I extend the coverage for the Digit third party car insurance policy?

    No, the coverage of the Digit third party car insurance policy can not be extended as it does not offer any add-on covers but provides only basic coverage. For extensive coverage, you can opt for the comprehensive car insurance policy.

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