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What Effects Can Modifications Have on Your Digit Car Insurance?

Published On May 05, 2022 11:00 AM By InsuranceDekho

Read this article to discover more about the factors that determine the cost of your vehicle insurance premium at Digit General Insurance.

Your car is your most valuable property. When purchasing vehicle insurance, you must check that the cost is cheap. The cost of your vehicle insurance premium is determined by a number of factors. We'll go through the primary factors that determine the cost of your Go Digit General Insurance premium in this article. Buying your dream car is a huge accomplishment. You visit a number of websites, apply for a car loan, and then shop around for the best deal on a new car. When you buy a new car, you have a lot of responsibilities, one of which is insurance.

What Effects Can Modifications Have on Your Digit Car Insurance?

What Effects Do Changes Have on Your Digit Car Insurance?

Your car may be customized in a number of ways. A modified car has been altered to improve its appearance and performance. Your insurance company may divide your car's modifications into separate groups. Here are some examples of the kind of changes that might be made:

  • Makeovers to the look
  • Performance changes
  • Changes in the structure

If you make any alterations to your vehicle, you must immediately contact your insurance company. The insurer will almost certainly add an endorsement to your vehicle insurance policy, which will require you to pay an additional rate. Some of the changes that may result in premium-bearing endorsements include chrome bumpers, fog lights, racing tires or chrome wheels, hood decorations, front and rear spoilers, accent lights beneath the car, and superior sound equipment.

Factors Affecting Your Digit Car's Insurance

The following factors determine the cost of your car insurance premium at Go Digit General Insurance: -

Type of Coverage

The two most prevalent forms of automotive insurance are comprehensive and third-party. Comprehensive insurance covers both the insured vehicle's damages, repairs, and anything else that occurs as a consequence of unforeseeable events, as well as third-party liabilities. As a result, a complete plan for private vehicle insurance in India has a higher insurance premium than third-party insurance. Go Digit General Insurance may insure your car with both third-party and comprehensive coverage.

Types of Engines and Powertrains

Your premium at Go Digit General Insurance will be higher if your automobile has a diesel engine since diesel vehicles are more expensive. The insured stated value is a consideration to consider in this case. It's the car's current market value at the time of purchase. Premium automobiles are more expensive than their less expensive counterparts, which might be due to the same notion.

Your Field of Work

Surprisingly, your employment has an impact on the cost of your Go Digit General Insurance policy. If your employment requires you to drive your car on a regular basis, you will almost probably have to pay a higher premium. This is because the car depreciates at a faster rate than the other vehicles covered by the insurance.

Take Away

Your vehicle insurance premium will be affected by the type of modification you make and the risk the insurer sees in the update. Insurance companies see modifications to your car's look and performance as a higher accident risk. Among them are engine tweaks, spoilers, body kits, sports seats, and other modifications. Enhancements can increase the worth of your car while simultaneously increasing its vulnerability to theft. As a result, considerable care is advised in this region. If your insurance is canceled, getting your car insured will be much more difficult and expensive in the future. So double-check before announcing if you're uncertain.

Also read - Why Should You Buy Bajaj Allianz Car Insurance?


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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