Private Car Third Party

What is Car Insurance?
Car Insurance, also known as auto or motor insurance, is a type of vehicle insurance policy that protects you and your car from any risks and damages caused from accidents, thefts or natural disasters. So, you will be financially secure in case of any losses that may be incurred because of any such unforeseen circumstances. In addition to that, you will also be protected from third-party liabilities.

Whether you want to just legally comply with the law with the most basic, third party car insurance, or give your car ultimate protection with a comprehensive car insurance or own damage policy, Digit offers you a third-party, comprehensive and own damage car insurance at affordable premiums online.

The best part? You can customize your IDV yourself, along with 7 beneficial add-ons to suit your car. So, whether you want to buy/renew a car insurance by Digit or make a claim- everything can be done online with our quick and simple smartphone-enabled processes.

What's Covered in Digit Car Insurance?
Accidents: Damages and losses that may arise out of accidents and collisions

Theft: Covers for the losses incurred when your car is unfortunately stolen

Fire: Damages and losses caused to your car due to an accidental fire

Natural Disasters: Damages and losses to your car in case of natural calamities such as floods, cyclones, etc.

Personal Accident: If there is a car accident and unfortunately, it leads to death or disability of the owner

Third Party Losses: In cases where your car causes damages and losses to someone else, their car or property.

Add-on Covers with Digit Car Insurance
Car insurance add-ons which you can buy with your car insurance policy

Zero Depreciation Cover: Ideal for cars less than 5 years old, zero depreciation cover allows you to nullify the depreciation charged on your car and its parts and gives you the full value of repairs, costs and replacements during a claim.

Return to Invoice Cover: In case of theft or damages beyond repair, return to invoice add-on gives you the benefit of getting back the complete amount of your car's invoice value, including the cost of registering a new vehicle and its road tax respectively.

Passenger Cover: We hope this never happens, but if something happens to the person sitting with you in the car, in an unforeseen accident this cover is a fall back.

Tyre Protect Cover: Generally, tyre damage isn't covered in standard insurance unless the damage takes place during an accident. That's why this tyre protect add-on gives you the benefit to safeguard and cover for tyre damages such as tyre bursts, bulges or cuts during all other situations possible.

Breakdown Assistance: We all need a little help sometimes! Our Breakdown Assistance Add-On gives you the benefit of taking help whenever required, i.e assistance during car breakdowns at any time you'd like. The best part? It doesn't even count as a claim!

Consumable Cover: A consumable cover gives your car an additional layer of protection. It covers the cost for all your car's nitty-gritties, such as the engine oils, screws, nuts and bolts, grease, etc in a situation of an accident.

Engine and Gear-box Protection Cover: Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard car insurance policy, only damages caused during the accident are covered. However, with this add-on, you can specifically also cover for the life of your car (the engine and gearbox!) for any consequential damages caused post the accident. This could happen due to water regression, leakage of lubricating oil, and undercarriage damages.

What's not Covered
It is equally important to know what's not covered in your car insurance policy, so that there are no surprises when you make a claim. Here are some such situations:
Own Damages for Third-Party Policy holder: In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won't be covered.

Drunk Driving or without a License: [B]You were driving drunk or without a valid driving license.

[B]Driving without a valid Driving License holder: You hold a learner's license and were driving without a valid driving license-holder in the front passenger seat.

Consequential Damages: Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)

Contributory Negligences: Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer's driving manual, will not be covered)

Add-ons not Bought: Some situations are covered in add-ons. If you haven't bought those add-ons, the corresponding situations will not be covered.

Why should you buy Digit Car Insurance?
We treat our customers like VIPs, know how...

Cashless Repairs: 1400+ Cashless Network Garages for you to choose from across India

80% Advance Payment for Repairs: If you can't find any cashless garages nearby, we will pay 80% Advance payment to the garage of your choice.

Doorstep Pickup & Repair: Doorstep pickup, repair and drop with 6 months repair warranty - for repairs at our network garages

Smartphone-enabled Self Inspection: Just click the damages on your phone and you are done

Super-Fast claims: We've settled 96% of all claims for private cars!

Car Insurance plans that fit your needs
Third party: A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.

Comprehensive: A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.

Benefits of a Car Insurance Policy
Protect your Pocket from Financial Losses: Whether you go for a third-party car insurance or comprehensive car insurance, having a car insurance can benefit you by saving you from paying huge amounts in case of damages and losses caused during an accident, a natural calamity, fire, theft and other such unforeseen circumstances. Additionally, you can also protect yourself from hefty traffic fines!

Avoid Problems Caused Due to Third-Party Damages: Accidents happen with everyone. In case you end up in a situation where you've accidentally hit someone, a car or someone's property, your car insurance will be there for you to cover for the damages and losses incurred to the third-party so you don't need to spend hours arguing or fighting over it!

Get Better Coverage & Benefits with Add-Ons: If you opt for a comprehensive car insurance, you can benefit further by getting better coverage for your car using add-ons like the zero-depreciation cover, return to invoice cover, consumables cover, and breakdown assistance, amongst others.

Be the Good Person in the Eyes of Law: As per the Motor Vehicles Act, all cars must have at least a third-party car insurance. Without one, you will be liable to pay a penalty of Rs 2,000 for the first offence and Rs 4,000 for the second time.

Get Doorstep Pick-up & Drop: When you opt for Digit's comprehensive car insurance, you benefit a little more by getting free doorstep pick up and drop when your car needs to be repaired off some damages

Save on Time!: Thanks to technology, with Digit- everything from making buying a car insurance to making a claim can be done online within a few minutes. This means you don't only save on money but, also save on your precious time!

How to choose the right Car Insurance?
Here's what you should look for to pick the right car insurance for your car:
Buying Process: Everyone's crunched for time. Therefore, always look for a car insurance from where getting one doesn't involve long, cumbersome processes. With Digit, you can buy your car insurance within minutes, online.

Right IDV: Your IDV, the market value of your car is one of the most important parts about your car insurance. This is because it directly affects your car insurance premium, and during claims- your claim amount as well. With Digit, we let you customize your IDV yourself.

Service Benefits: We all love a few extra benefits, don't we? Therefore, one of the things you should look for in choosing your car insurance is the kind of service benefits it offers. For example, at Digit one of our star service benefits includes Doorstep Pick-Up and Drop!

Claim Process: Claims are the reason we get a car insurance in the first place! Therefore, ensure the claim process of your desired car insurance is smooth and doesn't take too long. When you're in trouble, the last thing you want is, to spend all your time and energy in just filing a claim!

Claim Settlements: Claim Settlements are basically getting your compensations done right. Claims being such an important part of a car insurance, check for your desired insurer's claim settlement ratio so that you're assured that no matter what, your claims will be settled!

Customer Support: Perhaps underrated, but customer support is so important when it comes to car insurance. Think about it. Who will you call in times of trouble? Therefore, look for a car insurer that gives you 24x7 support, so you always have someone to rely on!

Car Insurance Terminologies you need to know

What is IDV in Car Insurance?
IDV is the maximum amount your insurance provider can give you, in case your car is stolen or totally damaged.

The Insured Declared Value and your car insurance premium go hand in hand. This means, the higher your IDV is, the higher your car insurance premium and as your vehicle ages and IDV depreciates, your premium also decreases.

Also, when you decide to sell your car, a higher IDV means you'll get a higher price for it. Price may also be affected by other factors like usage, past car insurance claims experience etc.

So, when you're choosing the right car insurance policy for your car, remember to make note of the IDV being offered, and not just the premium.

A company offering a low premium may be tempting, but this could be because the IDV on offer is low. In case of total loss of your car, a higher IDV leads to higher compensations.

At the time of resale, your IDV is indicative of the market value for your car. However, if you have maintained your car really well and is shining as good as new, you can always aim at a price more than what your IDV might offer you.

At the end of the day, it all boils down to how much love you have showered on your car.

What is No Claim Bonus (NCB) in Car Insurance?
NCB (No Claim Bonus) definition: NCB is a discount on premium given to the policyholder for having a claim free policy term.

A no claims bonus ranges from a discount of 20-50% and is something you earn at the end of your policy period by maintaining a record of making no car accident claims under your car insurance policy.

This means that you can't get a no claims bonus when you buy your first comprehensive car insurance policy you can only get it on your policy renewal. Your no claims bonus increases after every claim-free year on your policy renewal.

For example, you can earn a 20% NCB after the first year of having no claim under your car insurance policy. This percentage will increase with every claim-free year, reaching 50% after 5 years and resetting to zero when you make a claim.

After reaching 50% in the 5th year, your NCB stops rising and remains the same. This is called the No Claim Bonus Sunset Clause.

A No Claim Bonus is meant for the car insurance policyholder regardless of the car. This means, even if you switch your car, your NCB stays with you.

If you decide to buy a new car, you will be issued a new car insurance policy, but you can still avail of the NCB you accumulated on the old car or policy.

Zero Depreciation Cover in Car Insurance
A Bumper-bumper or Zero dep cover or Parts Depreciation Cover, makes sense for cars less than 5 years old. Like everything in life, there is a decrease in value of certain parts of your car, including the bumper or any other metal or fiber glass parts.

So, when a damage happens, the full cost of replacement is not given as depreciation is deducted from the claim money. But this add-on makes sure there is Zero Depreciation and you get the full value of the cost of repair/replacement provided.

In short, if your car is partially damaged, you don't have to bear the amount being calculated for depreciation and your insurer will take care of everything.

What is Cashless Claims in Car Insurance?
If you opt to get your car repaired with a Digit Authorized Repair Center, we will make the payment for the approved claim amount, directly to the Repair Center. This is a Cashless Claim.

Please note, if there are any deductibles, like a Compulsory Excess/ Deductible, any repair charges for which your insurance doesn't cover you or any depreciation costs, that is to be paid by the insured's own pocket.

How to Choose the right Car Insurance Policy?
Use Car Insurance Calculator and Calculate the Premium Online
To help you understand and customize your car insurance premium better, we've given you the option calculate your car insurance premium yourself using this car insurance calculator.

What decides your car insurance premium? You can notice this in your car insurance premium calculator too. The factors affecting your premium include:

Type of Car Insurance Policy
Your Car's IDV
Add-Ons Opted
Deductibles
No Claim Bonus
Make & Model of your Car
Age of your Car

Tips to reduce your Car Insurance Premium
Increase Voluntary Deductible - If you have had no claims for more than 4-5 years, or you think you can afford to pay more from your pocket during claims, you can look at increasing your Voluntary Deductible and decreasing your car insurance premium.

Maintain a Good Driving Record - This is obvious, but important. Apart from being safe on the road, cautious driving in speed-limits, will avoid accidents and make sure you get a No Claim Bonus each year.

Choose the Right Add-ons - Additional covers can be really beneficial, as long as you choose the right ones. Therefore, pick not all but selective add-ons you think are valuable for you and your car.

Compare Car Insurance Quotes Online
Make sure your car insurance company is giving you the right information on the below.
Check your IDV - A lot of cheap car insurance quotes will have a low IDV (Insured Declared Value), which is the market value of your car. If it is low, then at the time of claim, esp. during theft and total damage, you are in for a shock! So setting this at the Right Value is important. Digit gives you the option to set it while buying your car insurance policy online.

Check the Service Benefits - Go for a company that gives you good after-sales services. Some of the services Digit offers are Doorstep Pickup, Repair & Drop with 6 months Warranty, 24*7 Customer Care Support, Cashless at 1400+ Garages, and many more.

Speed of claims of the insurer - You buy insurance for claims, so this should be investigated before you switch for a company. 90.4% of Digit's claims settled are within just 30 days. This means our claims are fast and hassle-free. Plus we have a Zero Hardcopy policy i.e. we just ask for soft-copies, completely paperless claims!

Best value - If you are satisfied with the service and the IDV is right, check the premium and the discount you are getting.

Common Mistakes to avoid while Comparing Car Insurance Quotes
It's a great thing to compare your car insurance quotes before buying. But make sure you're comparing them on the below parameters. What do people usually look for while renewing their car insurance?
Low Premium
But what should you actually look for while renewing your car insurance?
Right IDV
Great Services
Killer Prices

Why Renew Car Policy with Digit?
Why choose Digit for your Car Insurance Renewal?
It doesn't matter whether your old car insurance policy was with us or not, choosing Digit for Car Insurance renewal is easy and hassle-free and can be done within minutes online.

Looking to renew your car insurance policy with us for the first time? Here are some benefits to look forward to:
Quick claims -Everyone's primary objective of buying a car insurance is so that they can get their claims done easily during times of need. Luckily, with all our processes everything from making a claim to assessing car damages can be done online.

Cashless Car Repairs - The last thing you want to do at the time of an accident is spend unnecessarily from your pocket. That's why we offer the option of cashless repair, where you can just drop by at any of our network garages and get your claimed repairs done without any extra money spent.

Large Network of Garages - You can avail cashless services only at our network garages but lucky for you, we have 1400+ garages spread across the country that you can choose from.

Doorstep Pickup & Drop - As and when the need arises, such as if your car can't be repaired in time, we offer our pickup and drop services, so you don't have to worry about the logistics.

Why buying a Car Insurance online makes sense?
When's the last time you made the effort to pay your electricity bill at your registered center or, when was the last time you went to your kirana shop to get your mobile recharge done? It's been a while hasn't it?

Thanks to the power of the internet, most of us now use the internet to get most things done. Pay bills, recharge and now, even order groceries! Naturally, technology has also progressed in a way that we need not visit insurance agents or get in touch with our dealers to get our car insurance anymore.

Now, you can simply buy your car insurance online All you need is your basic car details and your debit/credit card to process your premium and that's it, your car insurance policy will be emailed to you within minutes.
Buying a car insurance online can save you so much time. You need not waste your time waiting or visiting someone to get the job done. You can do it right there on your couch, with your laptop in your hand and just about five minutes to spare.

Buying a car insurance online allows you to customize your car insurance policy yourself. Moreover, with Digit's Car Insurance; you can also customize your car's IDV yourself.

Buying a car insurance makes a lot more sense as the process of buying one becomes instantly transparent since you're the one buying it for yourself firsthand, instead of relying on a third-party person to do it for you.

The best part about buying a car insurance online is the fact that there is absolutely no paperwork involved!

Buy or Renew Secondhand Car Insurance Online
Whether you've just purchased a brand-new or second-hand car, a car insurance policy can be bought for any of them.

However, while purchasing your second-hand car check if the owner already has a valid car insurance and get the same transferred to your name, well within 14 days of purchase. Additionally, while insuring your second-hand car, you need to make sure:
Both the car and insurance are transferred to your name successfully. You should ideally do this within 14 days of purchase.

Make sure you are aware of the claim history of the car. You can simply do this by providing the policy number to the respective car insurance company.

If you've had a car insurance earlier, make sure you transfer your No Claim Bonus to your new car insurance policy.

In case the owner hasn't had a car insurance, or it has expired, you can instantly insure your car on our website here.

If you've successfully transferred your secondhand car's insurance in your name already, check the expiry date and make sure you renew it before or on the date of its expiry.

Buy or Renew Car Insurance for an Old Car
Whether you've just bought an old, second-hand car or have realized you don't have a car insurance for your current car yet; you can instantly insure the same on our website.

However, here are three important things to keep in mind before buying a car insurance online for your old car:
Car Use & Type of Insurance - There are essentially two kinds of car insurances; Third-Party and Comprehensive Car Insurance. Although we generally recommend getting a Comprehensive Car Insurance for maximum benefits, you could also go for a Third-Party Insurance if you're not going to use the car much or are going to discard it soon. In this situation, a Third-Party Car Insurance could make sense as it at least fulfils your car's legal responsibility.

IDV (Insured Declared Value) - The IDV, i.e. Insured Declared Value is the market value of your car. Since your car is old, the IDV too would be low (you can customize this accordingly on our website while buying a car insurance online) due to the depreciation over time, depending on how old it is. The IDV directly affects your premium and sum insured. While the premium will be low, the sum insured too would be low at the time of a claim.

Add-Ons - Add-ons are what you can opt for while buying a car insurance for your old car online. However, this only applies when you're purchasing a Comprehensive/Standard car insurance policy. These help you and your car with maximum coverages and benefits such as; tyre protect, gearbox and engine protection, return to invoice, etc. However, since you're planning to buy a car insurance for an old car, see which add-ons would be applicable or not. For example; A Zero Depreciation or Bumper to Bumper cover may not be applicable if your car is more than five years old.

Buy or Renew an Expired Car Insurance Policy
Why is it Important to Renew your Expired Car Insurance Policy on time?
You'll Lose out on your NCB - Your NCB is your No Claim Bonus accumulated for the years you haven't made any claims. The higher your NCB, the higher your discount during renewals. However, if you don't renew your policy before it already expires, you lose out on your NCB and hence the discount too!

Higher chances of paying a penalty - If you don't renew your car insurance policy on time, you may be liable to pay a penalty fine as your previous car insurance policy won't hold true after its expiry date has passed.

Bear the Financial Brunt - Apart from saving on traffic penalties and your NCB, not renewing your car insurance policy in time means you may end up losing out on money in case of an unfortunate accident or mishap. Therefore, it's always better to be safe than sorry and get your car insurance policy renewed before the expiry date of your existing policy!