Digit Car Insurance Add on Covers

Add-on covers refer to the additional insurance benefits that you can avail yourself of in addition to the base insurance policy. For each add-on cover, you will have to pay an additional amount in your premium. 

Digit comprehensive car insurance policy allows policyholders to add Digit car insurance add-on covers along with their base insurance policy. These benefits can not be availed by third-party insurance holders. You can add the covers that you feel are necessary for you and customize your policy. These are the additional benefits, and they are not included in the base insurance policy.

Important Car Insurance Add-on Covers Offered by Digit

• Zero Depreciation Cover:

Zero depreciation cover is also referred to as the nil depreciation. With age and time the value of a vehicle degrades/depreciates. Hence, which leads to its lesser market value or we call it Insured Declare Value(IDV). So, at the time of claim, the insurance company offers you the claim amount after taking into consideration the depreciation value of your car and its parts. With Digit zero depreciation car insurance add-on cover, you can receieve the full claim amount without bearing the loss of your car’s depreciated parts. 

• Consumable Cover:

The consumable products used by your vehicle, such as oil, nuts, and bolts, do add up to a substantial amount at the time of the repair. With the consumable Digit car insurance add-On cover, your insurer will take care of all the expenses in repairing or substituting the consumable. There is no tab on how much the repair amount should be. With consumable add-on cover, you don't have to worry about those expenses after an accident. 

• Return-to Invoice Cover:

If your vehicle gets involved in a huge accident and damages incurred by your vehicle are beyond repair, then the return-to invoice Digit four wheeler insurance add-on cover will become your savior. This add-on cover can slightly increase your insurance premium, but the benefits you get are phenomenal. The insurance provider will carefully assess all the mishaps incurred by your vehicle. Once it is settled that your vehicle is damaged beyond repair, you get the amount that is mentioned in the invoice of your vehicle purchase as an insurance amount from the insurer. In order to avail of this add-on the cover, you need to keep all your vehicle ownership-related receipts intact. 

• Roadside Assistance Cover:

Roadside assistance cover is one of the most essential Digit car insurance add-on covers you can avail of. It ensures that you get all the roadside assistance in case of an accident and also otherwise. Under this cover, benefits such as towing your vehicle, getting tyres or wheels fixed, and making taxi service available to you are offered. To get all these benefits, you must be within the 500-kilo meter radius from your place of residence. Any help with your vehicle can be availed under this cover. 

• Engine Protection Cover:

Most standard car insurance provides financial cover for the vehicular damage incurred in an accident. Under the engine protection cover of the Digit car insurance add-on cover, damages that occurred as a result of an accident to the vehicle's engine are covered. Reparing an engine is a costly affair, especially if you own a luxury car, with this add-on, you can do a lot of savings when it comes to repairing a damaged engine.  

• Tyre Protection Cover:

Most insurance service providers do not cover tyres in their insurance policy. Tyres are, in fact, the part of the vehicle that gets damaged most or has more chances of getting wear and tear over the years. With the rise in the prices of tyres, it is getting extremely difficult for vehicle owners to maintain their tyres or even the cost of replacing the tyre. By adding tyre protection cover to your Digit car insurance add-on, you do not have to worry about the expenses related to tyres. 

• Passenger Cover:

Comprehensive car insurance protects the policyholder or vehicle owner from the physical injury inflicted on the passenger. Extending this protective cover to your loved ones who might be in the passenger seat also becomes essential. Therefore, adding passenger cover to your Digit car insurance policy would be wise. This way, you get protective cover from your insurer for any person sitting in the passenger seat at the time of the accident.