Digit Car Insurance FAQs

The incurred claim ratio of the Go Digit Car Insurance Company is 76%.

To check the unclaimed amount status online, visit https://www.godigit.com/claims/document-upload 

Downloading the policy document online is very simple and can be done in two ways:

• Send an email to hello@godigit.com and the insurance provider will send the policy document to your registered email address.
• You can register a request for a policy document through WhatsApp. Within 3 simple steps, you can receive the copy of the policy document on your mobile.

Once all the relevant paperwork is completed the insurance provider settles the car insurance claims in 7 to 10 working days.

No, Pay-as-you-drive car insurance facility is not offered under the car insurance plan offered by Go Digit General Insurance Company.

Yes, Digit car insurance allows customers to add in add-on covers at the time of policy renewal. You can opt for unlimited add-on covers to your insurance policy. 

Yes, where you live or RTO, where your vehicle is registered, can influence your insurance premiums. People living in the metropolitan area have to pay higher premiums as a higher number of threats are involved. 

Yes, you can quickly check your car insurance renewal status online by visiting the insurer's website or by visiting the RTO website. 

You can renew your Digit car insurance policy a minimum of 45 days before the expiry of the existing policy. 

If you do not renew your insurance policy even after the grace period, your policy will lapse. 

To file an insurance claim, you can use the 24*7 response toll-free number of Digit car insurance 1800-258-5956. You can also file a claim by visiting Digit's official website.

Yes, you can easily purchase Digit four-wheeler insurance online.

Digit car insurance claim settlement ratio is very high, with over 80.47% of claims settled so far.

Because of the high requests received by Digit car insurance, the claim settling procedure can take a little longer. However, you get financial assistance in time.

You can check your Digit car insurance policy status online by visiting the e-service VAHAN website. You need to feed in your registration details and enter the verification code that you receive on your registered number. After the authentication, you will get to see your policy details. 

Upon purchasing the Digit car insurance policy, you will get your insurance document online. On the first page of the document, your customer ID will be mentioned. 

Yes, you get varying insurance numbers for the different vehicle insurance policies. It is unique to the customer and used for authentication and registration purpose. 

Yes, if you falsify the data on your insurance policy document, then your insurance claim can get rejected. Also, there will be legal repercussions against it. 

You include add-ons at the time of buying your Digit car insurance policy. If you wish to buy add-ons after purchasing your policy, you can do so from Digit's official website.

Yes, after accidents, customers can avail of free pick-up and drop services from Digit. This is covered in the base Digit car insurance policy.

No, you do need to provide any additional documents to buy the Digit four wheeler add-on covers.

No, there is no limit on the number of add-on covers that you can add to your insurance policy. These covers are only available to those who have purchased a comprehensive insurance policy. Customers are advised to add only those covers that might be useful for them.

The claim settlement ratio of the Digit comprehensive four-wheeler insurance policy is 80.47%.

Digit comprehensive four-wheeler insurance policy offers policyholders a wide range of networks of garages to choose from. However, the policyholder can opt for the garage outside the Digit garage network. You will receive an advance for the repairs after the examination by the insurance provider.

You do not need to submit any additional documents for availing of the Digit comprehensive four-wheeler insurance policy.

Yes, you do need to pay an additional amount for add-on while paying your base premium.

The claim settlement ratio of Digit third-party car insurance is 96% for privately owned vehicles. 

No, under third-party car insurance, you cannot buy add-on covers.

Under Digit third-party car insurance third party can claim unlimited liability. 

Yes, it is mandatory to produce FIR or chargesheet to claim third-party insurance. 

RTO area and the engine capacity of the vehicle will determine the premium amount of the third-party insurance. 

You can make twice for a zero depreciation claim throughout the tenure of your insurance policy.

Yes, you can get Digit car insurance zero depreciation add-on cover on the second-hand car only if the vehicle is below 5 years old.

Yes, you get complete autonomy here. You can pay depreciation charges if you wish to at the time of claim settlement.

Tyres are not usually included in the zero depreciation add-on cover. However, it differs from insurer to insurer and the damage stood by the tyre.

Yes, you can claim zero depreciation if you damage your own car. However, the damage must be involuntary.

Yes, you can purchase Digit standalone policy online by visiting the official website of the Digit General. 

Following are the add-on covers that you can purchase along with the Digit car insurance own damage cover: 

• Zero deprecation cover 
• Tyre protection cover
• Consumable cover 
• Return to invoice cover
• Roadside assistance cover
• Engine and gearbox protection cover
• Passenger cover 

In India, you do not need standalone car insurance to drive the vehicle on the road. However, after purchasing your third-party insurance, which is mandatory under the act, you might need the insurance cover for your protection. In such scenarios, standalone insurance provides you financial cover without surrendering your third-party insurance or purchasing expensive comprehensive car insurance. 

Standalone car insurance premium is calculated by keeping the following things in mind:

• IDV (Insured Declared Value)
• Premium rates 
• Add-on cover rate 

If applicable, you also get an additional discount while calculating the insurance premium. 

You need to raise the claim under standalone car insurance within 24 hours of the accident. However, the sooner you do it, the better it is to process for the insurer and get the benefits.