Digit Third Party Car Insurance

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The Motor Vehicles Act, 1988 makes it mandatory for all vehicle owners to avail of motor insurance before driving on the road. Driving your vehicle without this insurance is a punishable offense. Talking about third-party insurance, it offers a protective cover against vehicular or physical damage to the only third-party. If you want to buy insurance for your vehicle, Digit third-party car insurance is here. Let’s know more about the liability only insurance offered by Digit below. 

Digit third party car insurance is limited insurance that only compensates a third- party against the damages caused by your involuntary negligence. Under this insurance, the third-party is eligible to get up to INR 7.5 Lacs as a compensatory amount in case of property damage. The term period for the Digit third party car insurance ranges from 3 years to 5 years. 

How does Digit Third Party Car Insurance Work?

There is a legal requirement for all vehicle owners to avail third-party insurance. Because of its limited nature, premiums are lower. You can avail of Digit third party car insurance after 14 days of the vehicle purchase by visiting the official website or by visiting the Digit office in person. 

Digit Third Party Car Insurance vs. Comprehensive Car Insurance

There are two types of insurance that all vehicle owners purchase. Following is the tabular representation of the differences and the specifications of the Digit Third Party Car Insurance: 

Digit Third Party Car InsuranceDigit Comprehensive Car Insurance
It offers legal protection to the vehicle owner against the third-party liabilities, and the monetary benefits are extended only to the third-party. It also offers legal protection against third-party liabilities; however, the financial protection covers both, third parties and policyholders. 
You are not allowed to add, add-on covers under Digit third party car insurance.You can add as much add- on covers as you want under Digit comprehensive car insurance.
There is a legal requirement to purchase this insurance. There are no legal obligations to purchase this insurance. 
Insurance premiums are significantly lower.Insurance premiums are slightly higher. 

How to Buy Digit Third Party Car Insurance?

Follow the following steps to purchase Digit third party car insurance: 

  • Step one

Visit the official website of Digit general car insurance. 

  • Step two

Navigate through the website and click on the tab to purchase a new policy. 

  • Step three

Feed-in details such as engine or chassis number, make of the car model number, and other required information to get the policy details. 

  • Step four

Specifically, select the tab that mentions third-party insurance. 

  • Step five

Read all the terms and conditions extremely carefully and verify all the details before submitting. 

  • Step six

Once everything is in order, you can make payment via net banking or through credit or debit card. 

What All is Covered Under Digit Third Party Car Insurance Policy?

The following things are covered in your Digit third party car insurance: 

Damages to the third party

This is one of the primary reasons for which this insurance is recommended under the legislation. All the physical injuries to the third-party are covered under it. This car insurance also covers the eventual death of the person. For all the expenses, a third party is eligible to get INR 7.5 lakh as a liability against property damage. However, there is no set limit for compensation, in case of third-party death. 

What All is not Covered Under Digit Third Party Car Insurance Policy?

The following things are not covered under the Digit third-party car insurance:

Own Damages

After the accident, if your vehicle has also incurred the damages, those will not be covered under Digit third-party car insurance. 

Driving without a valid licence or illegal acts of driving

If the accident occurred when you were driving without a valid driving licence, or if someone was driving your vehicle with or without a valid licence, then the damages won’t be covered under Digit third-party car insurance policy. In addition, if the accident occurred due to any illegal act of driving like racing, speeding, etc., then the insurance won’t provide any coverage.

Driving under the influence of intoxicants:

If you were under the influence of the intoxicants such as alcohol, drugs, or any other intoxicants, then the damages incurred in that accident will not be covered under Digit third party car insurance. 

Key Benefits of Purchasing Digit Third Party Car Insurance

Following are the benefits you avail yourself when you purchase Digit third-party car insurance: 

  • After availing of Digit third-party car insurance, you become eligible to legally drive on India’s streets.
  • It protects you against the financial liabilities arising out third-party damage incurred by your negligence.
  • When you have proper insurance papers on you, you do not have to pay any fine or penalty at the checkpoints.
  • Digit third-party car insurance can be availed and renewed easily online, so you do not have to spend too much time, money, and energy in order to get insurance.

Digit Third Party Insurance Review

All the reviews are testimonials on the website and other platforms that are suggestive of the efficiency of the Digit third-party car insurance. Customers are, however, advised to read all the policy-related documents and research before purchasing the policy.  

Digit Third Party Car Insurance FAQs

  • 1. What is the claim settlement ratio of Digit third-party car insurance?

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

  • 2. Can I go for add-ons under Digit third-party car insurance?

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

  • 3. How much amount is availed under Digit third-party car insurance as personal damages’ liabilities to the third party?

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

  • 4. Is it mandatory to produce FIR to claim third-party insurance?

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

  • 5. How the premium amount is determined in the third-party insurance?

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

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