Go Digit General Insurance

A non-life general insurance company, Fairfax-backed Go-Digit started its operation in November 2017. The company aims at simplifying insurance plans so that they are extremely easy to comprehend. With the aim to ‘make insurance simple’ all the procedures have been digitised, thereby, easing the long and tedious claim settlements. The company offers the following:

1. Digit Car Insurance
2. Digit Two-wheeler Insurance
3. Digit Health Insurance
4. Digit International Travel Insurance
5. Digit Property Insurance
6. Digit Home Insurance
7. Digit Shop Insurance
8. Digit Fire Insurance

Digit Car Insurance Plans

Car insurance protects your car from the risk that is caused by accidents, thefts and even natural disasters. Let us take a look at the car insurance plans:

The scope  of comprehensive car insurance becomes wider with the add-ons:

Digit Two-Wheeler Insurance Plans

Let us take a look at the different aspects of two-wheeler insurance options:

• Third-party Liability Insurance Policy
  During an accident, if your bike causes any damage or injury to a third-party person or property, TP insurance will cover all such costs. Third-party insurance policy is compulsory under the Indian Motor Act.
• Standalone Own-Damage Two-Wheeler Insurance
  Standalone OD is an optional cover which you can purchase when you already have third-party insurance. It would cover the damages to your bike, that are caused because of:
  1. Accidents
  2. Man-made Thefts, riots, terrorist activity or vandalism
  3. Self-ignition
  4. Natural calamities such as earthquakes, floods, landslides etc
• Comprehensive Two-Wheeler Insurance
  A combination of third-party and own-damage cover, comprehensive insurance covers the third-party damages along with the cost of repair of your bike.
• Personal Accident Cover for Owner Driver
  In the case of physical harm to the insured person while riding:
  1. Death
  2. Loss of limbs
  3. Permanent disability
• Add-ons for extra Coverage
• Zero Depreciation Cover 
  Nullify the expenses that are otherwise not covered on depreciation of car parts.
• Return to Invoice
  If your car goes for total loss or gets stolen, you will be compensated with your car's invoice value.
• Engine and Gearbox Protection Cover
  Repair and replacement of gear box and internal parts of the engine will be covered
• Consumable Cover
  Consumable items such washers, screws, nuts and bolts, etc are covered.
• Breakdown Assistance
  In case your vehicle breaks down in the middle of nowhere, you can get help from the company.

Other Types of Motor Insurance Plans with Digit Motor Insurance are:

• Commercial Vehicle
• Taxi/Cab/Auto Rickshaw Insurance
• Truck Insurance

Digit Health Insurance Plans

Health insurance covers you financially when you face a health condition or are in a medical emergency that could be due to an illness, injury or accident. Here are the features that make digit health insurance plans very beneficial:

• Simple online procedures
• Covers COVID-19
• No age-based co-payment
• Refill of the sum insured
• Cumulative bonus for staying healthy
• A network of 5,900 hospitals

Digit Travel Insurance Plans

Digit’s International Travel Insurance plans are created with the aim to offer maximum protection even when you are away from home. In some countries having travel insurance is mandatory for all travellers. Even if travel insurance is not mandatory, if you plan to go on an international trip, it would provide you with the much needed financial support in case of any problem.

Go Digit Premium Payment

Paying premium online would just take a few minutes. The process is simple and can be done in a few clicks. Visit the official website, select the plan that you have to pay for and make the payment through your Credit Card/Debit Card/ Net Banking/ UPI Wallet.

Go Digit Renewal Procedure

        A. Car and Two-Wheeler Insurance Plans

You can renew your insurance policy online within a few minutes. Visit the official website, and enter your previous policy details. Select the plan you want, and the add-ons that you wish to opt for if any. You will then see the premium amount and can make payment through an electronic medium. 

        B. Health Insurance Plans

To renew any of your health insurance policies, you need to sign in to the company website, through your mobile number or with your policy details. You may also click https://www.godigit.com/login for the same. If you wish to modify the policy, like add any riders or enhance the sum insured, you can do it at the time of renewal. 

Go Digit Expired Policy Renewal Procedure

        A. Car and Two-Wheeler Insurance Plans

If your motor insurance has expired, you can speak to the customer care and request for a surveyor’s visit. The surveyor will assess your vehicle and accordingly approve the renewal. Post the survey, you will be notified about the premium amount and the procedure to be followed. You would be able to make the payment through an electronic medium. 

        B. Health Insurance Plans

When your policy expires, the 30-day Grace Period begins. You must get your policy renewed during this if you wish to continue with the policy benefits. If your policy has lapsed, you must get in touch with the customer care as early as possible. They would guide you about the renewal. Depending upon your selected plan, your age and the time lapse a medical screening may or may not be required. 

Car and Two-Wheeler Insurance

The claim procedure is totally digital. You just need to call on 1800-258-5956. Do the self-inspection by shooting the damages of your vehicle on your phone and upload it through the link that is shared with you. Then you need to select any of the following claim procedures:

• Cashless Claim
  When the vehicle is repaired at a Digit Authorised Repair Center, the payment for the approved claim amount is made by the company directly to the repair centre.
• Reimbursement 
  When you get your vehicle repaired at a non-network garage, you clear the bill on your own and then submit all the bills and receipts for reimbursement.

Health Insurance 

• Cashless Claim
  When you have to be hospitalised at a network hospital, you need to present your e-health card at the helpdesk, and fill in the cashless request form.
• Reimbursement 
  Call on 1800-258-4242 or send an email at healthclaims@godigit.com. You will receive a link where you can upload the hospital bills and all relevant documents. The reimbursement request will then be processed.

Travel Insurance

To make a claim for your international travel, you need to give a missed call at 1800-103-4448 if in India, or at 91-7303470000 if abroad. You may also send an email regarding the same at - travelclaims@godigit.com.  A company executive will call you back within minutes. You will receive a link where you can upload all relevant documents and details.

Go Digit General Insurance Limited-Company Profile

Started in the year 2016, by Kamlesh Goyal, Digit General Insurance Company became the General Insurance Company of the year, 2019, in Asia. Since its operations, the company has served over 5 million customers and achieved around 300 USD of annualised premium. The company also received a high customer rating of 4.7 out of 5 on Facebook. Out of the many attractive features, the most attractive benefits are: 

• Very user-friendly and easy-to-follow online portal helps customers manage the procedures on their own
• 80% advance payments for repairs at a garage of your choice
• Smartphone-enabled self-inspection for motor claims is a unique and much-preferred way of vehicle assessment
• Thanks to an efficient system there are super quick settlements
• 24x7 customer care support

Go Digit General Insurance Limited Customer Care Details