Owning a car in India comes with responsibilities, and one of the most important is protecting your vehicle against damage, accidents, and unforeseen events. While third-party insurance is mandatory under Indian law, it only covers damage caused to others. To ensure complete protection for your own car, Go Digit Own Damage Car Insurance is an excellent choice for modern car owners.
With 15+ years of experience in the insurance domain and having written 10,000+ blogs on motor insurance, claim processes, and policy analysis, I’ve guided countless car owners in selecting insurance policies that balance affordability, coverage, and convenience. In this blog, we’ll dive deep into Go Digit Own Damage (OD) Car Insurance, its coverage, benefits, and why it’s a smart choice for Indian car owners.
What Is Own Damage Car Insurance?
Own Damage (OD) Car Insurance is a type of comprehensive motor insurance that protects your vehicle against damage or loss caused by:
- Accidents or collisions
- Fire or natural disasters
- Theft or attempted theft
- Vandalism or malicious acts
Unlike third-party insurance, OD coverage ensures that repairs or replacements for your own car are financially covered. This type of insurance is particularly useful for new cars, high-value vehicles, or cars frequently used in urban traffic.
Why Go Digit for Own Damage Car Insurance?
Go Digit Insurance has emerged as a digital-first insurer in India, offering transparent policies, fast claims, and affordable premiums. Here’s why Go Digit is gaining popularity among car owners:
- Digital-First Platform: Buy, renew, and manage policies online without paperwork.
- Transparent Premiums: Clear cost breakdown with no hidden charges.
- Hassle-Free Claims: Quick processing with minimal documentation.
- Customer Support: 24/7 assistance for queries and claim updates.
Go Digit’s approach combines technology and customer-centricity, making OD insurance simple and reliable.
Coverage Offered by Go Digit Own Damage Car Insurance
1. Accident or Collision Coverage
Covers repair or replacement costs for damages to your car caused by accidents or collisions, whether with another vehicle or stationary object.
2. Fire & Natural Disaster Protection
Protects your car against damage due to fire, explosion, storms, floods, earthquakes, or lightning strikes.
3. Theft or Attempted Theft Coverage
Covers full or partial loss of your vehicle in the event of theft or attempted theft.
4. Vandalism & Malicious Damage
Protects your car from damage caused intentionally by third parties or vandalism incidents.
5. Personal Accident Cover (Optional)
Provides compensation for injury or death of the owner-driver during an accident.
6. Add-On Covers
Go Digit offers several add-ons to enhance protection:
- Zero Depreciation Cover: Claim full repair costs without depreciation deduction
- Engine & Gearbox Protection: Covers mechanical failures not caused by accidents
- Return to Invoice (RTI): Full invoice value for total loss
- Roadside Assistance: 24/7 support for breakdowns and minor repairs
- Consumables Cover: Includes minor parts like nuts, bolts, and lubricants
These add-ons make OD insurance flexible and tailored to your car’s value and usage.
Benefits of Go Digit Own Damage Car Insurance
1. Financial Security for Your Vehicle
Accidents or natural events can lead to costly repairs. OD insurance ensures that your vehicle’s repair or replacement costs are covered, protecting your savings.
2. Peace of Mind
With Go Digit, you can drive confidently knowing that unexpected damage or theft will not cause financial strain.
3. Cashless Repairs
Digit has a wide network of cashless garages across India, allowing direct settlement without paying out-of-pocket.
4. Quick Claim Settlements
Go Digit’s digital-first approach ensures fast claim processing, from survey to approval, reducing downtime for your vehicle.
5. Transparent and Simple Policies
Policies are written in simple language with clear coverage details, exclusions, and add-on options, reducing confusion and improving customer trust.
6. Customizable Coverage
Add-ons like RTI, zero depreciation, and engine protection allow you to adapt coverage according to car age, model, and usage.
How Much Does Go Digit Own Damage Car Insurance Cost?
The premium depends on several factors:
- Car Make and Model: Luxury or high-value cars have higher OD premiums
- Insured Declared Value (IDV): Current market value of your car
- Age of the Vehicle: Older cars have lower IDV, affecting premium calculations
- Add-Ons Selected: Each add-on increases the total premium
- Location: Urban areas may have higher premiums due to traffic and accident risk
On average, OD insurance premiums range from ₹6,000 to ₹25,000 per year for small to mid-size cars. Digital discounts and online purchases often make Go Digit policies more cost-effective than traditional insurers.
Steps to Buy Go Digit Own Damage Car Insurance Online
- Visit the Go Digit Insurance website or app
- Enter your vehicle registration number and details
- Select Own Damage Car Insurance and optional add-ons
- Review premium and coverage
- Make secure payment online
- Receive instant digital policy documents
The entire process is fast, paperless, and user-friendly, making it ideal for busy car owners.
Why Own Damage Insurance Is Essential
- Covers repair costs for your own vehicle
- Reduces financial burden during accidents, theft, or natural disasters
- Ensures smooth claims with cashless garages
- Supports legal compliance alongside mandatory third-party insurance
For new or high-value cars, OD insurance is not just recommended—it’s essential for complete protection.
Frequently Asked Questions (FAQs)
Q.1. Is Go Digit Own Damage Car Insurance valid across India?
Yes, Go Digit policies are IRDAI-approved and recognized nationwide.
Q.2. Can I include add-ons while buying online?
Absolutely. Go Digit allows customizable coverage with add-ons like zero depreciation, RTI, and roadside assistance.
Q.3. Does Go Digit provide cashless repairs for OD claims?
Yes, Go Digit has a wide network of cashless garages for hassle-free vehicle repairs.
Q.4. How is the premium for Own Damage insurance calculated?
Premium depends on IDV, car age, location, add-ons, and claim history/no-claim bonus (NCB).
Q.5. Where can I compare Go Digit Own Damage Car Insurance with other insurers?
You can compare and manage Go Digit OD insurance using platforms like squareinsurance, which simplify policy selection, renewal, and claim tracking digitally.
Conclusion
From an insurance expert’s perspective, Go Digit Own Damage Car Insurance is ideal for Indian car owners who want comprehensive coverage, transparency, and fast claim settlements. Its digital-first model ensures convenience, while optional add-ons allow policyholders to customize protection for their vehicle’s age, model, and usage pattern.
Whether you own a brand-new car, a high-value vehicle, or a frequently used urban commuter, Go Digit OD insurance provides peace of mind, financial security, and a hassle-free digital experience.
Note:
To easily buy, renew, and manage Go Digit Own Damage Car Insurance and other motor insurance policies, download Square Insurance POS – Apps on Google Play- and enjoy complete digital convenience for all your insurance needs.
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