What is Go Digit Own Damage Car Insurance?

When it comes to protecting your car, having the right insurance is just as important as maintaining the vehicle itself. Most people know about third-party insurance because it’s mandatory by law. But what many car owners often overlook is the importance of own damage insurance.

If you're wondering what Go Digit Own Damage Car Insurance is and whether it’s worth buying, this blog will explain everything you need to know in simple terms.

What is Own Damage Insurance?

Own damage insurance is a type of car insurance that covers damage to your own vehicle. Unlike third-party insurance, which only covers damage caused to someone else’s property or vehicle, car own damage insurance protects your car from several types of risks like:

Accidents
Fire
Natural disasters (like floods, storms, earthquakes)
Theft
Vandalism or malicious damage

This kind of coverage ensures that if your vehicle is damaged or lost due to any of the above reasons, you won’t have to pay for the repairs or replacement from your pocket.

What is Go Digit Own Damage Car Insurance?

Go Digit Own Damage Car Insurance is a standalone policy offered by Digit that specifically covers damage to your own car. This policy is ideal for people who already have third-party insurance but want additional protection for their vehicle.

Since third-party insurance is mandatory, some people buy it without realizing that it doesn’t cover their own vehicle. The own damage cover fills that gap and offers you more complete protection.

Go Digit’s own damage insurance can be purchased separately and is especially useful for cars bought after September 1, 2018, as per regulatory rules.

What Does Go Digit Own Damage Insurance Cover?

Here are the main things covered under Digit’s own damage car insurance:

Accidental Damage: If your car gets damaged in an accident, the cost of repairs is covered.
Fire Damage: Any damage caused by fire, explosions, or self-ignition is covered.
Theft: If your car is stolen and cannot be recovered, you are compensated as per the policy terms.
Natural Disasters: Damage due to floods, earthquakes, landslides, and other natural events is covered.
Man-made Events: Damages caused by riots, strikes, or vandalism are included.

This coverage ensures that your investment in your car stays protected in most unforeseen situations.

What is Not Covered in Own Damage Insurance?

While own damage insurance covers a lot, there are some situations where claims won’t be accepted:

Damage when driving under the influence of alcohol or drugs
Damage when driving without a valid driving license
Electrical or mechanical breakdown
Normal wear and tear
Using the car for commercial use if it's insured for private use
Damage outside the geographical area specified in the policy

It’s important to read the policy terms carefully to understand all exclusions.

How is It Different From Comprehensive Car Insurance?

Many people confuse own damage insurance with comprehensive car insurance. Let’s clarify the difference:

Comprehensive car insurance is a complete package that includes both third-party liability and own damage cover. It provides broader protection and peace of mind. On the other hand, own damage insurance is only one part of that package. It protects only your car and does not include third-party coverage.

So, if you already have third-party insurance, buying an own damage insurance policy will give you similar protection as a comprehensive motor insurance policy—without buying the full package again.

Why Choose Digit for Own Damage Insurance?

Digit offers some advantages that make it a popular choice for many car owners:

Easy Online Process: You can buy or renew the policy easily without paperwork.
Quick Claims: Claim approvals are fast and the process is simple.
Flexible Add-ons: You can enhance your policy with extra covers like zero depreciation, engine protection, and roadside assistance.
Affordable Premiums: The premium for own damage insurance is generally reasonable and depends on your car model, age, and location.

Who Should Buy Go Digit Own Damage Car Insurance?

Here are a few types of car owners who should seriously consider buying this policy:

New car owners who already have third-party insurance and want full protection.
People living in cities or areas with higher risk of theft or accidents.
Daily commuters who are often on the road and want extra safety.
Car owners who want peace of mind knowing their vehicle is protected from damages, theft, and natural disasters.

If any of the above sounds like you, then own damage car insurance is something you should consider.

How to Buy Digit Own Damage Car Insurance?

Buying the policy is simple. Here’s how you can do it:

Visit the official website or use the app.
Enter your car details like registration number, model, and year.
Choose the type of policy – in this case, own damage cover.
Select add-ons if needed.
Review the premium and make the payment.
Download your policy document instantly.

The process is smooth and doesn’t require any physical paperwork.

Is It Worth Buying Own Damage Insurance Separately?

Yes, buying own damage insurance separately is a smart decision if you already have a valid third-party insurance policy. It allows you to convert your basic legal coverage into a more complete protection plan without purchasing a full comprehensive car insurance policy.

It gives you the flexibility to choose the level of protection based on your budget and car usage. Also, it helps avoid large repair bills or losses due to unforeseen events like theft or floods.

Final Thoughts

Your car is more than just a vehicle — it’s an important part of your daily life. Protecting it from unexpected damage, theft, or accidents is not just wise, it's necessary. While third-party insurance is mandatory, it doesn’t offer any help if your own car gets damaged.

That’s where Go Digit Own Damage Car Insurance becomes useful. It gives you extra protection and peace of mind by covering damages to your own car. Whether you're a new car owner or someone who drives regularly, this policy ensures that you don’t have to bear repair costs or losses on your own.

If you're looking for a flexible, reliable, and affordable way to protect your car, buying a Digit own damage insurance plan is a step in the right direction. And if you're someone who already has third-party coverage, this standalone policy is the perfect way to upgrade your protection without overpaying.

So, yes — own your car with confidence, and let Digit own damage car insurance take care of the rest.