What Makes Go Digit’s Own Damage Policy Unique?

What Makes Go Digit’s Own Damage Policy Unique?

Car insurance is an important part of owning a vehicle. It protects you from unexpected expenses and gives you peace of mind. In India, it is mandatory to have third-party insurance, but that only covers damages to other people or vehicles. It does not cover your own car.

That’s where own damage insurance comes in. It protects your car from accidents, theft, fire, natural disasters, and more. One insurer that offers a simple and smart own damage plan is Go Digit. But what makes Digit’s Own Damage Car Insurance stand out from the rest?

In this blog, we’ll explain everything you need to know about car own damage insurance, and what makes Go Digit’s offering unique.

What is Own Damage Insurance?

Own damage insurance is a type of car insurance that covers the cost of damages to your own car. This includes:

• Accidents
• Fire and explosions
• Theft
• Natural disasters like floods or earthquakes
• Vandalism and riots
• Damage during transit (while being transported)

It does not cover any third-party liability. So, to be fully insured, you must have both a third-party policy and own damage insurance.

This is why digit own damage car insurance is often purchased as an addition to a basic third-party plan.

Why Do You Need Car Own Damage Insurance?

Here are a few reasons why you should consider getting own damage coverage:

• Repairs are costly: Even small repairs like fixing dents or replacing broken parts can be expensive.
• Theft is unpredictable: If your car is stolen, the financial loss can be huge.
• Natural disasters happen: Floods, storms, and other events can damage your vehicle unexpectedly.
• Accidents are common: Whether you drive often or rarely, accidents can happen anytime.

With car own damage insurance, you can be prepared for these situations and avoid heavy out-of-pocket expenses.

What Makes Digit Own Damage Car Insurance Unique?

Let’s take a closer look at the features and benefits that make Go Digit’s Own Damage Policy a smart choice.

1. Fully Digital Process

One of the main highlights of digit own damage car insurance is how easy it is to buy. The entire process—from getting a quote to receiving the policy—is online and paperless.

You don’t need to visit any office or submit physical documents. You can get insured in just a few minutes from the comfort of your home.

2. Quick Claims with Self-Inspection

Filing a claim can be stressful, but Go Digit makes it simple. With their self-inspection process, you just need to take photos or a video of the damaged car using your smartphone and upload it through their platform.

This helps speed up the claim approval process. Many customers have reported that their claims were settled within a few days.

3. Custom IDV (Insured Declared Value)

When buying car own damage insurance, the IDV is the maximum amount you will get if your car is stolen or completely damaged. Go Digit lets you customize your IDV, giving you the flexibility to set it based on your car’s condition and your budget.

A higher IDV gives better protection but may cost more. A lower IDV can reduce your premium. You can choose what works best for you.

4. Cashless Repairs at Trusted Garages

Go Digit has a large network of cashless garages across India. If your car is damaged, you can take it to any of these garages for repair without paying anything upfront. The company settles the bill directly with the garage.

This saves time and money and ensures your car is repaired by professionals.

5. Useful Add-On Covers

Go Digit offers several add-on options to enhance your own damage policy. Some of the popular add-ons include:

• Zero Depreciation Cover: Get full claim amount without deduction for wear and tear.
• Engine and Gearbox Protection: Covers internal damage to engine or gearbox.
• Return to Invoice: Get full invoice value of your car in case of total loss or theft.
• Tyre Protect: Covers damage to tyres not caused by accidents.
• Roadside Assistance: Help for flat tyres, battery issues, or towing needs.

These add-ons provide extra protection and can be selected based on your needs.

6. 24/7 Customer Support

Problems don’t come with a warning. That’s why Go Digit provides round-the-clock customer service. Whether you have questions about your policy, or you need help filing a claim, their support team is available at all times.

This quick support makes the whole experience smoother and more reliable.

Who Should Buy Digit’s Own Damage Policy?

Digit’s Own Damage Car Insurance is suitable for:

• New car owners who want full protection from the start.
• Car owners with expensive vehicles who want to avoid high repair costs.
• People who live in cities where the chances of theft or damage are higher.
• Drivers in flood-prone or accident-prone areas who face greater risks.

Even if your car is a few years old, having own damage cover helps reduce financial stress during emergencies.

How to Buy Digit Own Damage Car Insurance

Buying digit own damage car insurance is easy and takes just a few steps:

1. Visit the insurer’s website or app.
2. Enter your car’s details (registration number, model, make, etc.).
3. Choose your IDV and add-ons.
4. Review the premium and make the payment online.
5. Receive your policy instantly via email or download it.

Make sure you already have a valid third-party insurance policy. You cannot buy own damage insurance without it.

Key Points to Remember

• Own damage insurance is not a replacement for third-party insurance. It is an add-on for your own protection.
• Go Digit’s policy offers flexibility, speed, and wide coverage.
• Always review your policy details and understand what’s included and excluded.
• Add-ons can increase your premium slightly but offer a lot more value.

Final Thoughts

Having only third-party insurance may keep you legally covered, but it doesn’t protect your own car. With Digit Own Damage Car Insurance, you get the protection your vehicle deserves.

From accidents and theft to natural disasters and transit damage, this policy helps you stay safe from sudden repair bills. The digital process, fast claims, customizable IDV, and add-ons make Go Digit a reliable and user-friendly choice for car owners.

If you're looking for a simple, affordable, and smart way to protect your car, Go Digit’s Own Damage policy is definitely worth considering.