Buy Flow

How is NCB calculated?

You get a No Claim Bonus (a discount of sorts) on your premium depending on the number of year that you have consecutively not made a claim.

Number of years without making a claim

% of NCB on Own Damage premium

1 yr

20 %

2 yrs

25 %

3 yrs

35 %

4 yrs

45 %

5 yrs

50 %

I/We, hereby declare that the statements and particulars given in this Proposal form are complete, true and accurate and I/We agree that the Insurance company will not be liable under the insurance contract if it is found that any of my/our statements or particulars or declarations in this proposal form or other documents are incorrect /misleading /Fraudulent in any respect on any matter to the grant of a cover or submission of claim in future.
I declare that the premium paid under this transaction to Go Digit General Insurance Limited is being paid by me i.e. the proposer/policyholder through a bank account or a Credit/Debit Card or a Prepaid Payment Instrument or a UPI wallet (Wallet), held by me in my name as a primary holder (referred to as “source account”). I confirm that it is not a third party payment made by any other person on my behalf. I understand that in the event of a policy cancellation, the refund of premium as per policy terms and conditions may be credited back to such source account and such electronic transfer will constitute full and final discharge of the Company’s obligation.
I/We declare that the rate of NCB claimed by me/us is correct and that no claim as arisen in the expiring policy period (copy of the policy enclosed). I/We further undertake that if this declaration is found to be incorrect, all benefits under the policy in respect of Section I of the Policy will stand forfeited.
I hereby affirmatively warrant that the Assured named herein/owner of the vehicle insured holds a valid Pollution Under Control (PUC) Certificate on the date of commencement of the Policy and the same has been shown to the agent/authorized person of intermediary. I further undertake to renew and maintain a valid and effective PUC Certificate during the duration of the Policy period. If the PUC certificate is not found valid on the date of loss, I understand that the Company reserves the right to cancel the policy.
I/We, hereby agree that in Case of Break in Insurance, the policy would be issued subject to acceptance of risk after evaluation of the Vehicle Inspection report. Own Damage cover (Section – I) would not commence unless the satisfactory Vehicle Inspection report has been received by us. If the Company does not receive the Vehicle Inspection report or the report is adverse, the Company, at its discretion, will cancel Policy as per the Motor Tariff.
I/We further declare that l/we will notify in writing any change in the details so furnished hereinabove occurring after the proposal has been submitted but before communication of the risk acceptance by the Company.
I/We authorize the Company to share information pertaining to my proposal including medical records for the sole purpose of proposal underwriting and/or claims settlement and with any Governmental and/or Regulatory authority.
By submitting your contact number and email ID, you authorize Go Digit General Insurance (Digit Insurance) to call, send SMS, messages over internet-based messaging application like WhatsApp and email and offer you information and services for the product(s) you have opted for as well as other products/services offered by Digit Insurance. Please note that such authorization will be over and above any registration of the contact number on TRAI’s NDNC registry.

How to use your Standard Package?
Who do we recommend this for?
- If you care about your car a wee bit, you have to choose this one as this covers the damages to your own car along with the damages to someone else's car in an accident.
What is covered?
- Common damages to your own car like accidents, fire, theft, collisions, natural disasters.
- Damage your car causes to someone else's car or any other property.
- Covers third party liability for 3 years and Own damage for 1 year
- Pick-up, Repair & Drop facility with 6 months repair warranty - for repairs done at our network garages
- Cashless repairs at 1400+ network garages across India
What is not covered?
- Depreciation, i.e. wear and tear, to certain parts of the vehicle, depending on the age of the car.

How to use your Standard Package?
Who do we recommend this for?
- If you care about your car a wee bit, you have to choose this one as this covers the damages to your own car.
What is covered?
- Common damages to your own car like accidents, fire, theft, collisions, natural disasters.
- Covers third party liability for 3 years and Own damage for 1 year
- Pick-up, Repair & Drop facility with 6 months repair warranty - for repairs done at our network garages
- Cashless repairs at 1400+ network garages across India
What is not covered?
- Depreciation, i.e. wear and tear, to certain parts of the vehicle, depending on the age of the car.
- Damage your car causes to someone else's car or any other property.

How to use someone's third party insurance if they hit your car?
Who do we recommend this for?
- If you have an old car, say 10 years old and think you can manage damages to your car if something happens OR
- If you are planning to hardly take your car out of the garage or use it for just driving till the nearby park (sometimes).
What is covered?
- This cover is mandatory as per law.
- This is the standard price for the cover, which is set by the Insurance regulator, IRDAI.
- It covers damage your car causes to someone else's car.
- Any personal damages like injury to someone else if your car hits them.
- Upto ₹ 7.5 lakhs for property damage.
What is not covered?
- Any damage to your own car if there is an accident.
- Any injury to the passengers sitting in your car is not covered. Though you can call us up and we'll add that in with a little extra price.

How to use your Standard Package?
Who do we recommend this for?
- If you care about your car a wee bit, you have to choose this one as this covers the damages to your own car along with the damages to someone else's car in an accident.
What is covered?
- Common damages to your own car like accidents, fire, theft, collisions, natural disasters etc
- Damage your car causes to someone else's car or any other property.
- Pick-up, Repair & Drop facility with 6 months repair warranty - for repairs done at our network garages.
- Smart-phone enabled self inspection and audio forms for claim processing.
- Covers third party liability for 3 years and Own damage for 1 year
What is not covered?
- Depreciation, i.e. wear and tear, to certain parts of the vehicle, depending on the age of the car.

Customize IDV
Lite Drive

Standard Package

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What is IDV?

An IDV or Insured Declared Value is the maximum amount that Digit will pay for your car if its stolen or completely damaged.

What is a voluntary deductible?

Increasing this reduces the premium but which also means that each time a loss occurs, you will have to pay this amount as your share, in addition to compulsory deductible.

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Comprehensive

Cost Breakup

Original Cost

Rs. 15,000

NCB Discount (25%)

- Rs. 1,250

PAN Card Discount

-10%

In Circle Benefit Discount

-10%

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Comprehensive

Cost Breakup

Original Cost

Rs. 15,000

NCB Discount (25%)

- Rs. 1,250

PAN Card Discount

-10%

In Circle Benefit Discount

-10%

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Prefer to read? Here you go:

What is covered?

What is not covered?

What is covered?

What is not covered?

Prefer to read? Here you go:

Rs. 3000

Prefer to read? Here you go:

Rs. 3000

What is covered?

What is not covered?

What is covered?

What is not covered?

What it covers?

Rs. 3000

Included

Not Included

If you change plan type, all your details will reset. Are you sure you want to continue?

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Parts Depreciation Cover (Zero Dep/ Bumper to Bumper)

Consumable Cover

Engine and Gear-Box Protection Cover

Return to Invoice Cover

Tyre Protect Cover

Breakdown Assistance (RSA)

Passenger Cover

Parts Depreciation Cover (Zero Dep/ Bumper to Bumper)

Consumable Cover

Engine and Gear-Box Protection Cover

Return to Invoice Cover

Tyre Protect Cover

Breakdown Assistance (RSA)