When you are driving your vehicle on the road, there is always a chance of unforeseen accidents. This can be due to a lot of factors like traffic, irresponsible driving and bad road conditions. Having a car insurance policy will make sure that you get financial coverage in case of an accident or a mishap.

It is even more essential if you are driving your vehicle in the streets of Salem, the fifth largest urban agglomeration in Tamil Nadu.

If you are looking for a car insurance plan, you can opt for Digit Insurance. It provides its policyholders with a range of benefits that sets it apart from other insurance policy providers.

Following are the car insurance add-ons available in Salem:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

These are the benefits that you will get while opting for a car insurance policy with Digit:

• 24-hour Customer Support: Digit’s customer support team is available 24 hours a day and 7 days a week to answer queries related to your vehicle insurance plan. They are available to answer your calls even on national holidays.
• Super-fast Claim Settlement Process: One of the greatest advantages of having a car insurance plan from Digit is that you can raise claims against your policy online. Simply call Digit, and you will receive a link to your registered contact number. Then you have to follow a step-wise guide and click pictures of the damaged portions of your car on your smartphone. After this, the team looking into this matter will contact you with an estimate. You can opt for a Reimbursement or Cashless Repairs at one of Digit’s several network garages. This smartphone-enabled self-inspection process of claim settlement takes minutes to complete. Furthermore, you also do not have to fill up numerous forms and submit loads of documents. Due to the simplicity of the entire process, Digit is able to maintain a high claim settlement ratio when it comes to private vehicles.
• Cashless Repairs at Network Garages: Digit has thousands of network garages all over India. When you select Cashless Repairs while claiming your vehicle insurance policy, you can take your car to one of these garages for repairs. This ensures that there is no extra spending from your end while getting your damaged vehicle repaired. Also, there is a guarantee of 6 months on all repairs done by these network garages.
• Customising Your Vehicle IDV: To maintain transparency with its clients, Digit allows its policyholders to customise the Insured Declared Value or IDV of their vehicle based on their preference and budget. Notably, the IDV influences the sum insured and the premium of your car insurance policy to a significant extent.

Other than providing financial coverage for your vehicle in the event of an accident, a car insurance policy does a lot more:

• Personal Accident Cover: If you are a vehicle owner, having a personal accident cover is quite important. This cover ensures that you have adequate financial coverage in case you suffer from bodily injuries, permanent disabilities or death in case of an accident. Hence, buying a personal accident cover from Digit will ensure financial security for your family in such trying times.

• Choose a Car Insurance Plan of Your Preference: You can purchase three kinds of car insurance plans from Digit. They are:

  • Third-Party Car Insurance – This type of insurance policy provides financial cover for any expense due to damages done by your car to third-party properties, vehicles and individuals. You can manage costs due to third-party liabilities comfortably with this policy.
  • Comprehensive Car Insurance – A comprehensive car insurance plan ensures that you get coverage for both your car and third-party damage in the event of an accident. Moreover, it also provides financial cover for damage to your vehicle due to theft, natural and man-made disasters or fire.
  • Own Damage Car Insurance: This policy covers loss and damage to your own car, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party car insurance policy.
• Customising Your Car Insurance Policy With Add-ons: Digit allows you to customise your comprehensive vehicle insurance policy by opting for add-ons. They come at nominal extra costs and are available only when you purchase a comprehensive car insurance plan from Digit. These add-ons expand the coverage of your vehicle insurance policy and help you out in a number of situations. Let’s take an example for better understanding. Suppose, due to an accident, your vehicle gets damaged beyond repair. Having the return to invoice cover as an add-on to your car insurance policy will help in such a situation. Digit will give you compensation for the amount mentioned in the invoice. You can also consider getting passenger cover as an add-on. It provides financial cover for passengers who are present in your car during an accident. It takes care of the expenses of their medical treatment and provides necessary financial support till they recuperate. In addition, there are multiple other add-ons that you can get from Digit.
• Law Compliance: As per the Motor Vehicles Act, 1988, it is necessary for every vehicle owner to own at least a third-party insurance cover. There is a fine of ₹ 2,000 if the authorities catch you driving without a valid car insurance plan. In case of repeated offences, this penalty will rise to ₹ 4,000. Moreover, in certain cases, you may be punished with 3 months of imprisonment or cancellation of your driving license. Thus, to protect yourself from unnecessary legal hassles and unwanted financial outflow, having a vehicle insurance plan is necessary.