Thrissur is the third largest agglomeration in Kerala. Apart from being the headquarters of the Thrissur district, this city is also the cultural capital of the state. Living in such a densely populated area, having a car insurance plan is crucial for every vehicle owner.

It will provide you financial cover against any expense that you may incur due to an accident while driving on Thrissur’s busy roads. If you are thinking of purchasing a car insurance policy, consider Digit. Their online mode of settling claims makes the entire claim settlement process quick and hassle-free.

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

• 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

Purchasing a car insurance policy from Digit provides you with a lot of benefits. They are:

• Option to Customise Vehicle’s IDV: Your vehicle’s IDV or Insured Declared Value has a big impact on the sum insured and the premium of your insurance policy. Thus, to maintain transparency, Digit gives you the option to customise the IDV according to your preference.
• Super-fast Claim Settlement Process: You can claim your car insurance policy with Digit online by following a few steps. Simply call them in order to get a link to your registered number. Then, you have to follow a step-wise guide to complete the smartphone-enabled self-inspection process. Take pictures of the damaged portions of your vehicle and send them to Digit. The concerned team will get in touch with you with an estimate, and you can decide to opt for either a Reimbursement or Cashless Repairs. The entire process gets over in a matter of minutes, and you don’t need to submit a load of documents or fill out forms. Also, Digit comes with a high claim settlement ratio when it comes to private cars.
• Cashless Repairs at Network Garages: Digit has thousands of network garages all over India. When you choose Cashless Repairs, you can take your vehicle to one of these garages and get the damaged parts repaired. This will make sure that there is no extra expenditure from your end. Moreover, you also get 6 months of warranty on any repairs done from these network garages.
• 24 Hour Customer Support: In case you have any queries regarding your car insurance policy, Digit’s customer support representatives are always happy to help. They are available on call 24/7 and will happily help you out even on national holidays.

Apart from providing financial coverage for your damaged vehicle in the event of an accident, a Digit car insurance policy can save you from many unforeseen hassles:

• Getting Rid of Legal Penalties: The Motor Vehicles Act, 1988 makes it mandatory for every vehicle owner to have at least a third-party motor insurance cover. If you are caught driving your vehicle without a car insurance policy, there will be a fine of ₹ 2,000. For repeated offences, this fine will go up to ₹ 4,000. Moreover, in certain cases, the authorities may also punish you with 3 months of imprisonment or get your driver’s license cancelled.
• Personal Accident Cover: When an accident occurs, injuries, permanent disabilities, and death are common. Thus, every car owner must have a personal accident cover. It will make sure that you have enough financial cover for your medical treatment in the event of an accident. With this cover, you can financially secure your family.
• Opt for a Car Insurance Policy That Suits Your Needs: There are three types of car insurance policies that you can opt for from Digit:
  • Comprehensive Car Insurance: This type of insurance policy provides financial cover for damages to both your vehicle and third parties in the event of an accident or mishap. It also provides financial coverage for damages due to fire and natural and man-made disasters.
  • Third-Party Car Insurance: A third-party insurance plan financially covers damages to third-party vehicles, individuals, and properties caused by your car.
  • 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.
• Add-ons To Customise Your Car Insurance Policy: When you buy a comprehensive car insurance policy, you get the option to customise its coverage with the help of various add-ons. They come at nominal additional expenses but help you out in a variety of situations. For example, you can choose roadside assistance cover as an add-on. It will help you get coverage for expenses to fix your car in case you are stranded on the road due to a problem in your vehicle. This add-on also covers charges for towing your car and availing taxi service to help you reach your destination. You can also opt for an engine protection cover. Repairing or replacing the engine and its components can be quite expensive. With this add-on, you can get financial assistance for expenses that you can incur due to any damages to the engine and the engine parts. There are a lot of other options that you can consider while choosing add-ons. They include – passenger cover, tyre protection cover, zero depreciation cover, consumable cover, and return to invoice cover. So, with these add-ons, you can avail of extended coverage from Digit at a slight extra cost.