how to get digit car insurance

Introduction

Features and Key Offerings

Digit Insurance is primarily operated through digital channels. Customers can buy, renew, and claim policies online, which makes the procedure hassle-free. A bouquet of insurance products is offered that consists of:

• Motor Insurance: This includes two-wheeler and four-wheeler insurance coverage.
• Health Insurance: It provides customers with the best health insurance coverage plans.
• Travel Insurance: It keeps a traveler safe from some unexpected incidents that may befall during trips.
• Home Insurance: Any damage caused to your home or belongings is covered.
• Commercial Insurance: Businesses are protected under their many commercial insurance products.

What Sets Digit Insurance Apart?

• Easy policies: Emphasis of Digit was on developing simple and lucid insurance products with easy to understand terms and conditions.
• Paperless processes: Everything insurance from purchase to claiming can be done online. There are no hassles of physical paper works.
• Fast Claims: Digit has been popular due to its fast and hassle-free process of claim, where often even minor claims can be self-inspected through smartphones.

Popularity and Growth

The customer-centric and tech-driven approach of Digit Insurance has helped the company gain wide popularity. Digital accessibility, competitive price, and good customer service were some of the many reasons that made the company a much-preferred choice for Indian customers, more so among the young and the tech-savvy segments.

The Importance of Car Insurance in Today’s World

Although traveling without owning a car provides ease of movement and convenience compared to the pace of today’s world, it is coupled with risks and responsibilities. In such light, car insurance assumes a very important place for car owners and other entities using the roads. Here’s why car insurance is so essential in the modern times:

1. Financial Protection

One of the major reasons car insurance is so essential is that it provides financial protection against accidents or damage to the vehicle. Any form of repair work or replacement of a car can be pretty expensive, and such an accident may lead to huge expenses. Car insurance covers these expenses so that one does not have to bear the pocket expenses for damages, either to one’s own vehicle or to the other vehicles or property involved in the mishap.

2. Legal Requirement

Car insurance is obligatory in almost every country, including India. If you drive without valid insurance, you may be fined, penalized, or your license may even be suspended. The legal mandate ensures that all drivers on the road are at least financially responsible to compensate for damage caused to others, thereby making everyone safe.

3. Third Party Liability Coverage

Car insurance usually provides third-party liability insurance to protect one against the claims that arise from other people due to injuries or damages caused by your vehicle. In simple terms, if you cause an accident, then your insurance policy will pay the other party for medical bills, vehicle repair, or property damage. Had it not been there, such expenses would fall squarely on your pocket and might be huge, hence putting severe financial strain on you.

4. Natural Disaster and Theft Protection

Comprehensive auto insurance shields the owner from all types of perils other than accidents, such as floods, earthquakes, storms, theft, and vandalism. With such mishaps happening too frequently in this very unpredictable world, more often than not, having insurance will give one peace of mind that his vehicle is protected against whatever may happen.

5. Medical Expense Coverage

In the event of an accident, it provides for the driver’s and passengers’ medical expenses. This could include policies for paying hospital bills, costs for rehabilitation, among other medical-related expenses under the covered policy. The cover is important so as to seek timely and proper treatment for your ailments without worrying about financial implications.

6. Peace of Mind

Perhaps the most intangible yet valuable gain from your car insurance is the peace of mind it would bring to you. You have complete freedom to drive your vehicle and deal with a variety of risks. It can be minor fender benders or major accidents; car insurance will give you the necessary back-up to handle the after-effects without overwhelming stress.

7. No-Claim Bonus Benefits

Most motor insurance policies have the benefit of a No-Claim Bonus in case a claim is not raised during the period of the policy. One can use this bonus for reducing the premium in the subsequent year. It, hence, inculcates driving habits that are safe and responsible. In the long term, NCB brings appreciable savings on insurance costs.

Step 1: Reach the Digit Insurance website or download their app.

How to Reach Their Official Website or Download Their App:

First, log in to www.godigit.com, which is the Digit Insurance official website. This will be a single stop for all your car insurance needs. If you are always on the move and prefer using a smartphone, you might want to download the Digit Insurance app from the Google Play Store for Android devices or Apple App Store for iOS devices. It has made these apps light and easy to use so that you could do everything on-the-go.

How Easy Is the Platform to Use?

The Digit platform is user-friendly. On the home page, there are clear navigation tabs. This simplicity carries over onto the app, having large icons and easy-to-follow instructions. Whether you’re a tech head or not, this user interface will take you through seamlessly on how to buy. From finding car insurance options to raising a claim, everything is smoothened out for ease.

Step 2: Tap on ‘Car Insurance’

Scroll down the website or app to car insurance options.

Once on the website or app, the ‘Car Insurance’ option is easily located. The button or link shows on the first page itself and, of course, is on the homepage. If you are renewing an existing policy, select the “Renew Car Insurance” option. For first-time buyers, click on “Buy Car Insurance.” This would lead the customer through similar steps, but with slight modifications for either new or existing customers.

Difference Between Buying a New Policy and Renewing an Existing One:

• New Policy: In buying a new policy, you will have to fill in the details of your car, select the coverage you want, and choose add-ons. This procedure takes up a little more time because you are setting everything up from scratch.
• Renewing Policy: In case you are renewing an existing policy, most of your details would already be available in the system, and thus the renewal process might get quicker. You could either retain the current coverage or change your policy by upgrading to better coverage or adding new features.

Step 3: Furnish Your Car Details

Details Required like Car Registration, Make, Model, etc.:

You will now be requested to fill in some details regarding your vehicle. They are as follows.
Car Registration Number: The auto-generated unique registration number for your vehicle, usually available on your registration certificate.

• Make and Model: In simple words, these refer to the manufacturer of the vehicle, such as Honda, Maruti, or Hyundai, and the model of the car, like Swift or Creta.
• Year of manufacture: This indicates the date of manufacturing of your car and is, therefore, useful in estimating the depreciation on your car and the premium payable on insurance.
• Fuel type: Whether the car runs on petrol, diesel, CNG, or is electric, this information helps in assessing insurance risks.

The information makes it possible for Digit to fully assess your vehicle and therefore calculate the appropriate premium that the insurance cover should cost you. In renewing, the information above is partly prefilled, hence even more straightforward.

As Per Choices Available for New Policyholders as well as Renewals

These details are therefore compulsory to be input by new policyholders, as they assist Digit in deciding the base premium and issuing an appropriate insurance policy. In the event of renewals, the system could have your car’s details in their database, hence making the process even faster where all you will be required to do is confirm the details at their end .

Step 4: Choose Your Insurance Policy

Overview of Various Coverage Options: Third-Party, Own Damage and Comprehensive:

Digit offers three key coverage options for :

Third Party Liability: This is the basic cover that is offered in adherence to the law. It infers damages to third-party property or injuries to others in an accident in which you are at fault. However, it doesn’t include damages to your vehicle.

Own Damage: It is the product that will indemnify your financial loss in the case of accidents, theft, fire, and natural disasters. It only indemnifies harm to your vehicle and does not include third-party injuries.

Comprehensive Insurance— This includes both third-party liability and own damage protection. It would generally look after you in almost every situation: accident, theft, natural calamities, and third-party liabilities.
Explanation of Add-Ons Like Zero Depreciation, Roadside Assistance, etc.:

Digit allows you to further enhance your insurance plan by selecting add-ons that provide additional benefits:

Zero Depreciation: While processing your claim, usually the insurance company considers depreciation on your car’s parts. Here, with this add-on, you can have a full claim without depreciating your car’s parts, and you will not need to bear any expenses from your pocket for the wear and tear of parts.
Roadside Assistance: This add-on gets you emergency aid in case your car breaks down. Whether it be a tow, flat tire, or dead battery, someone will always be available at your beck and call to save you from being stranded on the road.
Engine Protection: Any standard car insurance policy does not usually include coverage for damage caused by floods or oil leakage. With this add-on, you are protected against these instances, which can be very expensive to repair.
Other Add-Ons: You can also opt for personal accident cover, return to invoice, which will pay you back the full amount of the car’s invoice value if it gets completely lost, and consumables cover, which covers non-reusable consumable parts such as oil, nuts, and bolts.

Step 5: Get a Quote

Factors That Affect the Insurance Premium:

Several factors contribute towards the insurance premium, including:

Age of the Car: Older the car, higher would be the premium since old cars are more prone to breakdowns and repairs.

Place: Where you stay also impacts your premium. Cars in metro cities may have higher premiums due to increased risks of accidents or theft.

Past Claim Records: If you have made claims earlier, chances are that your premium might be on the higher slide. On the contrary, in case you had an NCB, you could get a discount.

Add-Ons: Every add-on would increase the premium outgo from your pocket, but also give additional protection .

Necessity to check the quote and arrive at balance between coverage and cost adequately:

After receiving the quote, carefully evaluate the balance between premium cost and premiums returned through the cover. Avoid going in for the cheapest premium as you never know when you may need additional coverage, especially if you have gone in for a very basic policy, like third party insurance. See whether the benefits offered justify the premium that will be levied.

Step 6: Pay Premium

Options for Premium Payment

Digit has excellent easy payment options: either through credit/debit card, Visa, MasterCard, or any other widely accepted card. You may directly pay from your bank account with the help of the safe and secure net banking facility from Digit. Another speedy and very easy way to pay is through UPI, that is, Unified Payment Interface, which is used through your phone. Few wallets might also be accepted for payment.

Safety and Convenience of the Payment Process:

Digit uses the best-in-class security measures, including encryption technologies which protect your financial data. The payment process is simplified so that you can complete the payment within five clicks. Post payment, you will instantly receive an acknowledgement. It saves time involved waiting for all forms of acknowledgements.

Step 7: Policy Document will be Issued

Instant Issuance of the Document:

Your insurance policy is issued instantly once your payment is successful. An email is sent to you with the policy document attached, which you can download or print when needed. This does away with the necessity of waiting out for hardcopies through the mail.

Benefits of Digital Copy in Case You Need to Access it Fast:

A digital copy ensures that you can access your policy from anywhere: your phone, laptop, or tablet. This is particularly important when you need to provide proof of insurance or go over the specifics of your policy real fast. Additionally, keeping your policy digitally will avoid the loss of important documents, and sharing will become quite easy with anyone as the need arises, for example, during claims or roadside assistance.

Benefits of Digit Car Insurance

Quick and Easy Online Car Insurance Process

The digital age has definitely contributed to speeding up the buying and maintaining of car insurance. One does not need to be concerned with filling loads of papers or standing in a long line. See how fast and easy online car insurance helps the modern driver in the following points:

1. Policy Buying in a Moment

One can easily buy car insurance online in a few clicks. All one has to do is fill in the details of your car, select the coverage you want, and pay for it. You are done. Your policy will be issued right away with the documentation sent to your email. No painful calls or visits are required at all.

2. Paperless Transactions

The entire process of purchase, renewal, and claim for car insurance is paperless. It’s faster, not only that it reduces the errors associated with manual paperwork. Right from document submission to policy renewal, everything can be done digitally, thereby saving time and effort.

3. Quick Comparison of Plans

Online platforms have made it easy to compare different insurance plans. You can compare coverage options, premiums, and benefits side by side for different policies. This will enable you to make a decision quickly and be guaranteed of settling on the best policy that suits your needs without necessarily consulting several agents.

4. Instant Renewals

You can renew your car insurance with the same ease. You only need to go online and click a few buttons to renew it, without pursuing any lengthy procedure. In fact, many insurance companies send reminders with links for renewal, making it even more hassle-free.

5. Efficient Claim Settlement

The claim settlement, too, is online. Now, insurers give you quick and efficient claims through digital self-inspection processes where you can upload photographs of damages, and an approval comes in hours. Some firms even offer cashless repairs at network garages, minimizing the hassle for the policyholder.

6. 24/7 Access

The ease which online insurance services extend to one cannot be matched. You can view your policy, edit, renew, or raise claims at any time of the day while you are sitting comfortably at home. This round-the-clock availability ensures that you never get left high and dry when you need support the most.

Affordable Premiums and Customizable Car Insurance Plans

Today’s insurance policies are no longer a protection issue but one of getting the right cover at the price that suits your pocket. The need to develop flexibility and affordability has been felt by insurance companies so much so that what were expensive premiums have turned affordable, and customized plans stand as a new trend. Here’s how these features benefit the policyholders:

1. Affordable Premiums

Car insurance premiums have become competitive due to digital platforms and increasing market competition. Today, insurers will provide affordable premiums by leveraging technology to reduce operational expenses. Here is how affordable premiums work:

Usage-Based Plans: Some insurance companies offer pay-as-you-drive plans wherein premiums are charged on the basis of miles driven. This significantly brings down the cost for such people who drive less frequently.

Telematics and Discounts: Most insurance companies aresubserved by telematics devices, which track driver performance. Good drivers thereby enjoy low premiums for their safe driving habits, driving good behavior, and costing less.

No-Claim Bonus: In case no claim is raised by a policyholder during the term of the policy, he shall be rewarded with a no-claim bonus. At the time of renewal, this bonus may be redeemed to have reduced premiums. This will ensure you a decent way of making your insurance cheaper over time.

2. Customizable Plans

Those days of cookie-cutter car insurance policies are truly a thing of the past. Today’s insurers offer highly customizable products that allow policyholders to create plans in accordance with their needs. This is how customizable plans work:

Flexible Coverage Options: You can select from basic third-party liability coverage to comprehensive coverage, including theft, fire, and natural disasters, depending on your preference and budget.

Add-Ons and Riders: You can extend the cover of your base policy with add-ons like zero depreciation, roadside assistance, etc., and engines. Such optional riders let you tailor-make your policy without having to pay for coverage that you do not need.

Deductibles and Premiums: You can adjust the deductibles—the amount you pay out of pocket before your insurance kicks in—with tailor-made plans to control premiums. Generally, the higher the deductible, the lower usually will be the premium, which allows one to balance between the risk and cost with respect to your financial condition.

3. Personalized Premium Calculation

Advanced algorithms, data analysis, insure broad Personalized premiums: This includes drivers’ records, location, vehicle use, and other lifestyle preferences. It ensures that you are only paying for what you need and nothing more.

4. Bundling Options

Many insurers give a discount if you are buying several insurance policies together—auto and home, for instance. Such bundling assures great savings, and all of your insurance needs will be kept under one roof.

Hassle-Free Claims Process in Vehicle Insurance

Claims are an intrinsic part of any motor insurance policy. In the digital era, more concentration goes toward making it hassle-free. The hassle-free claim process is the pitch given by most insurers to the customers, ensuring their customers experience the least hassle and face quick resolutions during times of need. Here’s how this process benefits policyholders:

1. Fast and Easy Digital Claims

The insurers have also adopted technology to smoothen the process of claiming. Now, most of the companies are available online, websites, and even mobile applications for an online claim option. It basically involves a simple form to fill with photographs and uploading documents of realization. Here’s what makes it hassle-free:

Self-Inspection: Most insurance companies have started to allow customers to inspect minor damage to their vehicles using their smartphones. You can simply take pictures or make videos of the damage and then upload them through the app. There is no need for any physical inspection, which makes the claim process much faster.

Paperless Documentation: Digitally deal with your claim from its submission to its approval. No more physical paperwork or waiting for forms to process.

2. Faster Claim Approvals

The days of claim approval taking weeks are definitely behind us. Today, insurers are assisted by automation and digital tools that help them process claims at a much faster rate. Many companies now offer:

Instant Claim Settlement: In the case of minor claims or pre-defined conditions, the claim is settled there and then by the insurer without going through any tedious evaluation. This comes in handy when minor repairs or reimbursements are involved.

24/7 Support: Insurers almost offer all time support on their customer service helplines, apps, and chatbots to ensure that the support you need is at your fingertips always. This full-time availability indeed accelerates the entire process and brings about timely help when an emergency strikes.

3. Cashless Claim Services

Most of the insurance companies have tie-ups with a network of garages providing cashless repairs. The scheme involves the insurer directly settling the repair bills with the garage, and you don’t have to pay a single rupee up front. That lessens your financial burden at times of repairing and eliminates complicated reimbursement procedures.

4. Perfect Transparency and Communication

A hassle-free claim process demands clarity of communication between the insurer and the holder. Today, insurers provide

Real-Time Updates: Once you file a claim, you will be updated with all the proceedings online or via the insurer’s app. You are going to be kept informed in real-time about every step that is taken outside of your circle. This keeps you far from uncertainty and stress.

Dedicated Claim Support: Most insurance companies, once you have a claim, will assign a dedicated claims representative who will take charge of your case and help you personally, thus doing it fast.

5. Customer-Centric Approach:

Today’s insurers have embraced customer experiences in the process of making claims, right from simple procedures to quick resolution. The focus is always on causing minimal disruption to your life. Other customer-centric offerings in flexible options are:

Options Flexibility: Different insurers may give you choices on how your claim is processed—for example, whether you go cashless for repair or simply file for reimbursement. This flexibility ensures that you get to pick the solution most conducive to your situation.

No-Claim Bonus Protection: A few insurance companies offer protection for no-claim bonuses as an add-on, which works to not cancel the benefits in case of a filed claim. This helps policyholders who want to continue enjoying their premium discounts.

Conclusion

Getting Digit car insurance is a very simple and hassle-free process thanks to the user-friendly digital platform. Be it visiting the website or app, or getting your policy document in your hand, every step is made amazingly swift and hassle-free. Here’s a quick recap of the key points:

Easy Access: Be it the website or the mobile app, Digit provides a smooth interface that makes the purchase or renewal of car insurance hassle-free and fast. Yes, the platform is so user-friendly that you’ll have no difficulty sliding through options.

Flexible Plans: With Digit, design motor insurance plans that are tailor-made for you and help cover any contingencies. Select vehicle protection matching periodic and driving conditions for coverage amounts between different cover options and add-ons. This will help you get ample coverage at a low cost without purchasing features you will not need.

Transparent Quote: In the event of a quote, the process of receiving one is absolutely clear and transparent. You will see premium amounts on all available options and packages to make a fair and balanced decision, keeping in mind cost and coverage.

Safe Payment: The payment procedure is secure, again with multiple options like credit or debit cards, net banking, and UPI. This ensures that your purchase is done at pace and in a secure environment.

Policy issuance on Insta: Pay and receive your policy document instantly after the processing of your payment. This will be a digital document—easily available at all times by you—with no paper to retain.