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Digit General Insurance Company: Overview & History

Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) is a private general insurance company offering non-life insurance policies in India. It started its operations in the year 2016 and operates completely on a digital platform. The company offers a range of general insurance solutions and products for individuals and companies. The company is backed by Fairfax Group which has its headquarters in Canada and operates in more than 30 countries around the world. Digit General Insurance has a range of insurance policies on offer like Health Insurance, Travel Insurance, Car Insurance, Two-wheeler/Bike Insurance, Mobile Insurance, Jewellery Insurance, Commercial Vehicle Insurance, and Home Protection Insurance. Anyone can instantly buy the required insurance policies on offer from Digit General Insurance Limited by simply going to the official website of the company.

Digit General Insurance Company: Current Status

Digit General Insurance Company has made rapid progress since its start in the year 2016. Today it has given insurance solution to over 30 lakh Indians.

Go Digit has partnered with Zest money which is consumer lending fintech company in India.

Why to Buy Digit Insurance?

Reasons to Choose Digit General Insurance Company

Easy and convenient claim process

Digit General Insurance Company has a very easy and convenient claim process. The customers can register their claim by calling their phone number. The rest of the claim process is also digital and there is no hassle of paper work. The claims are also processed quickly as everything is done on a digital platform.

Existing satisfied customers

Digit General Insurance company has over 30 lakh customers in a short span of 3 years. The review rating of the Go Digit on Facebook is also 4.5 giving evidence of their good work.

Policies drafted in simple language.

 

Digit General Insurance Company has ensured that everyone can understand the policy wording and hence have not used jargons in their policy wordings. The company claims even a very young person can understand their policy wordings.

What are the Eligibility Criteria to Avail Driving Licence in India?

The eligibility criteria for a person to avail driving licence in India vary based on the type of the vehicle:

For the one who has motorcycles with gear – The applicant must be at least 18 years of age. He or she should have good knowledge of traffic rules and regulations. Moreover, the applicant must have a valid age proof and address proof.

For the one who has motorcycles without gear and with a capacity of up to 50CC – An applicant with minimum 16 years of age is eligible for this license and should have the consent of his guardian or parents. He or she should have considerable amount of knowledge of the various traffic rules and regulations and should possess a valid age proof and address document.

For Heavy commercial vehicles – In this case, the applicant should be at least 8th Std pass and must be above 18 years of age (In some states, the minimum age for this vehicle type is 20 years). He or she must have been trained from a government training school or one that is affiliated with the state government.

Digit Car Insurance Benefits

Quick Online Quotes

The insurance quotes for your particular insurance type requirement are generated instantly on their online portal. All the user needs to do is login to their official website and put in the necessary details of the requirement. The user will get to see the insurance quote within seconds of input of the required information.

Cheap Insurance Premium

Go digit provides insurance solution to their customers at a very affordable premium. Thus the customers get comprehensive coverage at a nominal price when they purchase from Go Digit General Insurance Company.

Cashless claims facility

Go Digit General Insurance company gives a cashless facility to its customers. The company has tied up with major hospitals and motor garages across the country to provide their customers with cashless claims facility ensuring convenience and ease of claims process for the claimants.

Simple and Easy Claim Settlement

Go Digit general insurance company provides simple and easy claim settlement for each of their insurance products when a claim is registered by the policyholder. Go digit makes sure that each of their customers don’t have a hassle when it comes to claims and that each claim case gets resolved in a timely manner.

Insurance in simple terms

One of the basic aims of the Go Digit General Insurance Limited is that the whole process of insurance is portrayed to the customer in a very simple manner. The policies are drafted in such a way that even a young kid can understand what on offer. The company does not believe in using jargons terms which makes it difficult to understand the insurance product on offer by a common person.

Cab vouchers

The company claims to repair the vehicle within 3 days after you register your claim. If the company is not able to do that then the policyholder will be given cab vouchers to compensate for daily travel.

On the road Assistance

The company offers roadside assistance if your vehicle breaks down during your travel by road. The company offers breakdown assistance, on the spot minor repairs, medical coordination in case of an accident, fuel assistance, etc.

Online Renewal

The company has adopted a modern approach to selling and renewing insurance policies. This gives a direct advantage to the user as they can quickly renew or buy insurance from the convenience of their home. Go digit platform offers secure payment gateways ensuring your bank details are secured and the renewal of the policies can be done with confidence by the policyholders.

24/7 Customer Service

Go Digit Insurance Company offers 24/7 customer service assistance throughout the year to help their customers with all the queries relating to policy purchase and renewal, claim process and registration, premium payment, etc.

 Digit General Insurance Company: All Products & Services

List of different products

Digit General Insurance Company: Most Popular Plans

  1. DigitCar Insurance

Go Digit General Insurance Company offers complete car insurance solutions for private cars. You can avail two types of cover in car insurance. One is liability only insurance and other is Standard Package (Comprehensive Insurance).

Liability Only Motor Insurance Policy 

Go Digit liability only car insurance helps you cover the liability of the third party of bodily injury, death and property damage if your vehicle gets into an accident. It does not cover your own vehicle

Standard Package (Comprehensive Car Insurance)

Go Digit car insurance offers complete coverage to your private car which includes damage/loss to own vehicle as well as third party loss and damage. You can customise and enhance your comprehensive cover by adding add-ons. Go Digit also has a wide network of garages (across the country where you get avail cashless claim facility.

 

  1. Digit Bike Insurance

Go Digit General Insurance Company offers complete coverage for your two-wheeler to ensure you are financially covered for the loss/damages that may happen to your two-wheeler. Go Digit offers two types of cover one which is liability only cover which covers third party liability only.

The other type of bike insurance cover is Standard Package (Comprehensive Cover) which also covers for own bike damages as well it covers the liability of the third party for injuries and property damage. You can further enhance the coverage by attaching optional add-ons to the base policy.

 

  1. Digit Health Insurance

Go Digit General Insurance provides comprehensive health insurance plans for a single individual or family. The health insurance policies from Go Digit comes with high sum coverage and that too at an affordable cost. These mediclaim policies can be bought or renewed online from the official website of Go Digit General Insurance Company.

 

  1. Digit Travel Insurance

If you are planning a family vacation, single business trip, or pursuing a high education degree abroad then Go Digit offers you insurance solution for your varied travel plans. Go Digit Travel Insurance covers on-travel risks, from medical emergencies, to lost baggage or stolen passport, etc. Go Digit caters to different needs and requirements of different type of travelers.

 

  1. Digit Home Protection Insurance

Home is the most important place for any person. It provides us with a basic need of shelter and hence it needs to be protected with a reliable insurance policy to mitigate the effects of various dangers. Go Digit offers a wide range of coverage against loss/damage of home contents from man-made or natural reasons. The insurance company offers affordable quotes for your home insurance requirements.

 

  1. Digit Mobile Insurance

The mobile phone has become an integral part of our life and it keeps us connected with the outside world. The smartphones cost has risen through the roof and any damage or loss to the mobile phone can result in huge financial loss and distress. Go digit Mobile Insurance provides much needed financial protection to your smartphone against damage to the screen, liquid damage, accidental damage, theft, etc.

 

  1. Digit Commercial Vehicle Insurance

Go Digit General Insurance Company offers commercial vehicle solutions for vehicles operating in different industries in India. The commercial vehicle policy is customized to protect the businesses from incurring losses due to accident or damage to their vehicles. Go digit vehicle insurance can be purchased from the official website of Digit Insurance.

 

  1. Jewellery Insurance
  2.      Go Digit offers to cover your jewellery against theft, burglary and damage. The most unique  benefit is that the insurance comes with worldwide coverage and not only limited to boundaries of India.

Digit Car Insurance Add-ons

Break down assistance cover

The break-down add-on assistance cover gives 24/7 roadside assistance cover to the policyholder. The cover is not only valid in the city limits but also 500 kilometers radius from the city. It covers scenarios such as flat tyre, drained battery, accommodation, legal assistance, towing facility, etc.

Tyre protect cover

Many people are of the misconception that tyre burst or damage is covered in a comprehensive insurance policy. This is not the case unless the tire damage is a direct result of an accident. Tyre protect add-on covers tyre burst, cuts or bulges which makes tyre not road worthy and dangerous.

Zero depreciation add-on cover

During your car insurance claims, most of the times the claims are reduced due to the depreciation of the vehicle and its parts. You must pay for the depreciated costs, even though you have valid insurance. Opting for a zero-depreciation cover would ensure that claims are on the entire amount and that you do not end up paying money from your pockets.

 

Return to invoice add-on cover

If the car is totally damaged or stolen then the owner will get the amount equal to IDV of the vehicle. IDV takes into consideration depreciation and does not include tax and duties paid on the vehicle. With a return to invoice add-on cover, the owner will get the full price of the vehicle including the road tax and other duties paid while purchasing the vehicle.

Engine and gearbox protection add-on

The engine is the heart of the vehicle and also the most expensive part of the vehicle. It is although not included in the comprehensive insurance coverage of the vehicle unless the damage to the engine happens as a direct consequence of the accident. With Engine and gearbox protection add-on, the engine and gearbox are protected from any damage.

Digit Bike Insurance Add-ons

Parts Depreciation Cover (Zero Dep/ Bumper to Bumper)

The value of your bike decreases when it ages and thus depreciation factor is included during the claim process. With parts depreciation, add-on cover the insurance company will give out the full value of the part and owner won’t have to spend from his/her pocket.

Consumable Cover 

Did you know the cost of replacing parts like engine oil, nuts, screws, bolts, grease, etc. are not covered as part of a comprehensive insurance policy? With the consumable cover add-on, the same will be included and covered under the policy.

Engine and Gear-Box Protection Cover

Any damage to your bike engine is not covered even under a comprehensive two wheeler insurance policy. Hence if the damage is due to water ingression, clogging, or leakage of lubricating oil to your e Engine or Gear Box, the Engine protector add-on will cover for its loss.

Return to Invoice Cover

Return to invoice add-on will pay out the full value of the vehicle and will not include any depreciation factor. Normally in case of a total loss, the insurance amount is an equal or little bit less than IDV and also does not include any road tax or other cost paid when purchasing the bike. The return to invoice add-on will give you full invoice price of the bike ensuring you do not lose any money making it easy to replace your new bike.

Breakdown Assistance (RSA)

 

Break down assistance add-on cover eradicates the inconvenience if your bike is broken down within the city or around 500 kilometers from the city limits. The assistance is available for your 24/7 throughout the duration of the coverage.

Digit Insurance Policy Renewal

The renewal of policy purchased from Digit Insurance is as easy and simple as purchasing the policy from them online. To renew an insurance policy the policyholder will need to login to the portal of the Digit Insurance and by entering you registered mobile number and subsequently enter the OTP (one-time password). You will be logged in to your account and then follow the process to renew the insurance policy online. The payment for the renewal can be done online itself through secure payment gateway. Once the renewal process is complete the insurance policy the soft copy of the insurance policy will be generated which the customer can be download for records.

Digit General Insurance Company Policy Online Renewal

  1. How to renew Digit two-wheeler/bike insurance online?

 

Digit two-wheeler/bike insurance can be renewed in few easy steps

 

·         Go to the official website of Go Digit Insurance and select the “Renew Digit Policy” tab on top of the website.

·         After clicking on it you will be directed to the renewal page where you first need to put your mobile number and OTP password to access your account.

·         Once logged in check your existing bike insurance policy and renewal option policy quote.

·         If you are happy with the renewal quote then click on purchase and you will be directed to secure payment gateway.

·         After making the payment Digit will send you the bike, two-wheeler insurance policy in your mailbox and a hard copy in the mail

 

  1. How to renew Digit car insurance online?

 

Digit two-wheeler/bike insurance can be renewed in few easy steps

     

·         Go to the official website of Go Digit Insurance and select the “Renew Digit Policy” tab on top of the website.

·         After clicking on it you will be directed to the renewal page where you first need to put your mobile number and OTP password to access your account.

·         Once logged in check your existing car insurance policy and renewal option policy quote.

·         If you were happy with the renewal quote then click on purchase and you will be directed to secure payment gateway.

 

·         After making the payment Digit will send you the car insurance policy in your mailbox and a hard copy in the mail.

How to File a Claim with Digit General Insurance Company?

    1. How to register car claims in Digit Insurance?

    If your car breaks down or meets with an accident, here is all that you would need to do.

    ·         Reach out to the customer care of Digit Insurance through phone and inform them of your situation.

    ·         You will get a link on your mobile phone for self-inspection. Take pics of the damage on the mobile phone through a guided step by step process.

    ·         Then select the mode of repair you want to opt for cashless garage or reimbursement claim.

    ·         The company settles the claim quickly in less than 15 days.

     

    1. How to register bike claims in Digit Insurance?

    If your bike breaks down or meets with an accident, here is all that you would need to do.

    • Reach out to the customer care of Digit Insurance through phone and inform them of your situation.
    • You will get a link on your mobile phone for self-inspection. Take pics of the damage on the mobile phone through a guided step by step process.
    • Then select the mode of repair you want to opt for cashless garage or reimbursement claim.
    • The company settles the claim quickly in less than 15 days.

How to File Claims in other products (Brief)

    1. To file a claim the company can be contacted on helpline number 1800-258-5956  or1800-103-4448 or through email address hello@godigit.com . The customer claim process department is available 24/7 whole year round and even on national holidays. Depending on the type of insurance product the customer claim process team will guide you for the particular claim process of the specific insurance product.

Digit Insurance Customer Care Contact Number

    1. 1800-258-5956 or 1800-103-4448

Go Digit General Insurance FAQs

Most frequent questions and answers about Go Digit General Insurance

1. How is Digit general insurance company?

Digit General Insurance Company is an online general insurance company offering a simple general insurance solution. The buying, renewing and claim process of the company is smooth and quick. The company boasts a total of 30 lakh customers since it started its operation in the year 2016.

2. How is Digit car insurance?

Digit car insurance offers a comprehensive insurance solution to car owners in India. It also offers valuable add-ons to enhance protection of the base policy. The claim process of the car insurance is quick and online based ensuring super quick claim process.

3. How is Digit bike insurance?

Digit bike insurance offers affordable insurance solutions for two-wheeler owners. It has two policy types for selection. The claim process is online based ensuring a smooth and quick claim process.

4. How is Digit travel insurance?

Digit travel insurance ensures the travelers are comprehensively protected and there are covered for any hurdles that may put hindrances in the journey. The policy covers for baggage loss, passport replacement, medical assistance, etc.

5. What are the benefits of buying car insurance from Digit?

The benefits of buying car insurance from Digit are as follows

•    Online based making buying quick

•    Affordable quotes as a company selling to end user directly

•    The claim process is also online making claims process quick

•    Easy renewal 

6. What additional benefits Digit offers at the time of car insurance claims?

Digit Insurance sends an online link on which self-inspection photos can be uploaded. This ensures that time spent on inspection is not wasted and the claim can be processed quickly and swiftly.

7. Is it easy to file a car insurance claim in Digit Insurance?

Yes, it is extremely easy to file a car insurance claim in digit insurance as the whole process can be done online using one’s smartphone.