Don't pay hefty penalty. Renew car insurance in just 5 mins.
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.
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.
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
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.
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
How to File a Claim with Digit General Insurance Company?
How to File Claims in other products (Brief)
Digit Insurance Customer Care Contact Number
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.