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Digit Commercial Vehicle Third-Party Insurance is a liability-only motor policy for vehicles used for commercial purposes, such as taxis, auto-rickshaws, buses, vans, tractors and goods-carrying vehicles, subject to the insurer's accepted vehicle classes. It helps meet the legal requirement for motor third-party insurance in India. Cover is focused on eligible third-party bodily injury or death and third-party property damage caused by the insured vehicle. It does not pay for accidental damage, theft or natural-calamity damage to the insured commercial vehicle itself. The applicable premium depends on vehicle category, permitted use and tariff rules; customers should obtain a vehicle-specific quote and read the policy wording before purchase.
Covers eligible third-party liabilities caused by insured commercial vehicles; does not cover own-vehicle damage
This policy is designed for businesses and commercial vehicle owners who need third-party liability protection rather than own-damage insurance. The key distinction is its limited scope: it can respond to covered third-party liability, while repairs or replacement of the insured vehicle are not covered under a liability-only policy. Third-party property damage is subject to the policy limit, commonly up to ₹7.5 lakh, and bodily injury/death compensation is assessed under applicable law and claims processes. Owner-driver personal accident benefits are subject to eligibility, applicable requirements and policy terms. If protection for the vehicle itself is required, compare Digit's package/comprehensive commercial vehicle policy instead.
Go Digit
Key Insights
Founded
2017
Go Digit was established 9 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
96% CSR, calculated as a 3-year average
Go Digit settles 96% of all claims it receives, demonstrating strong credibility.
Contact Details
1800 103 4448
Headquarters: Atlantis, No. 95, 4th B Cross Road, 5th Block, Koramangala Industrial Layout, Bengaluru, Karnataka 560095, India
Covers eligible legal liability for bodily injury or death caused to a third party by the insured commercial vehicle.
Compensation is handled under applicable law and policy terms.
Covers eligible damage caused to another person’s vehicle or property, subject to the policy limit.
Digit states a property-damage limit of up to ₹7.5 lakh for this policy type.
Personal accident benefit may apply where the owner-driver is eligible and the required cover applies.
Check eligibility, existing cover and policy schedule.
Intended for eligible commercial vehicles including passenger-carrying and goods-carrying categories.
Vehicle class and permitted use must match the proposal and policy.
Helps protect the insured against covered third-party liabilities arising from use of the insured vehicle.
Subject to exclusions, conditions and limits.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Go Digit plans and claim process
At least third-party motor insurance is generally required for vehicles used on Indian roads. Confirm the applicable requirements for the specific commercial vehicle and use.
It covers eligible third-party bodily injury or death liability and third-party property damage caused by the insured commercial vehicle, subject to policy terms and limits.
No. A liability-only third-party policy does not cover accidental damage, theft or natural-calamity damage to the insured vehicle. A package/comprehensive policy may provide own-damage cover.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Go Digit website before purchasing.
Official Website
godigit.com
Visit the official Go Digit website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Digit’s published commercial vehicle third-party page states property damage cover up to ₹7.5 lakh. Check the issued policy wording and schedule for the applicable limit.
No. Premium depends on the vehicle category and applicable statutory tariff. Obtain a quote using the exact vehicle details.
Digit describes cover for various passenger-carrying, goods-carrying and other commercial vehicle classes. Eligibility depends on the specific vehicle class and underwriting rules.
Personal accident cover may apply subject to eligibility, applicable requirements and the policy schedule. Confirm the exact cover before purchase.
Own-damage add-ons are not available with a liability-only third-party policy. Review the package/comprehensive option if you need additional vehicle protection.
The vehicle may be uninsured for third-party liability until a valid policy is in force, and legal penalties may apply. Renew before expiry and confirm the new policy dates.
Verify the registration details, vehicle class, commercial use, permitted use, liability limits, owner-driver cover, exclusions and policy dates against the proposal and policy wording.