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Digit Standalone Own-Damage Car Insurance protects the insured car against eligible physical damage caused by covered accidents, collisions, fire, theft and specified natural or man-made events. Unlike comprehensive insurance, this standalone policy does not include third-party liability cover. The vehicle owner must maintain a separate valid third-party policy as required by law. Digit lists optional covers including Zero Depreciation, Return to Invoice, Tyre Protect, Breakdown Assistance, Consumables, Engine and Gearbox Protection, Key and Lock Protect, Daily Conveyance Benefit, Loss of Personal Belongings, Pay As You Drive and EV Shield, subject to eligibility and availability. Claims are settled according to the policy wording, insured declared value, depreciation, deductibles and applicable exclusions. Premium depends on vehicle-specific factors, IDV, registration location, claim history, eligible discounts and selected add-ons.
Standalone own-damage protection with optional covers for eligible vehicles
Standalone own-damage insurance can be useful when a vehicle owner already holds third-party insurance and wants to insure the car itself separately. Before buying, confirm that the third-party policy remains valid and check the vehicle details, IDV, deductibles, depreciation rules and selected add-ons. Zero Depreciation may reduce specified depreciation deductions, while Engine and Gearbox Protection may address certain losses excluded from standard cover. Neither add-on makes every claim payable. Confirm the current product eligibility and add-on terms for the particular car, especially for older vehicles and electric or hybrid vehicles. The final claim amount remains subject to inspection and the issued policy conditions.
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 physical damage to the insured car caused by covered accidents and collisions.
Depreciation, deductibles, inspection and policy exclusions apply.
Provides settlement for admissible theft or total-loss claims in accordance with the policy and insured declared value.
Claim investigation, documentation and policy conditions apply.
Covers eligible damage caused by insured fire events and specified natural calamities, subject to policy terms.
Engine damage caused by water ingress may require a specific add-on.
Eligible damage caused by specified riots, strikes or malicious acts may be covered under the policy.
Refer to the issued policy wording for covered perils and exclusions.
The IDV is used as the vehicle-value basis for relevant admissible total-loss or theft settlements.
The IDV is subject to policy terms and does not guarantee payment for every loss.
Can reduce specified depreciation deductions on eligible replaced parts during an admissible claim.
Vehicle-age eligibility, claim limits and policy conditions apply.
May provide an additional benefit for eligible theft or total-loss claims based on invoice value and covered costs.
Eligibility, settlement conditions and limits apply.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Go Digit plans and claim process
It covers eligible damage to your own insured car from covered events. Third-party liability is not included and must be maintained separately.
It can cover eligible accidental damage, theft, fire and specified natural or man-made events, subject to policy wording.
No. Third-party bodily injury, death and property-damage liability require a separate valid third-party policy.
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)
May cover specified engine or gearbox losses described in the selected add-on, including certain consequential damage scenarios.
Conditions and exclusions apply; ordinary breakdown is not automatically covered.
The quote depends on the car model, age, IDV, registration location, claims history, applicable discounts and selected add-ons.
Digit lists Zero Depreciation as an optional add-on for eligible vehicles. Confirm vehicle-age eligibility and the current add-on wording when obtaining a quote.
Eligible theft claims can be covered according to the policy, subject to documentation, investigation and applicable settlement conditions.
Flood damage to the car may be covered where the event is insured, but engine or gearbox damage caused by water ingress may require an eligible Engine and Gearbox Protection add-on.
A valid third-party policy can be maintained separately. Ensure the policy periods and vehicle details are correct and avoid any gap in mandatory liability cover.