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Digit Third-Party Car Insurance provides liability protection for specified legal liabilities arising when the insured car causes bodily injury, death or property damage to another party. Third-party motor insurance is mandatory for vehicles used on public roads in India, subject to applicable law. The policy does not pay for accidental damage, theft or fire damage to the policyholder’s own car; these risks require own-damage or comprehensive cover. Third-party premium rates are governed by applicable regulatory rates and depend mainly on vehicle classification and engine capacity, with different arrangements for certain new vehicles and policy durations. Personal accident cover for the owner-driver is subject to applicable requirements, eligibility and policy terms. Review the issued policy schedule to confirm the exact limits, duration and applicable benefits.
Liability-only protection to help meet Indian motor insurance requirements
A third-party policy is designed to meet liability-protection requirements rather than provide complete protection for the insured car. It can be suitable for owners prioritising legally required cover, but it leaves own-vehicle repair and theft costs uninsured. Before buying, check the vehicle details, engine capacity, policy duration, owner-driver personal accident requirements and any existing policies. If protection against damage to your own car is needed, compare comprehensive cover or a valid standalone own-damage policy paired with third-party insurance.
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 insured legal liability for bodily injury caused to a third party in an accident involving the insured vehicle.
Subject to applicable law, policy terms and claim adjudication.
Provides cover for insured legal liability arising from a third-party death caused by an accident involving the insured vehicle.
Compensation is determined under applicable law and the relevant claims process.
Covers eligible liability for damage caused to another person’s property, subject to applicable limits and policy conditions.
The applicable limit should be confirmed in the issued policy wording.
Helps the vehicle owner meet the legal requirement for third-party motor insurance when the vehicle is used as required under Indian law.
Keep the policy valid and carry required vehicle documents.
Personal accident benefits may apply where required, selected or otherwise applicable to an eligible owner-driver.
Eligibility, insured amount and exceptions depend on applicable rules and existing cover.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Go Digit plans and claim process
It is a liability-only motor policy that covers specified legal liabilities for third-party bodily injury, death and property damage, subject to the policy and applicable law.
No. Damage to your own car, including accident damage, fire damage and theft, is not covered by a third-party-only policy.
Third-party motor insurance is generally mandatory for vehicles used on public roads in India. Confirm the requirements applicable to your vehicle and use.
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)
The premium primarily depends on vehicle classification and engine capacity under applicable regulatory rates. Policy duration and vehicle category also matter.
It covers eligible third-party property-damage liability subject to the applicable limit, policy wording and legal requirements.
Owner-driver personal accident cover depends on applicable requirements, eligibility and existing cover. Check the policy schedule before purchase.
Zero depreciation is an own-damage-related benefit and is not a standard add-on to a liability-only policy. Check the insurer’s available policy combinations.
Consider comprehensive car insurance, or a valid standalone own-damage policy alongside third-party liability insurance, subject to eligibility and policy conditions.