{"uin":"IRDAN158CP0089V01202021","name":"Digit Specific Risk Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Specific Risk Policy covers loss of or damage to property insured against opted perils, with optional third party liability arising out of the insured property. The policy term can be 1 Year up to 3 years in multiples of 1 year, with short term basis also available.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:21:59.501602+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plans are stated; the documents describe cover sections and peril options instead.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The coverage under this policy can be opted for 1 Year up to 3 years in multiples of 1 year, or on short term basis as per the short period scale.","display":"1 Year up to 3 years in multiples of 1 year; short term basis also available","note":null,"quote":"The coverage under this Policy can be opted for 1 Year up to 3 years in multiples of 1 year. You can also opt this policy on short term basis as per the short period scale.","sources":[{"clause":null,"heading":"What are the Policy Period options available under this Policy?","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/616#c-what-are-the-policy-period-options-available-und"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Give written notice immediately and in any event within 7 days from the date of incident. In case of Theft or any malicious damage, lodge a police complaint within 24 hours of the incident and obtain FIR.","display":"Immediately and within 7 days; police complaint within 24 hours for Theft or malicious damage","note":null,"quote":"Immediately and in any event within 7 days, from the date of incident giving rise to a claim under this Policy, give written notice to Us to the address shown in the Policy Schedule/ Certificate of Insurance; ... In case of Theft or any malicious damage, lodge complaint with the Police Authorities within 24 hours of the incident and obtain First Information Report (FIR).","sources":[{"clause":"15","heading":"Claims Procedure","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-15-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["written notice to Us to the address shown in the Policy Schedule/ Certificate of Insurance","First Information Report (FIR) in case of Theft or any malicious damage","every letter, writ, summons in relation to Your claim","detailed statement in writing regarding loss or damage","any such information and documentation (in relation to the quantum of the Claim and otherwise) that We may request"],"display":"Written notice, FIR for Theft or malicious damage, every letter/writ/summons, detailed loss statement, and requested claim information/documentation","note":null,"quote":"give written notice to Us to the address shown in the Policy Schedule/ Certificate of Insurance; ... lodge complaint with the Police Authorities within 24 hours of the incident and obtain First Information Report (FIR). ... Forward Us every letter, writ, summons in relation to Your claim as soon as You receive it. ... Provide Us with detailed statement in writing regarding loss or damage and any such information and documentation (in relation to the quantum of the Claim and otherwise) that We may request within 14 days from the date of incident giving rise to a claim under this Policy.","sources":[{"clause":"15","heading":"Claims Procedure","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-15-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The claims procedure states intimation and documentation timelines, but does not state how quickly a claim is decided or paid.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["The amount of the Excess specified in the Policy Schedule/ Certificate of Insurance","Any Loss or damage arising out of a peril listed under Insuring Clause of Section I: Loss of or Damage to Property Insured not specifically mentioned in Your Policy Schedule/Certificate of Insurance","Loss of or Damage to property not belonging to or held in trust by or in the custody or control of the Insured","Loss of or Damage to property caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear","Loss of or damage to money, securities, virtual currency, manuscripts, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, stamps, travel tickets, travelers’ cheques, business books or documents","Theft from any vehicle except vehicle of fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened","Any damage to the Property Insured that existed before the Policy Inception i.e. any Pre-existing damage","Loss or damage due to theft or attempted theft by any employee or any other person with a connivance of the Insured or any employee","Consequential losses of any kind including but not limited to loss of profit, business interruption, market loss","Loss or damage directly or indirectly arising from war","Loss or damage due to ionising radiation or contamination by radioactive substance","loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA","loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism"],"display":"Key exclusions include excess, unselected perils, property not owned/held by insured, wear and tear/gradual causes, money/securities/documents, vehicle theft except locked saloon, pre-existing damage, employee/connived theft, consequential loss, war, nuclear/radiation, electronic data and terrorism unless specifically agreed.","note":null,"quote":"The amount of the Excess specified in the Policy Schedule/ Certificate of Insurance ascertained after the application of all other terms and conditions of this Policy including any condition of average (underinsurance). ... Any Loss or damage arising out of a peril listed under Insuring Clause of Section I: Loss of or Damage to Property Insured not specifically mentioned in Your Policy Schedule/Certificate of Insurance. ... Loss of or Damage to property not belonging to or held in trust by or in the custody or control of the Insured. ... Loss of or Damage to property caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, vermin, insects or mildew or any other gradually operating cause or due to deformation or distortion. ... Loss of or damage to money, securities, virtual currency, manuscripts, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, stamps, travel tickets, travelers’ cheques, business books or documents. ... Theft from any vehicle except vehicle of fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened. ... Any damage to the Property Insured that existed before the Policy Inception i.e. any Pre-existing damage. ... Loss or damage due to theft or attempted theft by any employee or any other person with a connivance of the Insured or any employee. ... Consequential losses of any kind including but not limited to loss of profit, business interruption, market loss. ... Loss or damage directly or indirectly arising from war (whether war be declared or not), war-like operations, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrections, mutiny, commandeering a group of malicious persons or persons acting on behalf of or in connection with any political organization, civil commotion, military or usurped power, seizure, capture, confiscation, arrests, restraint and/or detainment by the order of any government or any other authority. ... Loss or damage due to ionising radiation or contamination by radioactive substance from any nuclear fuel or from any nuclear assembly or nuclear waste or from the combustion of nuclear fuel. ... This Policy does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA from any cause whatsoever (including but not limited to COMPUTER VIRUS) ... this insurance excludes loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss, unless specifically agreed by Us and mentioned in Your Policy Schedule/ Certificate of Insurance.","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-1-2"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-2-2"},{"clause":"3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-3-2"},{"clause":"4","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-4-2"},{"clause":"4(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-4-a"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First complain to the company by calling 1800-258-5956 or emailing hello@godigit.com; senior citizens can also write to seniors@godigit.com. After internal investigation and closure, if the response is not satisfactory, the policy says you may approach the Insurance Ombudsman.","display":"Call 1800-258-5956 or email hello@godigit.com; senior citizens: 1800-258-5956 or seniors@godigit.com; then Ombudsman if not satisfied","note":null,"quote":"if you are not satisfied with our services and wish to lodge a complaint, please feel free to call our 24X7 Toll free number 1800-258-5956 or you may email to the customer service desk at hello@godigit.com. After investigating the matter internally and subsequent closure, we will send our response. Senior Citizens can now contact us on 1800-258-5956 or write to us at seniors@godigit.com If you do not get a satisfactory response from us and you wish to pursue other avenues for redressal of grievances, you may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman Scheme.","sources":[{"clause":"17","heading":"Grievances","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-17-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["All Risk Cover except the perils specifically excluded and mentioned in this Policy","Fire, Lightning, Explosion","Riot, strike, malicious damage","flood, storm, cyclone, volcanic eruption, typhoon, hurricane, tornado, or other convulsion of nature or atmospheric disturbances","Earthquake (fire and shock)","Mechanical or electrical derangement/breakdown","Burglary or Housebreaking or Robbery","Theft","Accidental Damage","Third Party Bodily Injury or Death","Third Party Property Damage"],"display":"All Risk Cover except excluded perils, or selected listed perils; optional Third Party Bodily Injury or Death and Third Party Property Damage","note":"Section I perils must be specifically opted and mentioned in the Policy Schedule/ Certificate of Insurance. Section II Third Party Liability applies only if opted.","quote":"Option 1 : All Risk Cover except the perils specifically excluded and mentioned in this Policy . Option 2 : You can select one or combination of more than one Peril as listed below.\na) Fire, Lightning, Explosion\nb) Riot, strike, malicious damage\nc) flood, storm, cyclone, volcanic eruption, typhoon, hurricane, tornado, or other convulsion of nature or atmospheric disturbances\nd) Earthquake (fire and shock)\ne) Mechanical or electrical derangement/breakdown\nf) Burglary or Housebreaking or Robbery\ng) Theft\nh) Accidental Damage ... If You have opted for this Section, We will indemnify You for an amount, for which You become legally liable to pay as Compensation ... Third Party Bodily Injury or Death; or ... Third Party Property Damage","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO PROPERTY INSURED","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-section-i"},{"clause":"Section II","heading":"THIRD PARTY LIABILITY","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-section-ii"},{"clause":"1","heading":"Third Party Bodily Injury or Death; or","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-1-3"},{"clause":"2","heading":"Third Party Property Damage","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-2-3"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The excess/deductible is paid first by the insured for each and every claim. The insured can opt deductible as a percentage of Sum Insured, ranging from 0% to 10%, with the exact amount stated in the Policy Schedule/ Certificate of Insurance.","display":"Paid first by the insured for each and every claim; can be 0% to 10% of Sum Insured","note":"The applicable amount for a policy is as stated in the Policy Schedule/ Certificate of Insurance.","quote":"Excess/Deductible means the amount stated in the Policy Schedule/ Certificate of Insurance, which shall be paid first by the Insured in respect of each and every claim made under this Policy. ... Deducible is the part of the claim that is to be first paid by you and we are liable to pay the remaining part of the claim. You can opt deductible as a percentage of Sum Insured, ranging from 0% to 10%.","sources":[{"clause":"7","heading":"Excess/Deductible","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-7"},{"clause":"13","heading":"Renewal Notice","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/616#c-13"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"Cancellation by the insured requires fifteen days’ notice. The insured gets pro-rata refund for remaining full policy year(s), and for the running policy year the short period scale applies if there is no claim; any long-term discount is deducted from the refund.","display":"15 days’ notice; pro-rata refund for remaining full policy year(s); running year refund by short period scale if no claim","note":null,"quote":"Cancellation by Insured: Policy may be cancelled at the option of the insured with fifteen days’ notice of cancellation and the Insured will be entitled for refund of premium on Pro-rata basis for the remaining full policy year(s) and for the running policy year, the below short period scale of rates shall be applicable, provided that there is no claim in the running policy year. We will deduct any long-term discount given for long-term Policies from the premium refund and the balance premium, if any, will be refundable to the insured. In case of cancellation of policy by the insured, premium would be retained as per below table:\nPolicy Period Required | % of Annual Premium\nFor a period not exceeding 15 days | 10% of the Annual rate\nFor a period not exceeding 1 month | 15% of the Annual rate\nFor a period not exceeding 2 months | 30% of the Annual rate\nFor a period not exceeding 3 months | 40% of the Annual rate\nFor a period not exceeding 4 months | 50% of the Annual rate\nFor a period not exceeding 5 months | 60% of the Annual rate\nFor a period not exceeding 6 months | 70% of the Annual rate\nFor a period not exceeding 7 months | 75% of the Annual rate\nFor a period not exceeding 8 months | 80% of the Annual rate\nFor a period not exceeding 9 months | 85% of the Annual rate\nFor a period exceeding 9 months | 100% of the Annual rate","sources":[{"clause":"14","heading":"Cancellation","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-14-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The territorial limits can be Specified Premises in India, Anywhere in India or Worldwide as mentioned in the Policy Schedule/ Certificate of Insurance. All claims are settled in India in Indian rupees and the laws of India govern the policy.","display":"Specified Premises in India, Anywhere in India or Worldwide; claims settled in India in Indian rupees","note":"The actual territorial option for an issued policy is the one mentioned in its Policy Schedule/ Certificate of Insurance.","quote":"The Territorial Limits for this Policy will be Specified Premises in India or Anywhere in India or Worldwide as mentioned in Your Policy Schedule/ Certificate of Insurance, however all claims shall be settled in India in Indian rupees. The laws of India shall govern the provisions of this Policy for the time being in force.","sources":[{"clause":"12","heading":"Territorial Limits","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-12-2"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers the Property Insured, meaning the items stated in the Policy Schedule/Certificate of Insurance, against loss of or damage to property insured and/or liability during the Policy Period.","display":"Items stated in the Policy Schedule/Certificate of Insurance: loss of or damage to Property Insured and/or liability","note":null,"quote":"Property Insured means the Items stated in the Policy Schedule/Certificate of Insurance. ... indemnify You up to the Sum Insured and/or Limit of Liability mentioned in Your Policy Schedule/ Certificate of Insurance against loss of or damage to the Property Insured and/or liability suffered or occurring during the Policy Period and covered in the following Sections","sources":[{"clause":"13","heading":"Property Insured","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-13"},{"clause":null,"heading":"OPERATIVE CLAUSE","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590#c-operative-clause"}],"law":[]}],"documents":[{"kind":"wording","label":"Digit Specific Risk Policy - Policy Wordings - IRDAN158CP0089V01202021","pages":16,"fetched_at":"2026-10-17 19:38:44+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/Digit%20Specific%20Risk%20-%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/590"},{"kind":"prospectus","label":"Digit Specific Risk Policy - Prospectus - IRDAN158CP0089V01202021","pages":11,"fetched_at":"2026-10-17 19:39:13+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/Digit%20Specific%20Risk%20Policy%20-%20Prospectus.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021/document/616"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Digit Specific Risk Policy (UIN IRDAN158CP0089V01202021), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-specific-risk-policy-irdan158cp0089v01202021"}