{"uin":"IRDAN158RP0002V01201920","name":"Digit Private Car Stand Alone Own Damage Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":"Main Product","kind":"product","status":"unknown","approved_on":"2019-06-24","withdrawn_on":null,"summary":"A stand-alone own damage policy for private cars from Go Digit that pays for loss of or damage to the insured car from ten listed perils such as fire, theft, flood and accidents, up to the Insured's Declared Value. It has no third-party section, gives a no claim bonus of 20% to 50% on the own damage premium, and offers optional add-ons such as Parts Depreciation Protect and Return To Invoice.","analysis":{"state":"extracted","analysed_at":"2026-10-16 06:29:33.733589+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"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":"The base policy names no plans; plans named in the prospectus belong to add-on covers (for example Parts Depreciation Protect, Breakdown Assistance).","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":"not-stated","value":null,"display":null,"note":"No policy period is printed for the base policy. The cancellation clause refers to a refund 'if the term of the policy is upto one year'; the period is as shown in the schedule.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Notice in writing to the company immediately on the occurrence of any accidental loss or damage; for theft or a criminal act, immediate notice to the police as well.","display":"Immediately, in writing (police too for theft)","note":"Claims can be reported on 1800-258-5956 or 1800-103-4448 or hello@godigit.com (CIS); the CIS also gives WhatsApp 7026061234.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police ... Call our Helpline numbers 1800-258-5956 OR 1800-103-4448 or Email us - hello@godigit.com","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-conditions"},{"clause":"Row 1","heading":"Digit Private Car Consumable Cover with Stand-alone Own Damage Policy","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/65#c-row-1-2"}],"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":"cross-checked","value":["Registration certificate","Form 35","NOC","subrogation","indemnity bond","set of original keys of stolen vehicle","Non traceable report","detailed estimate of the cost of repairs"],"display":"For total theft: RC, Form 35, NOC, subrogation, indemnity bond, original keys, non traceable report; for self-authorised repairs: a detailed repair estimate","note":"The theft documents come from the CIS (total theft); the CIS says the full list is on the company website. The repair estimate applies where the insured authorises repairs. No general own-damage claim document list is printed.","quote":"Non traceable report must be submitted for confirming that the vehicle is not traceable by the authorities. ... Processing of payment in claim is subject to submission of original documents such as Registration certificate, Form 35, NOC, subrogation, indemnity bond and set of original keys of stolen vehicle. ... The Company is furnished forthwith with a detailed estimate of the cost of repairs","sources":[{"clause":null,"heading":"Own Damage sample claim calculation process (without the add on covers)","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/65#c-own-damage-sample-claim-calculation-process-with"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-b-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":"CIS: 'TAT (turn around time) for settlement of the claim will depend on the nature of claim and availability of part at the garage'; interest is payable if the claim is not settled 'within the specified timelines'. No period is printed.","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":"cross-checked","value":["Loss or damage outside the geographical area stated in the schedule","Any claim arising out of any contractual liability","Vehicle used otherwise than in accordance with the Limitations as to Use","Vehicle driven by a person other than a Driver as stated in the Driver's Clause","Consequential loss","Ionising radiation or radioactive contamination","Nuclear weapons material","War, invasion, civil war, mutiny, rebellion and similar perils","Depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","Loss or damage while the driver is under the influence of intoxicating liquor or drugs","Loss or damage before the commencement of the policy (break-in)"],"display":"Outside the geographical area, contractual liability, use outside Limitations as to Use, unauthorised driver, consequential loss, nuclear, war, wear and tear and breakdown, tyres alone, drunk driving, loss before the policy starts (break-in)","note":"Tyres and tubes damaged together with the vehicle are paid at 50% of the cost of replacement. The deductible stated in the schedule is also not paid.","quote":"Any accidental loss damage caused sustained or incurred outside the geographical area stated in the schedule. ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the “Limitations as to Use” or ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... or any consequential loss ... ionising radiations or contamination by radioactivity from any nuclear fuel ... arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war) civil war, mutiny rebellion ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement ... under the influence of intoxicating liquor or drugs ... in respect of the deductible stated in the schedule ... If this policy is preceded by break-in insurance, it is expressly agreed and understood that there will be no liability for any loss or damage that has occurred prior to the date of commencement mentioned in the schedule.","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS (Applicable to all Sections of the Policy)","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-a-3"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-b-3"},{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-c"},{"clause":null,"heading":"DEDUCTIBLE","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-deductible"},{"clause":"Row 1","heading":"Digit Private Car Consumable Cover with Stand-alone Own Damage Policy","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/65#c-row-1-2"}],"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":"cross-checked","value":"Call the 24x7 toll free number 1800 300 34448 or email hello@godigit.com; if not satisfied, contact the grievance officer at grievance@godigit.com, or register on IRDAI's Bima Bharosa, before approaching the Insurance Ombudsman.","display":"Customer service (1800 300 34448, hello@godigit.com), then grievance officer (grievance@godigit.com)","note":"Prospectus and CIS give the toll free number as 1800-258-5956. Senior citizens: 1800-258-5956, seniorcitizen@godigit.com (CIS says seniors@godigit.com).","quote":"please feel free to call our 24X7 Toll free number 1800 300 34448 or you may email to the customer service desk at hello@godigit.com ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@godigit.com ... The policyholder or the claimant also has the option to register the complaint on-line at IRDAl's Bima Bharosa by visiting https://bimabharosa.irdai.gov.in/","sources":[{"clause":"5(a)(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-a-ii"}],"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":"cross-checked","value":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire, theft, riot, earthquake, flood and storms, accident, malicious act, terrorism, transit, landslide","note":"Loss or damage to the vehicle and its accessories whilst thereon (Section I). Towing to the nearest repairer up to Rs. 1500 per accident is also paid.","quote":"1. by fire explosion self-ignition or lightning;\n2. by burglary housebreaking or theft;\n3. by riot and strike;\n4. by earthquake (fire and shock damage);\n5. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\n6. by accidental external means;\n7. by malicious act;\n8. by terrorist activity;\n9. whilst in transit by road rail inland-waterway lift elevator or air;\n10. by landslide rockslide. ... the Company will bear the reasonable cost of protection and removal to the nearest repairer and redelivery to the insured but not exceeding in all Rs. 1500/- in respect of any one accident","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-section-i"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-c"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"The insured can cancel at any time; the company refunds premium in proportion to the unexpired policy period, if the policy term is up to one year and no claim has been made during the policy period.","display":"Proportionate refund for unexpired period, if no claim made","note":"The documents do not say what is refunded if a claim has been made.","quote":"Cancellation by Insured: Policy may be cancelled at the option of the insured at any time during the term, by informing Us. ... Refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period.","sources":[{"clause":null,"heading":"CANCELLATION","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-cancellation"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-a-6"}],"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":"not-stated","value":null,"display":null,"note":"Only a pointer: the policy excludes loss 'outside the geographical area stated in the schedule'.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"cross-checked","value":["Stand alone own damage"],"display":"Standalone own damage only","note":"The policy has only Section I (loss of or damage to the vehicle); third-party cover is not part of it.","quote":"DIGIT PRIVATE CAR STAND ALONE OWN DAMAGE POLICY ... Section I LOSS OF OR DAMAGE TO THE VEHICLE INSURED","sources":[{"clause":null,"heading":"DIGIT PRIVATE CAR STAND ALONE OWN DAMAGE POLICY – POLICY WORDING UIN: IRDAN158RP0002V01201920","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-digit-private-car-stand-alone-own-damage-policy"},{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-section-i"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"not-applicable","value":null,"display":null,"note":"This is a stand-alone own damage policy covering only Section I (loss of or damage to the insured vehicle); third-party liability is bought under a separate policy.","quote":null,"sources":[],"law":[{"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 General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-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"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"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"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"cross-checked","value":"The IDV is the sum insured, fixed at the start of each policy period on the manufacturer's listed selling price adjusted for age-wise depreciation (5% up to 6 months to 50% for 4 to 5 years); for vehicles over 5 years old or obsolete models it is agreed between the company and the insured. It is the maximum paid for total loss, less the value of the wreck.","display":"Manufacturer's listed price less 5% to 50% depreciation by age; agreed value beyond 5 years","note":"Depreciation table: up to 6 months 5%, 6 months to 1 year 15%, 1 to 2 years 20%, 2 to 3 years 30%, 3 to 4 years 40%, 4 to 5 years 50%. A vehicle is a constructive total loss if retrieval and repair cost exceeds 75% of the IDV. CIS: the customer may change the IDV within the product's parameters.","quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer's listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... Not Exceeding 6 months | 5% ... Exceeding 4 years but not exceeding 5 years | 50% ... IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the Company and the insured. ... For total loss / constructive total loss of the vehicle -the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck. ... The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and/or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle. ... However, we allow the customer to change the IDV depending on Product’s parameter.","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-c-2"},{"clause":null,"heading":"The Schedule of Depreciation for Fixing IDV of the Vehicle","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-the-schedule-of-depreciation-for-fixing-idv-of-t"},{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-a-4"},{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/65#c-row-5"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"cross-checked","value":"Rubber, nylon and plastic parts, tyres, tubes, batteries and air bags 50%; fibre glass 30%; glass nil; painting 50% on the material cost; all other parts by vehicle age from nil (up to 6 months) to 50% (over 10 years).","display":"50% rubber/plastic, 30% fibre glass, nil glass; metal parts nil to 50% by age","note":"Other parts: up to 6 months nil, 6 months to 1 year 5%, 1 to 2 years 10%, 2 to 3 years 15%, 3 to 4 years 25%, 4 to 5 years 35%, 5 to 10 years 40%, over 10 years 50%. For a consolidated painting bill the material is taken as 25% of the painting charges. The Parts Depreciation Protect add-on can remove it.","quote":"For all rubber/nylon/plastic parts, tyres and tubes, batteries and air bags | - 50%\n2. For fibre glass components | - 30%\n3. For all parts made of glass | - Nil ... the depreciation rate of 50% shall be applied only on the material cost of total painting charges ... Not Exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5% ... Exceeding 10 years | 50% ... In case of a consolidated bill for painting charges, the material component shall be considered as 25% of the total painting charges for the purpose of applying the depreciation.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-section-i"},{"clause":"4","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"cross-checked","value":"No claim bonus on the own damage premium of 20% after one claim-free year, rising to 25%, 35%, 45% and 50% after five consecutive claim-free years; allowed only if renewed within 90 days of expiry.","display":"20% to 50%","note":"For military or paramilitary personnel in forward areas the 90 days may be extended up to 365 days. Maximum NCB is 50%.","quote":"The preceding year | 20%\nPreceding Two consecutive years | 25%\nPreceding Three consecutive years | 35%\nPreceding Four consecutive years | 45%\nPreceding Five consecutive years | 50%\nNo Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.","sources":[{"clause":null,"heading":"NO CLAIM BONUS (NCB)","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-no-claim-bonus-ncb"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"Only a pointer: the CIS gives the compulsory deductible as a '% of each claim, subject to a minimum amount as mentioned in Policy Schedule', with the amount left blank. The CIS sample claim calculation shows Rs 2,000 for illustration only. The Advantage Plus add-on can waive it.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"cross-checked","value":"None unless the insured opts for a voluntary deductible; the amount is as stated in the schedule.","display":"None unless opted","note":"CIS: voluntary deductible 'applicable only if opted', as a % of each claim as mentioned in the Policy Schedule.","quote":"In addition to the compulsory deductible, insured may also opt for voluntary deductible. ... Voluntary Deductible applicable to Loss of or Damage to the Vehicle Insured (applicable only if opted) Deductible % of each claim, as mentioned in Policy Schedule.","sources":[{"clause":null,"heading":"DEDUCTIBLE","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-deductible"},{"clause":"Row 1","heading":"Digit Private Car Consumable Cover with Stand-alone Own Damage Policy","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/65#c-row-1-2"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-applicable","value":null,"display":null,"note":"A stand-alone own damage policy with only Section I (loss of or damage to the vehicle insured); owner-driver PA cover is not part of this product, as with third-party liability.","quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"cross-checked","value":["Consumable Cover","Parts Depreciation Protect","Engine and Gear Box Protect","Tyre Protect","Daily Conveyance Benefit","Key & Lock Protect","Loss to Personal Belongings","Pay As You Drive","Breakdown Assistance","Return To Invoice","EV Shield","Preferred Garage Discount","NCB Protector","Accidental Hospitalization Cover","Daily Hospital Cash Cover","Good Driver Benefit","Advantage Plus"],"display":"Consumable Cover, Parts Depreciation Protect (zero depreciation), Engine and Gear Box Protect, Tyre Protect, Return To Invoice, Breakdown Assistance and others","note":"All add-ons are optional for extra premium. Parts Depreciation Protect has five plans, one of which is Zero Depreciation Cover. Tyre Protect is offered only to vehicles with Run Flat Technology; EV Shield only to electric or hybrid vehicles.","quote":"Yes, We have below mentioned Add-on covers under this Product to enhance the coverage which can be opted on payment of additional premium. ... Digit Private Car Consumable Cover with Stand-alone Own Damage Policy ... Digit Private Car Parts Depreciation Protect with Standalone Own Damage Policy ... Digit Private Car Engine and Gear Box Protect with Standalone Own Damage Policy ... Digit Private Car Tyre Protect with Stand-alone Own Damage Policy ... Digit Private Car Daily Conveyance Benefit with Stand-alone Own Damage Policy ... Digit Private Car Key & Lock Protect with Stand-alone Own Damage Policy ... Digit Private Car Loss to Personal Belongings with Standalone Own Damage Policy ... Digit Private Car Pay As You Drive with Stand-alone Own Damage Policy ... Digit Private Car Breakdown Assistance - With Standalone Own Damage Policy ... Digit Private Car Return To Invoice - With Standalone Own Damage Policy ... Digit Private Car EV Shield with Standalone Own Damage Policy ... Digit Private Car Preferred Garage Discount with Standalone Own Damage Policy ... Digit Private Car NCB Protector with Standalone Own Damage Policy ... Digit Private Car Accidental Hospitalization Cover with Standalone Own Damage Policy ... Digit Private Car Daily Hospital Cash Cover with Standalone Own Damage Policy ... Digit Private Car Good Driver Benefit with Standalone Own Damage Policy ... Digit Private Car Advantage Plus with Standalone Own Damage Policy ... Zero Depreciation Cover ... (Note: “Digit Private Car Tyre Protect” can be Offered only to Vehicles fitted with Run Flat Technology) ... This add on cover will be available for Electric Vehicles (EV) or Hybrid Vehicles (Petrol/Diesel +Electric).","sources":[{"clause":null,"heading":"What do I do in case of a claim?","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/64#c-what-do-i-do-in-case-of-a-claim"},{"clause":"2","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/64#c-2-2"},{"clause":"4","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/64#c-4-2"},{"clause":"11","heading":"Digit Private Car Ev Shield with Stand-alone Own Damage Policy","page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/64#c-11"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"cross-checked","value":"Yes. Repairs at the insurer's network garages are cashless; repairs at other garages are reimbursed.","display":"Yes, at 6000+ network garages","note":"From the CIS.","quote":"In cashless claims, You need not to pay anything from Your pocket if You have selected our network garage for the repair of the accidental vehicle. - We have 6000+ garages across the country ... If You want to repair Your accidental vehicle at Your desired garage and it is not a part of our network garage then You can submit the bill to us and apply for reimbursement for the expenses related to accident.","sources":[{"clause":null,"heading":"Own Damage sample claim calculation process (without the add on covers)","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/65#c-own-damage-sample-claim-calculation-process-with"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"cross-checked","value":["Driving under the influence of intoxicating liquor or drugs","Vehicle used otherwise than in accordance with the Limitations as to Use","Driven by any person other than a Driver as stated in the Driver's Clause","Driving without a valid document","Depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Consequential loss","Damage to tyres and tubes unless the vehicle is damaged at the same time","Loss outside the geographical area stated in the schedule","Damage due to wilful negligence","Pre-existing damages","Loss before the commencement of the period of insurance (break-in)"],"display":"Drink or drugs, use outside Limitations as to Use, unauthorised driver, no valid document, wear and tear and breakdown, consequential loss, tyres alone, outside the area, wilful negligence, pre-existing damage, loss before the policy starts (break-in)","note":"Driving without a valid document, wilful negligence and pre-existing damage are from the CIS list of situations where a claim might be rejected; the break-in exclusion is a CIS warranty. The CIS list also names fraud and damage not a direct result of an accident.","quote":"under the influence of intoxicating liquor or drugs ... Being used otherwise than in accordance with the “Limitations as to Use” or ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... • Damage due to drunk driving\n• Driving without a valid document ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... Any accidental loss damage caused sustained or incurred outside the geographical area stated in the schedule. ... • Damage due to wilful negligence ... • If claim is reported for pre-existing damages. ... If this policy is preceded by break-in insurance, it is expressly agreed and understood that there will be no liability for any loss or damage that has occurred prior to the date of commencement mentioned in the schedule.","sources":[{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-c"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-a-3"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-b-3"},{"clause":null,"heading":"Situations where your Car Insurance Claim might get Rejected","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/65#c-situations-where-your-car-insurance-claim-might"},{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-b"},{"clause":null,"heading":"GENERAL EXCEPTIONS (Applicable to all Sections of the Policy)","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"Row 1","heading":"Digit Private Car Consumable Cover with Stand-alone Own Damage Policy","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/65#c-row-1-2"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"cross-checked","value":"Insured's Declared Value (IDV): the manufacturer's listed selling price adjusted for depreciation, deemed to be the sum insured.","display":"Insured's Declared Value (IDV)","note":"IDV is treated as the market value throughout the policy period for total loss claims.","quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy ... is to be fixed on the basis of the manufacturer's listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the “Market Value” throughout the policy period","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-5-c-2"},{"clause":null,"heading":"The Schedule of Depreciation for Fixing IDV of the Vehicle","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Private Car - Stand Alone Own Damage - IRDAN158RP0002V01201920","pages":6,"fetched_at":"2026-10-16 06:29:33.548988+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/car/policy-wording-digit-private-car-stand-alone-own-damage-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/63"},{"kind":"prospectus","label":"Prospectus - Digit Private Car Stand Alone Own Damage Policy - IRDAN158RP0002V01201920","pages":38,"fetched_at":"2026-10-16 06:29:33.548988+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/car/prospectus-digit-private-car-stand-alone-own-damage-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/64"},{"kind":"cis","label":"CIS - Digit Private Car Stand Alone Own Damage Policy -IRDAN158RP0002V01201920","pages":4,"fetched_at":"2026-10-16 06:29:33.548988+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/car/cis-digit-private-car-stand-alone-own-damage-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920/document/65"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"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 Private Car Stand Alone Own Damage Policy (UIN IRDAN158RP0002V01201920), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-stand-alone-own-damage-policy-irdan158rp0002v01201920"}