{"uin":"IRDAN158RP0005V01201718","name":"Digit Private Car Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718","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":"active","approved_on":"2018-01-05","withdrawn_on":null,"summary":"Digit Private Car Policy is a Go Digit package motor policy for private cars covering own damage from ten named perils, third-party liability and owner-driver personal accident cover of up to 15 lakhs. The sum insured is the IDV based on the listed selling price less 5% to 50% depreciation, NCB runs from 20% to 50%, and 17 optional add-ons are offered.","analysis":{"state":"extracted","analysed_at":"2026-10-16 04:48:12.695524+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":"No named plans. The prospectus offers a Package Policy or one of three restricted covers (Third Party plus Fire, Theft, or Fire and Theft); these are cover types, answered under cover_types.","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 fixed term printed. The cancellation clause refers to a policy term 'upto one year' and the CIS mentions long-term policies with IDV set for each policy year, but neither states the term offered.","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":"Written notice must be given to the insurer immediately after any accidental loss or damage; for theft or a criminal act, the police must also be told immediately.","display":"Immediately, in writing","note":"Claims can be registered on 1800 258 5956 or hello@godigit.com (prospectus). Add-ons set their own limits, for example 30 days (Consumable Cover, Parts Depreciation Protect), 3 days (Engine and Gear Box Protect, EV Shield, Key and Lock, Personal Belongings) and 48 hours of admission (Accidental Hospitalization, Daily Hospital Cash).","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","sources":[{"clause":null,"heading":"CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-conditions"}],"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":["Non traceable report (total theft)","Registration certificate","Form 35","NOC","subrogation","indemnity bond","set of original keys of stolen vehicle"],"display":"For total theft: non traceable report, registration certificate, Form 35, NOC, subrogation, indemnity bond and original keys","note":"CIS only, for total theft. The full list of documents is said to be on the company website. The wording asks for every letter, claim, writ, summons or process to be forwarded on receipt. For third-party claims the CIS says the third party should lodge a FIR and file at the Motor Accident Claims Tribunal. Accidental Hospitalization and Daily Hospital Cash add-ons have their own document lists.","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.","sources":[{"clause":"Row 17","heading":"Digit Private Car Advantage Plus","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/29#c-row-17"}],"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":"No time is promised. The CIS says the turnaround 'will depend on the nature of claim and availability of part at the garage'; interest is payable if a claim is not settled within the 'specified timelines', which are not given (not for Section II third-party claims).","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":["Deductible stated in the schedule (Section I)","Loss, damage or liability 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 any person other than a Driver as stated in the Driver's Clause","Consequential loss","Ionising radiation or radioactive contamination from nuclear fuel or waste","Nuclear weapons material","War, invasion, hostilities, civil war, mutiny, rebellion, military or usurped power","Depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages (Section I)","Damage to tyres and tubes unless the vehicle is damaged at the same time (Section I)","Loss or damage while the driver is under the influence of intoxicating liquor or drugs (Section I)"],"display":"Outside the geographical area, contractual liability, use outside Limitations as to Use, unauthorised driver, consequential loss, nuclear risks, war; plus wear and tear, breakdown and drunk driving under Section I","note":"Owner-driver PA excludes intentional self-injury, suicide, physical defect or infirmity, and accidents under the influence of liquor or drugs.","quote":"1. Any accidental loss damage and/or liability caused sustained or incurred outside the geographical area stated in the schedule. 2. Any claim arising out of any contractual liability; ... a) being used otherwise than in accordance with the “Limitations as to Use” or ... b) 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. 4. (i) Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss ... (ii) Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel ... 5. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or 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, military or usurped power ... a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... b) Damage to tyres and tubes unless the vehicle is damaged at the same time ... c) Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... The Company shall not be liable for each and every claim under Section - I (loss of or damage to the vehicle insured) of this Policy in respect of the deductible stated in the schedule.","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS (Applicable to all Sections of the Policy)","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"3(I)(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-3-i-a"},{"clause":"3(I)(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-3-i-b"},{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-5-c"},{"clause":null,"heading":"DEDUCTIBLE","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-deductible"}],"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":"Complain first to the company's customer service (toll free number or hello@godigit.com); if not satisfied, write to the grievance officer at grievance@godigit.com or register on IRDAI's Bima Bharosa; then approach the Insurance Ombudsman.","display":"Customer service (toll free number or hello@godigit.com), then the grievance officer at grievance@godigit.com, then the Insurance Ombudsman","note":"The route is the same in all three documents; only contact details differ: the wording gives toll free number 1800 300 34448 and seniorcitizen@godigit.com, the prospectus and CIS give 1800-258-5956 and seniors@godigit.com. Complaints can also be registered on IRDAI's Bima Bharosa (https://bimabharosa.irdai.gov.in/).","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 ... 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":"3(I)(a)(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-3-i-a-ii"},{"clause":null,"heading":"What do I do in case of any grievance?","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/28#c-what-do-i-do-in-case-of-any-grievance"},{"clause":"Row 17","heading":"Digit Private Car Advantage Plus","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/29#c-row-17"}],"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","Legal liability for death of or bodily injury to any person","Legal liability for damage to third-party property","Bodily injury or death of the owner-driver"],"display":"Ten own-damage perils (fire, theft, riot, earthquake, flood and storm, accident, malicious act, terrorism, transit, landslide), third-party liability and owner-driver PA","note":null,"quote":"1. by fire explosion self-ignition or lightning; 2. by burglary housebreaking or theft; 3. by riot and strike; 4. by earthquake (fire and shock damage); 5. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; 6. by accidental external means; 7. by malicious act; 8. by terrorist activity; 9. whilst in transit by road rail inland-waterway lift elevator or air; 10. by landslide rockslide. ... a) Death of or bodily injury to any person including occupants carried in the vehicle ... b) Damage to property other than property belonging to the insured ... compensation as per the following scale for bodily injury/death sustained by the owner-driver of the vehicle","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-policy-irdan158rp0005v01201718/document/27#c-section-i"},{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-1-a"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-1-b"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-section-iii"}],"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":"You may cancel at any time by informing the insurer; the premium for the unexpired period is refunded in proportion if the term is up to one year and no claim was made. Statutory third-party cover can be cancelled only for double insurance or total loss.","display":"Proportionate refund of premium for the unexpired period, if term is up to one year and no claim made","note":"The wording does not say what is refunded if a claim was made or the term is longer than one year. A policy can be cancelled only after the vehicle is insured elsewhere for at least Liability Only cover and the original Certificate of Insurance is surrendered.","quote":"Under no circumstances statutory Motor Third Party Liability insurance or any other compulsory insurance mandated by law can be cancelled, except in case of double insurance or total loss. ... Cancellation by Insured: Policy may be cancelled at the option of the insured at any time during the term, by informing Us. ... a) 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":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-cancellation"},{"clause":"3(I)(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-3-i-a-4"}],"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":"The general exceptions exclude loss 'outside the geographical area stated in the schedule', but the area itself is not printed in these documents.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"cross-checked","value":["Package Policy (own damage, third-party liability and owner-driver PA)","Third Party Cover + Fire Only Cover","Third Party Cover + Theft Only Cover","Third party Cover + Fire and Theft Cover"],"display":"Package (comprehensive) policy, or third-party cover with fire, theft, or fire and theft","note":"Standalone own-damage and third-party-only covers are not mentioned in these documents.","quote":"Under a Package Policy, all the above Sections would be Covered, however, you have an Option to restrict the above cover by selecting any one of the below Restricted Covers ... Third Party Cover + Fire Only Cover ... Third Party Cover + Theft Only Cover ... Third party Cover + Fire and Theft Cover","sources":[{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/28#c-2"}],"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":"cross-checked","value":"Covers the insured's legal liability for death of or bodily injury to any person (including non-paying occupants) and for damage to third-party property, subject to the limits in the schedule. The CIS says death or bodily injury has no limit.","display":"Death or bodily injury: no limit; property damage: up to the limit in the schedule","note":"The CIS leaves the third-party property damage limit blank ('Upto INR ____'). Liability to the insured's own employees is covered only as far as the Motor Vehicles Act requires.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the insured shall become legally liable to pay in respect of: ... a) Death of or bodily injury to any person including occupants carried in the vehicle (provided such occupants are not carried for hire or reward) ... b) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... For Third Party Death / bodily injury – No Limit","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-1"},{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-1-a"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-1-b"},{"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-policy-irdan158rp0005v01201718/document/29#c-row-5"}],"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":"IDV is the manufacturer's listed selling price of the brand and model, adjusted for depreciation by age from 5% (up to 6 months) to 50% (4 to 5 years); for vehicles over 5 years or obsolete models it is agreed between the company and the insured. For total loss or constructive total loss the company pays the IDV less the value of the wreck.","display":"Listed selling price less 5% to 50% depreciation by age; agreed value beyond 5 years","note":"A vehicle is a constructive total loss if retrieval and repair cost exceeds 75% of IDV. CIS: the customer may change the IDV within product parameters; IDV on the schedule is the maximum paid for theft or total loss.","quote":"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.","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#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-policy-irdan158rp0005v01201718/document/27#c-the-schedule-of-depreciation-for-fixing-idv-of-t"},{"clause":"3(I)(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-3-i-a-2"}],"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":"On partial losses, replaced parts bear depreciation: 50% on rubber, nylon and plastic parts, tyres, tubes, batteries and air bags; 30% on fibre glass; nil on glass; 50% on the material cost of painting; other parts (including wooden parts) Nil to 50% by vehicle age.","display":"50% on rubber/nylon/plastic parts, tyres, tubes, batteries and air bags; 30% fibre glass; nil glass; other parts Nil to 50% by age","note":"Other parts by age: nil up to 6 months, 5% to 1 year, 10% to 2 years, 15% to 3 years, 25% to 4 years, 35% to 5 years, 40% to 10 years, 50% over 10 years. On a consolidated painting bill, material is taken as 25% of the total. Parts Depreciation Protect add-on covers depreciation.","quote":"1. For all rubber/nylon/plastic parts, tyres and tubes, batteries and air bags | - 50% 2. For fibre glass components | - 30% 3. For all parts made of glass | - Nil ... In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. ... Rate of depreciation for all other parts including wooden parts will be as per the following schedule. ... Not Exceeding 6 months | Nil ... Exceeding 10 years | 50%","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-policy-irdan158rp0005v01201718/document/27#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-policy-irdan158rp0005v01201718/document/27#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#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 for claim-free years: 20% after one year, 25% after two, 35% after three, 45% after four and 50% after five consecutive years, provided the policy is renewed within 90 days of expiry.","display":"20% to 50% of OD premium for one to five claim-free years","note":"Maximum NCB is 50%. Prospectus: the 90 days may be extended up to 365 days for military or paramilitary personnel in forward areas. NCB Protector add-on keeps NCB after a partial loss claim.","quote":"The preceding year | 20% Preceding Two consecutive years | 25% Preceding Three consecutive years | 35% Preceding Four consecutive years | 45% Preceding Five consecutive years | 50% No 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":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#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":"cross-checked","value":"A compulsory deductible applies to every Section I (own damage) claim, at the amount stated in the policy schedule. The CIS describes it as a % of each claim subject to a minimum amount.","display":"As stated in the policy schedule, on each own-damage claim","note":"The amount is not printed; the CIS sample claim deducts ₹2,000. Preferred Garage Discount add-on can waive it when repaired at a Digit Preferred Repair Shop.","quote":"In addition to the compulsory deductible, insured may also opt for voluntary deductible. The Company shall not be liable for each and every claim under Section - I (loss of or damage to the vehicle insured) of this Policy in respect of the deductible stated in the schedule. ... Compulsory Deductible applicable to Section 1- Loss of or Damage to the Vehicle Insured Deductible % of each claim, subject to a minimum amount as mentioned in Policy Schedule.","sources":[{"clause":null,"heading":"DEDUCTIBLE","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-deductible"},{"clause":"Row 17","heading":"Digit Private Car Advantage Plus","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/29#c-row-17"}],"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":"quote-verified","value":"The insured may opt for a voluntary deductible on Section I (own damage) claims, in addition to the compulsory deductible; it applies only if opted and is a % of each claim as set in the policy schedule.","display":"Optional: a % of each own-damage claim, as set in the policy schedule","note":"The percentage and rupee amount are not printed (the CIS leaves 'Voluntary Deductible (Rs):' blank). The documents do not state the premium discount for choosing it.","quote":"In addition to the compulsory deductible, insured may also opt for voluntary deductible. ... Voluntary Deductible applicable to Section 1- 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":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-deductible"},{"clause":"Row 17","heading":"Digit Private Car Advantage Plus","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/29#c-row-17"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Section III pays the owner-driver for accidental death or injury in connection with the insured vehicle: 100% for death, loss of two limbs or eyes, or permanent total disablement, 50% for one limb or eye, up to 15 lakhs in a policy period.","display":"Up to 15 lakhs per period: 100% for death, 50% for loss of one limb or eye","note":"Only if the owner-driver is the registered owner, is the named insured and holds an effective driving licence. Excludes intentional self-injury, suicide, physical defect or infirmity, and accidents under the influence of liquor or drugs. CIS: 'INR 15 lakhs'.","quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured ... i) Death | 100% ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% iii) Loss of one limb or sight of one eye | 50% ... iv) Permanent total disablement from injuries other than named above | 100% ... the total liability of the insurer shall not in the aggregate exceed the sum of 15 lakhs during any one period of insurance.","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-section-iii"},{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-1-2"}],"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":["Digit Private Car Consumable Cover","Digit Private Car Parts Depreciation Protect","Digit Private Car Engine and Gear Box Protect","Digit Private Car Tyre Protect","Digit Private Car Daily Conveyance Benefit","Digit Private Car Key & Lock Protect","Digit Private Car Loss to Personal Belongings","Digit Private Car Pay As You Drive","Digit Private Car Breakdown Assistance","Digit Private Car Return To Invoice","Digit Private Car Preferred Garage Discount","Digit Private Car Ev Shield","Digit Private Car NCB Protector","Digit Private Car Accidental Hospitalization Cover","Digit Private Car Daily Hospital cash cover","Digit Private Car Good Driver Benefit","Digit Private Car Advantage Plus"],"display":"17 add-ons including Consumable Cover, Parts Depreciation Protect, Engine and Gear Box Protect, Return To Invoice and Breakdown Assistance","note":"All are optional for an additional premium. The prospectus lists and describes 16; the CIS adds a 17th, Digit Private Car Advantage Plus, which the prospectus does not describe.","quote":"Digit Private Car Consumable Cover ... Digit Private Car Parts Depreciation Protect ... Digit Private Car Engine and Gear Box Protect ... Digit Private Car Tyre Protect ... Digit Private Car Daily Conveyance Benefit ... Digit Private Car Key & Lock Protect ... Digit Private Car Loss to Personal Belongings ... Digit Private Car Pay As You Drive ... Digit Private Car Breakdown Assistance ... Digit Private Car Return To Invoice ... Digit Private Car Preferred Garage Discount ... Digit Private Car Ev Shield ... Digit Private Car NCB Protector ... Digit Private Car Accidental Hospitalization Cover ... Digit Private Car Daily Hospital cash cover ... Digit Private Car Good Driver Benefit ... 17 | Digit Private Car Advantage Plus","sources":[{"clause":null,"heading":"What do I do in case of any grievance?","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/28#c-what-do-i-do-in-case-of-any-grievance"},{"clause":"Row 17","heading":"Digit Private Car Advantage Plus","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/29#c-row-17"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Yes. Repairs at a Digit network garage are cashless; at other garages you pay and claim reimbursement.","display":"Yes, at network garages (6000+ garages)","note":"CIS only.","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 ... In reimbursement claims, You pay for the repairs and then submit a claim to us to get reimbursed for the expenses related to accident.","sources":[{"clause":"Row 17","heading":"Digit Private Car Advantage Plus","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/29#c-row-17"}],"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","Use otherwise than in accordance with the Limitations as to Use","Driver other than as stated in the Driver's Clause","Wear and tear, depreciation, mechanical or electrical breakdown, failures or breakages","Consequential loss","Damage to tyres and tubes unless the vehicle is damaged at the same time (then 50% of replacement cost)","Owner-driver PA: intentional self-injury, suicide, physical defect or infirmity","Loss outside the geographical area stated in the schedule","Driving without a valid document (CIS)","Damage which is not a direct result of an accident (CIS)","Pre-existing damages (CIS)"],"display":"Drunk driving, use outside Limitations as to Use, unauthorised driver, wear and tear and breakdown, consequential loss, tyre-only damage","note":"The CIS also lists wilful negligence, fraud, and cause of loss not matching damages as reasons a claim may be rejected. Owner-driver PA must hold an effective driving licence.","quote":"c) Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... a) being used otherwise than in accordance with the “Limitations as to Use” or ... b) 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. ... a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... b) 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 ... a) Intentional self-injury suicide or attempted suicide physical defect or infirmity ... Any accidental loss damage and/or liability caused sustained or incurred outside the geographical area stated in the schedule. ... Driving without a valid document ... Damage which is not a direct result of an accident ... If claim is reported for pre-existing damages","sources":[{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-5-c"},{"clause":"3(I)(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-3-i-a"},{"clause":"3(I)(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-3-i-b"},{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-5-b"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-2-2"},{"clause":null,"heading":"GENERAL EXCEPTIONS (Applicable to all Sections of the Policy)","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"Row 17","heading":"Digit Private Car Advantage Plus","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/29#c-row-17"}],"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":"The Insured's Declared Value (IDV) is the sum insured, fixed at the start of each policy period from the manufacturer's listed selling price of the brand and model, adjusted for age-wise depreciation.","display":"Insured's Declared Value (IDV): manufacturer's listed selling price adjusted for depreciation","note":"For vehicles over 5 years old or obsolete models, IDV is agreed between the company and the insured. CIS says the customer may change the IDV within product 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","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27#c-5-c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Private Car Policy - IRDAN158RP0005V01201718","pages":8,"fetched_at":"2026-10-16 04:47:49.468821+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/car/policy-wording-digit-private-car-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/27"},{"kind":"prospectus","label":"Prospectus - Digit Private Car Policy - IRDAN158RP0005V01201718","pages":28,"fetched_at":"2026-10-16 04:47:51.543171+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/car/prospectus-digit-private-car-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/28"},{"kind":"cis","label":"CIS - Digit Private Car Policy - IRDAN158RP0005V01201718","pages":4,"fetched_at":"2026-10-16 04:47:52.709503+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/car/cis-digit-private-car-package-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718/document/29"}],"versions":[{"uin":"IRDAN158P0005V01201718","version":null,"approved_on":null},{"uin":"IRDAN158RP0005V01201718","version":null,"approved_on":null}],"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 Policy (UIN IRDAN158RP0005V01201718), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-private-car-policy-irdan158rp0005v01201718"}