{"uin":"IRDAN158RPMS0006V01202526","name":"Digit Extra Secure Cover","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526","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-addon","category_name":"Motor add-ons","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Extra Secure Cover is an indemnity product for vehicle-related opted sections such as motor extended warranty, breakdown assistance, tyre, rim, key, engine, EV, cyber and residual value covers. Cover is within India unless specifically agreed and mentioned in the policy schedule.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:21:06.62898+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"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":"The wording points to the Policy Schedule/Certificate of Insurance and the prospectus says the policy may be offered on a long-term basis, but no fixed policy term is stated.","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":"quote-verified","value":"General claims must be notified immediately and the completed claim form with supporting documents delivered within 7 days. Hospitalisation claims under Sections 4 and 5 must be intimated immediately and in any event within 48 hours of admission, with claim documents submitted within 15 days from discharge.","display":"General: immediately; claim form within 7 days. Hospitalisation: within 48 hours of admission and documents within 15 days of discharge.","note":"Some sections have specific shorter deadlines, such as 12 hours for Legal Assistance road accident reporting, 24 hours for Additional Towing Expenses and Fuel Adulteration, 72 hours for EV home charging station, and 3 days for Personal Belongings, Key & Lock, Engine/Gear Box and EV Shield claims.","quote":"a) The Insured must simultaneously notify Us while registering the claim under the Vehicle Insurance policy for accidental damage to the Vehicle (if applicable). ... c) the Insured shall within 7 days deliver to the Company its completed claim form detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company ... We should be intimated immediately and in any event within 48 hours of date of admission in hospital.\n2. In any event within 15 days from the date of discharge from hospital, submit all claim documents to Us.","sources":[{"clause":null,"heading":"4. Duties and Obligations after Occurrence of an Insured Event","page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-4-duties-and-obligations-after-occurrence-of-an"},{"clause":null,"heading":"Claim Process Specific to section 4","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-claim-process-specific-to-section-4"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Driving License","Duly filed and Signed Claim Form, video/pictures of damaged vehicle","Photos of damaged parts replaced","Policy Copy","Survey Report, vehicle repair order, vehicle delivery order","Odometer reading (where applicable)","Bill Copy","Statement of insured/driver/occupants","Discharge Summary (Wherever Applicable)","Original Hospital Main Bill Wherever Applicable)","Original Hospital Bill Breakup of Various Expenses (Wherever Applicable)Original Pharmacy Bills (Wherever Applicable)","Prescription for the Medicine Purchased (Except Hospital Supply) and investigation done outside the hospital","Investigation Reports (Wherever Applicable)","MLC/FIR Reports (If applicable)","Postmortem Reports (Wherever Applicable)","Death Certificate (Wherever Applicable)","Service maintenance records of the vehicle (wherever applicable)","AML and KYC (Photo ID card)","Bank Details with Cancelled Cheque","Any other document required on case-to-case basis"],"display":"Driving License; signed claim form and photos/videos; policy copy; survey/repair/delivery documents; bills; statements; medical and hospital papers where applicable; FIR/MLC where applicable; KYC and bank details; other case-specific documents.","note":"The document list is case-dependent and includes items marked wherever applicable, optional, or case-to-case.","quote":"a) Driving License\nb) Duly filed and Signed Claim Form, video/pictures of damaged vehicle (if claim is for Accidental Hospitalization and Daily hospital cash cover kindly refer the respective claim form)\nc) Photos of damaged parts replaced\nd) Policy Copy ... g) Survey Report, vehicle repair order, vehicle delivery order\nh) Odometer reading (where applicable)\ni) Bill Copy\nj) Statement of insured/driver/occupants\nk) Discharge Summary (Wherever Applicable)\nl) Original Hospital Main Bill Wherever Applicable) ... q) Investigation Reports (Wherever Applicable)\nr) Digital Images/CDs of the investigation Procedures ((Wherever Applicable)\ns) MLC/FIR Reports (If applicable) ... u) Postmortem Reports (Wherever Applicable)\nv) Attending Physician Certificate (Wherever Applicable)\nw) Death Certificate (Wherever Applicable)\nx) Service maintenance records of the vehicle (wherever applicable)\ny) AML and KYC (Photo ID card)\nz) Bank Details with Cancelled Cheque ... dd. Any other document required on case-to-case basis","sources":[{"clause":null,"heading":"List of Claim Documents","page":40,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-list-of-claim-documents"}],"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":"quote-verified","value":"For Accidental Hospitalization, where investigation is warranted, the Company will initiate and complete investigation not later than 30 days from receipt of the last necessary document, and then settle or reject the claim as per prevailing guidelines. The general claim process does not state a fixed settlement time beyond referring to specified timelines and prevailing regulatory provisions.","display":"Investigation, where required for hospitalisation claims: not later than 30 days from receipt of last necessary document; settlement or rejection as per prevailing guidelines.","note":"The 30-day statement is in the claim process for Section 4; Section 5 has similar wording. The general claims clause does not print a specific number of days for all other claims.","quote":"However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim as per prevailing guidelines. ... In case the claim is not settled within the specified timelines, then the claimant is entitled for interest as per the rate specified in prevailing regulatory provisions.","sources":[{"clause":"6(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-6-b-3"},{"clause":null,"heading":"List of Claim Documents","page":40,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-list-of-claim-documents"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["If loss is covered under manufacturer warranty, any other maintenance agreement or compensation is payable by any other source.","Any loss or damage caused, sustained or incurred outside the geographical area stated in the schedule.","Any claim arising out of any contractual liability;","Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.","War (whether declared or not), invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage to property by or under the order of any government or public local authority.","Any deductible/excess mentioned in the Policy Schedule/certificate of insurance.","Any claim falling beyond the risk expiry date as shown in the Policy Schedule/ Certificate of Insurance.","Any willful act, neglect, negligence of the Insured or neglect of the periodic maintenance as specified by manufacturer or not carried out at an authorized dealer/service center of the manufacturer.","Continued use of the vehicle in spite of knowing that the defect exists, will make claim void.","Any claim arising out of Fraudulent act committed by the Insured / vehicle owner/ driver of the vehicle / the dealer of the vehicle / Authorized representative of the Insured.","In case the vehicle was being driven by a driver under the influence of drugs, alcohol, or other intoxicating substances at the time of loss","In case the Vehicle was being plied in contravention of the law of land.","Normal wear and tear or gradual deterioration","Any unproven or unexplained losses","The loss claimed or covered under any other type of insurance policy or any other cover."],"display":"Main general exclusions include manufacturer warranty or other insurance, outside geographical area, contractual liability, nuclear and war risks, deductible/excess, expired risk, wilful neglect/negligence or poor maintenance, continued use despite defect, fraud, intoxication, unlawful use, wear and tear, unproven losses, and losses covered elsewhere.","note":"Each opted section also has section-specific exclusions.","quote":"If loss is covered under manufacturer warranty, any other maintenance agreement or compensation is payable by any other source. ... Any loss or damage caused, sustained or incurred outside the geographical area stated in the schedule. ... Any claim arising out of any contractual liability; ... a) Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. ... c) War (whether declared or not), invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage to property by or under the order of any government or public local authority. ... Any deductible/excess mentioned in the Policy Schedule/certificate of insurance. ... Any claim falling beyond the risk expiry date as shown in the Policy Schedule/ Certificate of Insurance. ... Any willful act, neglect, negligence of the Insured or neglect of the periodic maintenance as specified by manufacturer or not carried out at an authorized dealer/service center of the manufacturer. ... Continued use of the vehicle in spite of knowing that the defect exists, will make claim void. ... Any claim arising out of Fraudulent act committed by the Insured / vehicle owner/ driver of the vehicle / the dealer of the vehicle / Authorized representative of the Insured. ... In case the vehicle was being driven by a driver under the influence of drugs, alcohol, or other intoxicating substances at the time of loss ... In case the Vehicle was being plied in contravention of the law of land. ... Normal wear and tear or gradual deterioration ... Any unproven or unexplained losses ... The loss claimed or covered under any other type of insurance policy or any other cover.","sources":[{"clause":"1","heading":null,"page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-1-24"},{"clause":"2","heading":null,"page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-2-24"},{"clause":"3","heading":null,"page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-3-21"},{"clause":"4","heading":"Any loss or damage arising out of","page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-4-19"},{"clause":"5","heading":null,"page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-5-17"},{"clause":"6","heading":null,"page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-6-11"},{"clause":"7","heading":null,"page":38,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-7-8"},{"clause":"9","heading":null,"page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-9-6"},{"clause":"10","heading":null,"page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-10-6"},{"clause":"11","heading":null,"page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-11-5"},{"clause":"12","heading":null,"page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-12-5"},{"clause":"14","heading":"Normal wear and tear or gradual deterioration","page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-14-4"},{"clause":"15","heading":"Any unproven or unexplained losses","page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-15-4"},{"clause":"16","heading":null,"page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-16-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First call the 24X7 toll free number 1800-258-5956 or email hello@godigit.com; the grievance email is grievance@godigit.com. If the response is not satisfactory, the policyholder or claimant may approach the Insurance Ombudsman.","display":"Call 1800-258-5956 or email hello@godigit.com; grievance@godigit.com; then Insurance Ombudsman if not satisfied.","note":null,"quote":"if You are not satisfied with Our services and wish to lodge a complaint, please feel free to call Our 24X7 Toll free number 1800-258-5956 or You may email to the customer service desk at hello@godigit.com. After investigating the matter internally and subsequent closure, We will send Our response. Email: grievance@godigit.com ... If You do not get a satisfactory response from Us and You wish to pursue other avenues for redressal of grievances, You may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman Scheme.","sources":[{"clause":"17","heading":"Governing Law","page":42,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-17-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["MOTOR EXTENDED WARRANTY","LEGAL ASSISTANCE COVER","DAILY CONVEYANCE BENEFIT","ACCIDENTAL HOSPITALIZATION COVER","DAILY HOSPITAL CASH COVER","VEHICLE EMI PROTECTION COVER","LOSS OF REVENUE","BREAKDOWN ASSISTANCE","ADDITIONAL TOWING EXPENSES","LOSS TO PERSONAL BELONGINGS","TYRE PROTECT","RIM PROTECT","VEHICLE LOAN SHIELD","KEY & LOCK PROTECT","ENGINE AND GEAR BOX PROTECT","EV HOME CHARGING STATION COVER","JACK PROTECTION COVER","DEBRIS REMOVAL EXPENSES","FUEL ADULTRATION","EV SHIELD","DRIVING ACCESSORIES COVER","PAINT PROTECTION FILM COVER","VEHICLE CYBER RISK COVER","RESIDUAL VALUE INSURANCE","SMART ASSISTANCE SERVICES"],"display":"Opted sections include motor extended warranty, legal assistance, daily conveyance, accidental hospitalisation, daily hospital cash, vehicle EMI, loss of revenue, breakdown assistance, towing, personal belongings, tyre, rim, loan shield, key and lock, engine/gear box, EV charging, jack, debris removal, fuel adulteration, EV shield, driving accessories, PPF, cyber risk, residual value and smart assistance.","note":"Only the sections opted and mentioned in the Policy Schedule/Certificate of Insurance apply.","quote":"SECTION – 1: MOTOR EXTENDED WARRANTY ... SECTION - 2: LEGAL ASSISTANCE COVER ... SECTION – 3: DAILY CONVEYANCE BENEFIT ... SECTION – 4: ACCIDENTAL HOSPITALIZATION COVER ... SECTION – 5: DAILY HOSPITAL CASH COVER ... SECTION – 6: VEHICLE EMI PROTECTION COVER ... SECTION – 7: LOSS OF REVENUE ... SECTION – 8: BREAKDOWN ASSISTANCE ... SECTION - 9: ADDITIONAL TOWING EXPENSES ... SECTION – 10: LOSS TO PERSONAL BELONGINGS ... SECTION – 11: TYRE PROTECT ... SECTION - 12: RIM PROTECT ... SECTION – 13: VEHICLE LOAN SHIELD ... SECTION – 14: KEY & LOCK PROTECT ... SECTION – 15: ENGINE AND GEAR BOX PROTECT ... SECTION – 16: EV HOME CHARGING STATION COVER ... SECTION – 17: JACK PROTECTION COVER ... SECTION – 18: DEBRIS REMOVAL EXPENSES ... SECTION – 19: FUEL ADULTRATION ... SECTION – 20: EV SHIELD ... SECTION – 21: DRIVING ACCESSORIES COVER ... SECTION – 22: PAINT PROTECTION FILM COVER ... SECTION – 23: VEHICLE CYBER RISK COVER ... SECTION – 24: RESIDUAL VALUE INSURANCE ... SECTION – 25: SMART ASSISTANCE SERVICES","sources":[{"clause":null,"heading":"Table of Contents","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-table-of-contents"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If the insured cancels and no claim has been made during the policy period, an annual policy gets a proportionate premium refund for the unexpired policy period. For long-term policies, premium is refunded for the unexpired policy period for policy years where risk coverage has not commenced.","display":"No-claim cancellation by insured: annual policy gets proportionate refund for unexpired period; long-term policy gets refund for unexpired period where risk years have not commenced.","note":null,"quote":"i. Cancellation By The Insured The insurer shall refund the premium if there is no claim(s) made during the policy period -\na) For Annual Policy: refund proportion premium for unexpired policy period, if the term of the policy is upto one year.\nb) For Long Term Policies: refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":null,"heading":"12. Cancellation","page":41,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-12-cancellation"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Coverage is within the territory of India, unless specifically agreed and mentioned in the Policy Schedule/Certificate of Insurance. Payments are within India and in Indian Rupees only.","display":"India, unless specifically agreed and mentioned in the schedule; payment in India in Indian Rupees only.","note":null,"quote":"This policy provides coverage within territory of India, unless specifically agreed and mentioned in the Policy Schedule/ Certificate of Insurance. Company’s liability to make any payment shall be to make payment within India and in Indian Rupees only","sources":[{"clause":null,"heading":"16. Geographical Limits","page":42,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612#c-16-geographical-limits"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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-stated","value":null,"display":null,"note":null,"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"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":"not-stated","value":null,"display":null,"note":"The wording says deductible/excess is as stated in the Policy Schedule/Certificate of Insurance and that a voluntary deductible may be opted, but it does not state an amount in the product wording.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-stated","value":null,"display":null,"note":null,"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"addon_cover","label":"What the add-on pays","section":"Cover","meaning":"What this add-on adds to the base motor policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"addon_limits","label":"Limits on the add-on","section":"Limits and co-pay","meaning":"Number of claims per year, vehicle age limits and other caps.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Extra Secure Cover - IRDAN158RPMS0006V01202526","pages":43,"fetched_at":"2026-10-17 19:39:09+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/policy-wordings-digit-extra-secure-cover.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/612"},{"kind":"prospectus","label":"Prospectus - Digit Extra Secure Cover - IRDAN158RPMS0006V01202526","pages":37,"fetched_at":"2026-10-17 19:38:04+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/prospectus-digit-extra-secure-cover.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/554"},{"kind":"cis","label":"CIS - Digit Extra Secure Cover - IRDAN158RPMS0006V01202526","pages":6,"fetched_at":"2026-10-17 19:39:27+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/cis-digit-extra-secure-cover.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/628"},{"kind":"proposal","label":"Proposal Form - Digit Extra Secure Cover - IRDAN158RPMS0006V01202526","pages":null,"fetched_at":"2026-10-17 19:35:08+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/proposal-form-digit-extra-secure-cover.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526/document/19603"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Digit Extra Secure Cover (UIN IRDAN158RPMS0006V01202526), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-extra-secure-cover-irdan158rpms0006v01202526"}