{"uin":"IRDAN158RPMT0003V01202627","name":"Digit Car Insurance","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Car Insurance is a private car policy from Go Digit General Insurance with own damage, third-party liability, owner-driver personal accident, residual value and extended warranty sections plus 39 optional covers. Own damage can run up to 3 years under three plans (Comprehensive, Comprehensive Pro, Comprehensive Promax), and NCB runs from 20% to 50%.","analysis":{"state":"extracted","analysed_at":"2026-10-16 06:29:34.787725+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":"cross-checked","value":["Plan A: Comprehensive","Plan B: Comprehensive Pro","Plan C: Comprehensive Promax"],"display":"Plan A: Comprehensive; Plan B: Comprehensive Pro; Plan C: Comprehensive Promax","note":"These are the plans under Section I (own damage). Plan B treats radiator, wiring harness, sensors/parking camera and ECM as metal parts for depreciation; Plan C adds consumables and/or a partial depreciation waiver as stated in the schedule. Section V (Extended Warranty) and several optional covers have their own plans.","quote":"I) Plan A: Comprehensive Coverage shall be provided strictly in accordance with the standard terms, conditions, coverages, exclusions, and depreciation provisions as specified under Section I of this Policy. ... II) Plan B: Comprehensive Pro In addition to the coverage available under Plan A: Comprehensive, it is hereby agreed that, under this Plan, components such as radiator, wiring harness, sensors/parking camera, and Engine Control Module (ECM) of the insured vehicle shall be treated as metal parts for the purpose of depreciation ... III) Plan C: Comprehensive Promax In addition to the coverage available under Plan B: Comprehensive Pro, it is hereby agreed that the scope of coverage under this plan will be extended to include coverage for consumables and/or partial waiver of applicable depreciation","sources":[{"clause":"5(I)","heading":"Plan A","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-i"},{"clause":"5(II)","heading":"Plan B","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-ii"},{"clause":"5(III)","heading":"Plan C","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-iii"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"Own damage (Section I) can be bought for any period up to 3 years; third-party liability (Section II) and owner-driver PA (Section III) for 1, 2 or 3 years. Optional covers run up to 3 years.","display":"Own damage up to 3 years; third-party 1, 2 or 3 years","note":"From the prospectus. Residual Value Insurance (Section IV) can run up to 7 years and Extended Warranty (Section V) up to 10 years. The own damage section must not expire after the third-party cover of the same vehicle.","quote":"Section I: Loss of or Damage to the Vehicle Insured (Own Damage Cover) | This section can be opted for any period upto 3 years. However, the expiry date of Own Damage section should not be beyond Liability to Third Parties insurance of the same motor vehicle. ... Section II: Liability to Third Parties (Third Party Liability Cover) | This section can be opted for either 1 Year or 2 Years or 3 Years. ... Section III: Personal Accident Cover for Owner- Driver | This section can be opted for either 1 year or 2 years or 3 years. ... Section IV: Residual Value Insurance | This section can be opted for a maximum of 7 years ... Section V: Extended Warranty Cover | This cover can be opted for a maximum of 10 years ... Optional Covers under the Product: | The policy term of the respective opted optional cover can be upto 3 years.","sources":[{"clause":null,"heading":"What will be policy period provided under the product?","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/73#c-what-will-be-policy-period-provided-under-the-pr"}],"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":"Immediately on the occurrence of any accidental loss or damage, in writing; in case of theft or a criminal act the police must also be told immediately.","display":"Immediately, in writing","note":"Some optional covers set their own limits: Zero Depreciation and Consumable covers exclude claims notified after 30 days (delay may be condoned); Accidental Hospitalization and Daily Hospital Cash covers need intimation within 48 hours of admission; Engine and Gear Box Protect, Electric Shield, Key & Lock, Rim and Personal Belongings covers use 3 days.","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 ... Any claim which is notified after 30 days of the happening of the loss or damage ... We should be intimated immediately and in any event within 48 hours of date of admission in hospital. ... Any claim which is notified after 3 days of the happening of the loss or damage","sources":[{"clause":"1","heading":null,"page":68,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-1-7"},{"clause":null,"heading":"EXCLUSIONS SPECIFIC TO ZERO DEPRECIATION COVER","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-exclusions-specific-to-zero-depreciation-cover"},{"clause":null,"heading":"CLAIM PROCESS SPECIFIC TO ACCIDENTAL HOSPITALIZATION COVER","page":39,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-claim-process-specific-to-accidental-hospitaliza"},{"clause":null,"heading":"EXCLUSIONS SPECIFIC TO ENGINE AND GEAR BOX PROTECT","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-exclusions-specific-to-engine-and-gear-box-prote"}],"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":["Duly completed claim form","NEFT details or cancelled cheque","Policy copy","ID proof (KYC) of insured and nominee","Address proof wherever applicable","Video/pictures of damaged vehicle and damaged parts replaced","Driving licence","Survey report, vehicle repair order, vehicle delivery order","Bill copy","Statement of insured/driver/occupants/witness","Quotes of salvage, if applicable","Court order/summons (third-party claims)","Death certificate (if applicable)","Postmortem report (if conducted)","Attested copy of MLC/FIR (if applicable)","For total theft: registration certificate, Form 35, NOC, subrogation, indemnity bond, original keys and non traceable report"],"display":"Claim form, policy copy, KYC, bank details, photos of damage, driving licence, survey report, bills, FIR where applicable","note":"The wording lists further documents for medical, disability and death claims under the optional covers (discharge summary, hospital bills, disability certificate, viscera report and others). Theft documents are from the CIS.","quote":"In addition to the Duly Completed Claim Form signed by the Insured/Insured’s Nominee/Legal Heir & NEFT, Policy Copy, Details or Cancelled Cheque of the Insured/Insured’s Nominee/Legal Heir, ID proof (KYC document) of insured and Nominee, address proof wherever applicable ... a) Video/pictures of damaged vehicle, damaged parts replaced ... b) Driving License ... c) Survey Report, vehicle repair order, vehicle delivery order ... d) Bill Copy ... e) Statement of insured/driver/occupants/ witness ... f) Quotes of salvage, if applicable ... h) Court order/summons (For Third Party Liability Claims) ... w) Death Certificate (if applicable) ... x) Postmortem Reports (if conducted) ... z) Attested copy of MLC/FIR Reports (If applicable) ... 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":"6","heading":"List of Claim Documents","page":69,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-6-4"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/74#c-4"}],"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":"Pointer only: the wording says the Company shall settle or reject a claim 'within stipulated timelines as per prevailing regulations', with interest if late (not for third-party claims). The CIS says the TAT 'will depend on the nature of claim and availability of part at the garage'. Some optional covers give their own times (for example Daily Hospital Cash: 15 days from submission after an investigation; Uninsured/Unidentified Vehicle cover: 30 days from the untraced report or 6 months from the last document).","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Loss outside the Policy Period or outside the geographical area stated in the schedule","Contractual liability","Use otherwise than in accordance with the 'Limitations as to Use'","Driven by a person other than a Driver as stated in the Driver's Clause","Consequential loss","Nuclear radiation, radioactive contamination and nuclear weapons material","War, invasion, civil war, mutiny, rebellion (unless War Risk Cover is opted)","Fraudulent act by the insured, owner, driver, dealer or authorised representative","Loss or damage that occurred before the policy started","Accident while under the influence of intoxicating liquor or drugs","Normal wear and tear or gradual deterioration","Unproven or unexplained losses","Depreciation, mechanical or electrical breakdown, failures or breakages (own damage)","Damage to tyres and tubes unless the vehicle is damaged at the same time (then 50% of replacement cost)"],"display":"Loss outside the policy period or area, contractual liability, use outside 'Limitations as to Use', driver not as per the Driver's Clause, consequential loss, nuclear, war, fraud, pre-policy damage, drink or drugs, wear and tear, breakdown, unexplained losses, tyres unless the car is also damaged","note":"General exclusions apply to all sections; the last two items are specific to Section I (own damage). Any other exclusions in the Policy Schedule also apply. Each optional cover has its own exclusions.","quote":"Any accidental loss damage and/or liability caused sustained or incurred outside the Policy Period and / or outside the geographical area stated in the schedule. ... 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. ... or any consequential loss ... contamination by radioactivity from any nuclear fuel ... arising from nuclear weapons material. ... war (whether declared or not), 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 ... However, this exclusion shall not apply to the extent of the coverage provided under “Optional Cover 38 – War Risk Cover”, if opted by You under the Policy. ... 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. ... Any loss or damage occurred prior to inception of the Policy. ... An accident happening whilst such person is under the influence of intoxicating liquor or drugs. ... Normal wear and tear or gradual deterioration. ... Any unproven or unexplained losses. ... 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; and","sources":[{"clause":"1","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-1-6"},{"clause":"2","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-2-5"},{"clause":"3","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-3-5"},{"clause":"4","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-4-5"},{"clause":"5","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-5"},{"clause":"6","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-6-3"},{"clause":"7","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-7-3"},{"clause":"8","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-8-3"},{"clause":"9","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-9-3"},{"clause":"10","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-10-3"},{"clause":"11","heading":null,"page":68,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-11-3"},{"clause":"5(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-a"},{"clause":"5(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-b"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"Call the 24x7 toll free number 1800-258-5956 or email hello@godigit.com (grievance officer: grievance@godigit.com); complaints can also be registered on IRDAI's Bima Bharosa portal. If not satisfied, approach the Insurance Ombudsman.","display":"Digit customer service 1800-258-5956 / hello@godigit.com, then grievance@godigit.com, then Ombudsman","note":"The CIS adds seniors@godigit.com for senior citizens and names grievance@godigit.com as the grievance officer.","quote":"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 ... You can also register the complaint on-line at IRDAl's Bima Bharosa by visiting https://bimabharosa.irdai.gov.in/ ... 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 ... Senior citizens can now contact us on 1800-258-5956 or write to us at seniors@godigit.com.","sources":[{"clause":"15(i)","heading":null,"page":72,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-15-i"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/74#c-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":"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","Transit by road, rail, inland waterway, lift, elevator or air","Landslide, rockslide","Third-party liability for death or bodily injury to any person","Third-party liability for damage to property","Personal accident to the owner-driver (death or disablement)"],"display":"Own damage from fire, theft, riot, natural disasters, accident, malicious act, terrorism, transit, landslide; third-party liability; owner-driver PA","note":"Each section applies only if opted and shown in the Policy Schedule. Sections IV (Residual Value) and V (Extended Warranty) and 39 optional covers can be added.","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 ... the Company undertakes to pay 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":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-section-i"},{"clause":"1(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-1-a"},{"clause":"1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-1-b"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#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 can cancel at any time by informing the insurer. If no claim was made, a policy of up to one year gets a proportionate refund for the unexpired period; a long-term policy gets back the premium for the unexpired policy years whose cover has not started.","display":"Pro-rata refund for the unexpired period, if no claim made","note":"Third-party liability cover cannot be cancelled except for double insurance or total loss, and only after proof the vehicle is insured elsewhere and the original Certificate of Insurance is surrendered.","quote":"b) Cancellation by Insured: Policy may be cancelled at the option of the insured at any time during the term, by informing Us. In such a case we shall make refund as per following, provided there is no claim(s) made during the policy period ... i) In case of Policy is Upto One Year: refund proportion premium for unexpired policy period, ... ii) In case of Long-Term Policy (Term More than One Year): 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. ... a) Under no circumstances statutory Motor Third Party Liability insurance or any other compulsory insurance mandated by law can be cancelled (if opted under the policy), except in case of double insurance or total loss.","sources":[{"clause":"5","heading":"CANCELLATION","page":68,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-6"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"Pointer only: the general exclusions refer to loss 'outside the geographical area stated in the schedule'. The Legal Assistance optional cover is available in the Territory of India and Accidental Hospitalization claims can be made at any hospital within India, but no area is printed for the main cover.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"cross-checked","value":["Own damage (Section I) and third-party (Section II) together, with any other sections opted; Section I plans: Comprehensive, Comprehensive Pro, Comprehensive Promax","Third-Party Liability Only Policy (Section II alone)","Own damage section (Section I) whose expiry must not be beyond the third-party cover of the same vehicle"],"display":"Own damage with third-party, third-party only, or own damage (Section I plans: Comprehensive, Comprehensive Pro, Comprehensive Promax)","note":"The documents do not use the term 'standalone own damage', but the prospectus lets each section be opted separately and says the own damage section must not expire after the third-party cover of the same vehicle. 'Comprehensive' is the name of Plan A of the own damage section, not a bundle of own damage and third-party.","quote":"You can opt for any of the sections or optional cover as per your requirement: ... • Section I: Loss of or Damage to the Vehicle Insured ... • Section II: Liability to Third Parties ... In case the policy issued only has this section (ie. Section II. Liability to Third Parties) and does not have Own Damage Section ie. Section I- Loss of or Damage to the Vehicle Insured, then the Policy will act as Third-Party Liability Only Policy ... I) Plan A: Comprehensive ... II) Plan B: Comprehensive Pro ... III) Plan C: Comprehensive Promax ... the expiry date of Own Damage section should not be beyond Liability to Third Parties insurance of the same motor vehicle.","sources":[{"clause":null,"heading":"Product Introduction","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/73#c-product-introduction"},{"clause":"1(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-1-a"},{"clause":"5(I)","heading":"Plan A","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-i"},{"clause":"5(II)","heading":"Plan B","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-ii"},{"clause":"5(III)","heading":"Plan C","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-iii"},{"clause":null,"heading":"What will be policy period provided under the product?","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/73#c-what-will-be-policy-period-provided-under-the-pr"}],"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 legal liability for death of or bodily injury to any person (no limit) and for damage to third-party property (up to the limit in the schedule), with costs and expenses incurred with the insurer's written consent.","display":"Death/injury: no limit; property damage up to the limit in the schedule","note":"The property damage limit is left blank in the CIS and is set in the schedule. The 'No Limit' wording is from the CIS. Third-party claims are settled through the Motor Accident Claims Tribunal.","quote":"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 Property Damage- Upto INR_____ ... For Third Party Death / bodily injury – No Limit (Motor Accidents Claim Tribunal decides the third-party insurance death claim amount based on the available documentation) ... Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured ... The Company will pay all costs and expenses incurred with its written consent.","sources":[{"clause":"1(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-1-a"},{"clause":"1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-1-b"},{"clause":null,"heading":"For Section II - Liability to Third Parties","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/74#c-for-section-ii-liability-to-third-parties"},{"clause":"1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-1-2"},{"clause":"2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-2-2"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"cross-checked","value":"The IDV is the sum insured. It is fixed at the start of each policy year from the manufacturer's listed selling price less age-based depreciation (5% up to 6 months rising to 50% for 4 to 5 years); for cars over 5 years old or obsolete models it is agreed between insurer and insured. For total loss or theft the IDV (less the value of the wreck) is the maximum paid; a car is a constructive total loss when repair costs exceed 75% of IDV.","display":"Sum insured; maximum paid for theft or total loss","note":"The CIS adds that the customer may change the IDV within the product's parameters and that in case of theft or total loss the IDV on the schedule is the maximum claim amount. Good Driver Benefit (optional) can raise IDV by up to 15% without extra premium.","quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy ... 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 (as per schedule below). ... 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. ... exceeds 75% of the IDV of the vehicle. ... a) 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. ... However, we allow the customer to change the IDV depending on Product’s parameter. Ultimate IDV for the Policy shall be as chosen by the Customer. In case of any theft or Total loss/Constructive total loss, IDV mentioned on the Policy schedule shall be the maximum claim amount payable under the policy. ... IDV Booster: Increase in the calculated IDV of the Insured vehicle subject to maximum upto 15%, without charging any additional premium for additional increased IDV.","sources":[{"clause":"5(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-c-2"},{"clause":null,"heading":"The Schedule of Depreciation for Fixing IDV of the Vehicle","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-the-schedule-of-depreciation-for-fixing-idv-of-t"},{"clause":"3","heading":null,"page":68,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-3-6"},{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/74#c-row-5"},{"clause":"12(b)","heading":"IDV Booster","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-12-b"}],"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 parts replaced: 50% on rubber/nylon/plastic parts, tyres, tubes, batteries and air bags; 30% on fibre glass; nil on glass; 50% on the material cost of painting. Other (metal) parts by vehicle 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% beyond 10 years.","display":"Plastic/rubber 50%, fibre glass 30%, glass nil, metal parts nil to 50% by age","note":"For a consolidated painting bill, material is taken as 25% of painting charges. Plan B (Comprehensive Pro) treats radiator, wiring harness, sensors/parking camera and ECM as metal parts; Plan C adds a partial depreciation waiver. The Zero Depreciation optional cover (6 plans) can remove 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. ... Not Exceeding 6 months | Nil ... Exceeding 6 months but not exceeding 1 year | 5% ... Exceeding 1 year but not exceeding 2 years | 10% ... Exceeding 2 years but not exceeding 3 years | 15% ... Exceeding 3 years but not exceeding 4 years | 25% ... Exceeding 4 years but not exceeding 5 years | 35% ... Exceeding 5 years but not exceeding 10 years | 40% ... Exceeding 10 years | 50% ... components such as radiator, wiring harness, sensors/parking camera, and Engine Control Module (ECM) of the insured vehicle shall be treated as metal parts for the purpose of depreciation ... coverage for consumables and/or partial waiver of applicable depreciation ... In case of a consolidated bill for painting charges, the material component shall be considered as 25% of the total painting charges for the purpose of applying the depreciation.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-section-i"},{"clause":"4","heading":"Rate of Depreciation for Painting","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-4-2"},{"clause":"5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-2"},{"clause":"5(II)","heading":"Plan B","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-ii"},{"clause":"5(III)","heading":"Plan C","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-iii"}],"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":"NCB on the own damage premium for claim-free years: 20% after 1 year, 25% after 2, 35% after 3, 45% after 4 and 50% after 5 consecutive years. Allowed only if renewed within 90 days of expiry; not given on policies shorter than 1 year.","display":"20% to 50% of OD premium","note":"Long-term (2 or 3 year) OD covers follow a separate revised NCB table. Optional covers NCB Protector, NCB Shield and NCB Scaler (up to 70% or 90%) change NCB rules. For military personnel in forward areas the 90 days may be extended to 365 days.","quote":"No claim made or pending during the preceding full year of insurance | 20% ... No claim made or pending during the preceding 2 consecutive years of insurance | 25% ... No claim made or pending during the preceding 3 consecutive years of insurance | 35% ... No claim made or pending during the preceding 4 consecutive years of insurance | 45% ... No claim made or pending during the preceding 5 consecutive years of insurance | 50% ... No Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy. ... NCB will not be provided in case of short-term policies (i.e. less than 1 year). ... However, in the case of Military or Para military Personnel working in Forward Areas, the period of 90 days may be extended up to 365 days","sources":[{"clause":"Annexure I(a)","heading":null,"page":74,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-annexure-i-a"},{"clause":null,"heading":"NO CLAIM BONUS (NCB)","page":72,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-no-claim-bonus-ncb"},{"clause":null,"heading":"NCB SCALE","page":74,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-ncb-scale"}],"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":"Pointer only: a compulsory deductible applies to each own damage claim 'in respect of the deductible stated in the schedule'; the CIS describes it as a % of each claim subject to a minimum amount in the Policy Schedule and leaves the amount blank ('RS ____'). The CIS sample claim calculation shows Rs 2,000 for illustration only. It can be waived by Optional Cover 39 or Advantage Plus.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"cross-checked","value":"None unless opted: the insured may opt for a voluntary deductible on the own damage section, in addition to the compulsory deductible, as a % of each claim stated in the Policy Schedule.","display":"None unless opted","note":"The amount of the voluntary deductible is not printed; it is set in the Policy Schedule. Waiver of Compulsory Deductible (Optional Cover 39) does not waive a voluntary deductible.","quote":"In addition to the compulsory deductible, insured may also opt for voluntary deductible. ... Voluntary Deductible applicable to Section 1- Own Damage Section (applicable only if opted) Deductible % of each claim, as mentioned in Policy Schedule.","sources":[{"clause":null,"heading":"DEDUCTIBLE","page":68,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-deductible"},{"clause":null,"heading":"Optional Cover 36: Liquid Damage And Infotainment Protect Cover (LDIP)","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/74#c-optional-cover-36-liquid-damage-and-infotainment"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"cross-checked","value":"Section III (if opted) pays the owner-driver, up to the sum insured in the schedule: 100% for death, loss of two limbs or two eyes, or permanent total disablement, and 50% for loss of one limb or one eye, where injury results within six calendar months. The owner-driver must be the registered owner, the named insured and hold an effective driving licence.","display":"Yes, Section III: 100% of sum insured for death","note":"The sum insured is not printed (the CIS shows 'INR XXXX'). No compensation for intentional self-injury, suicide or accidents under the influence of liquor or drugs. The term can be 1, 2 or 3 years.","quote":"Section III PERSONAL ACCIDENT COVER FOR OWNER-DRIVER ... If You have opted this section, the Company undertakes to pay compensation as per the following scale for bodily injury/death sustained by the owner-driver of the vehicle ... within six calendar months of such injury result in: ... 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 insured mentioned in the Policy Schedule against this Section ... i) The owner-driver is the registered owner of the vehicle insured herein; ... ii) The owner-driver is the insured named in this policy. ... iii) The owner-driver holds an effective driving license ... a) Intentional self-injury suicide or attempted suicide physical defect or infirmity or ... b) An accident happening whilst such person is under the influence of intoxicating liquor or drugs. ... Section III: Personal Accident Cover for Owner- Driver | This section can be opted for either 1 year or 2 years or 3 years. ... Section III Personal Accident Cover for Owner-Driver – INR XXXX","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-section-iii"},{"clause":"1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-1-3"},{"clause":"3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-3-3"},{"clause":"2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-2-3"},{"clause":null,"heading":"What will be policy period provided under the product?","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/73#c-what-will-be-policy-period-provided-under-the-pr"},{"clause":null,"heading":"For Section II - Liability to Third Parties","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/74#c-for-section-ii-liability-to-third-parties"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"cross-checked","value":["Consumable Cover","Zero Depreciation Cover","Engine and Gearbox Protect","Breakdown Assistance","Return To Invoice","New Vehicle Replacement","Key & Lock Protect","Tyre Protect","Rim Protect","Preferred Garage Discount","Pay as You Drive","Good driver benefit","Electric shield","EV Charger Cover","Loss to personal belongings","NCB protector","NCB shield","NCB scaler","Accidental Hospitalization Cover","Daily Hospital Cash Cover","Daily Conveyance Benefit","Loss of Revenue","Additional Towing Expenses","Vehicle EMI Protection Cover","EMI Guard Cover","Vehicle EMI-Accidental Hospitalization","Vehicle Loan Shield","Legal Assistance Cover","Advantage Plus","Fuel Adulteration","Personal Accident cover for Passengers","Named Driver Benefit","Road Accident Cover involving Uninsured or Unidentified Vehicle","Vehicle Cyber Risk Cover","Paint Protection Film Cover","Liquid Damage and Infotainment Protect Cover (LDIP)","Advance Systems Damage Cover","War Risk Cover","Waiver of Compulsory Deductible"],"display":"39 optional covers, including zero depreciation, engine protect, return to invoice, breakdown assistance, consumables","note":"Called 'optional covers' in the documents; the CIS row 'Add-on Cover' says 'Not Applicable'. Return to Invoice and New Vehicle Replacement cannot both be taken, nor Vehicle EMI Protection and EMI Guard. Sections IV (Residual Value Insurance) and V (Extended Warranty Cover) are also optional sections.","quote":"There are 39 optional covers which insured can opt from: ... • Optional Cover 1: Consumable Cover ... • Optional Cover 2: Zero Depreciation Cover ... • Optional Cover 3: Engine and Gearbox Protect ... • Optional Cover 4: Breakdown Assistance ... • Optional Cover 5: Return To Invoice ... • Optional Cover 6: New Vehicle Replacement ... • Optional Cover 7: Key & Lock Protect ... • Optional Cover 8: Tyre Protect ... • Optional Cover 9: Rim Protect ... • Optional Cover 10: Preferred Garage Discount ... • Optional Cover 11: Pay as You Drive ... • Optional Cover 12: Good driver benefit ... • Optional Cover 13: Electric shield ... • Optional Cover 14: EV Charger Cover ... • Optional Cover 15: Loss to personal belongings ... • Optional Cover 16: NCB protector ... • Optional Cover 17: NCB shield ... • Optional Cover 18: NCB scaler ... • Optional Cover 19: Accidental Hospitalization Cover ... • Optional Cover 20: Daily Hospital Cash Cover ... • Optional Cover 21: Daily Conveyance Benefit ... • Optional Cover 22: Loss of Revenue ... • Optional Cover 23: Additional Towing Expenses ... • Optional Cover 24: Vehicle EMI Protection Cover ... • Optional Cover 25: EMI Guard Cover ... • Optional Cover 26: Vehicle EMI-Accidental Hospitalization ... • Optional Cover 27: Vehicle Loan Shield ... • Optional Cover 28: Legal Assistance Cover ... • Optional Cover 29: Advantage Plus ... • Optional Cover 30: Fuel Adulteration ... • Optional Cover 31: Personal Accident cover for Passengers ... • Optional Cover 32: Named Driver Benefit ... • Optional Cover 33: Road Accident Cover involving Uninsured or Unidentified Vehicle ... • Optional Cover 34: Vehicle Cyber Risk Cover ... • Optional Cover 35: Paint Protection Film Cover ... • Optional Cover 36: Liquid Damage and Infotainment Protect Cover (LDIP) ... • Optional Cover 37: Advance Systems Damage Cover ... • Optional Cover 38: War Risk Cover ... • Optional Cover 39: Waiver of Compulsory Deductible","sources":[{"clause":null,"heading":"Product Introduction","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/73#c-product-introduction"},{"clause":null,"heading":"Digit Car Insurance – Prospectus (UIN: IRDAN158RPMT0003V01202627) Page 1 of 69","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/73#c-digit-car-insurance-prospectus-uin-irdan158rpmt0-2"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"cross-checked","value":"Yes. Cashless repair is available at the insurer's network garages (6000+ across the country); at other garages you pay and claim reimbursement.","display":"Yes, at network garages (6000+)","note":"From the CIS. Several optional covers (Zero Depreciation, Consumable, Engine Protect, EMI covers) need repair at a Digit Authorized Repair Shop or carry an extra 20% co-payment.","quote":"In cashless claims, You need not to pay anything from Your pocket if You have selected our network garage for the repair of the accidental vehicle. - We have 6000+ garages across the country ... If You want to repair Your accidental vehicle at Your desired garage and it is not a part of our network garage then You can submit the bill to us and apply for reimbursement","sources":[{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/74#c-4"}],"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":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement","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","being used otherwise than in accordance with the “Limitations as to Use”","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","Normal wear and tear or gradual deterioration","Any loss or damage occurred prior to inception of the Policy","Driving without a valid driving license","Damage due to wilful negligence"],"display":"Wear and tear and breakdown, consequential loss, tyres unless the vehicle is also damaged, drink or drugs, use outside limitations, unauthorised driver, pre-existing damage, no valid licence, wilful negligence","note":"Exclusions (a) to (c) are specific to Section I (own damage); tyre damage with vehicle damage is paid at 50% of replacement cost. 'Driving without a valid driving license' and 'Damage due to wilful negligence' are listed in the CIS among situations where a claim might be rejected. War and nuclear risks are general exclusions (see exclusions_main).","quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages ... Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement ... 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 ... being used otherwise than in accordance with the “Limitations as to Use” ... 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 ... Normal wear and tear or gradual deterioration ... Any loss or damage occurred prior to inception of the Policy ... Driving without a valid driving license ... Damage due to wilful negligence","sources":[{"clause":"5(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-a"},{"clause":"5(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-b"},{"clause":"5(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-c"},{"clause":"3","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-3-5"},{"clause":"10","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-10-3"},{"clause":"8","heading":null,"page":67,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-8-3"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/74#c-4"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"cross-checked","value":"Insured's Declared Value (IDV): the manufacturer's listed selling price of the brand and model, adjusted for age-based depreciation, fixed at the start of each policy year; for cars over 5 years or obsolete models, agreed between insurer and insured.","display":"IDV (manufacturer's listed price less depreciation)","note":"For total loss or constructive total loss claims the IDV is treated as the Market Value throughout the policy period without further depreciation. Zero Depreciation, Return to Invoice and New Vehicle Replacement optional covers are on a new-for-old basis per the CIS.","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 for each year of the Policy Term at the commencement of the contract for the insured vehicle and shown on the Policy Schedule. ... 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 (as per schedule below). ... 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. ... IDV shall be treated as the “Market Value” throughout the policy period without any further depreciation for the purpose of Total Loss (TL)/Constructive Total Loss (CTL) claims. ... New for Old Basis: Optional Cover 2: Zero Depreciation Cover Optional Cover 5: Return to Invoice Optional Cover 6: New Vehicle Replacement","sources":[{"clause":"5(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-5-c-2"},{"clause":null,"heading":"The Schedule of Depreciation for Fixing IDV of the Vehicle","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72#c-the-schedule-of-depreciation-for-fixing-idv-of-t"},{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/74#c-row-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wording - Digit Car Insurance - IRDAN158RPMT0003V01202627","pages":75,"fetched_at":"2026-10-16 06:29:34.388361+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/car/policy-wording-digit-car-insurance.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/72"},{"kind":"prospectus","label":"Prospectus - Digit Car Insurance - IRDAN158RPMT0003V01202627","pages":69,"fetched_at":"2026-10-16 06:29:34.388361+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/car/prospectus-of-digit-car-insurance.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/73"},{"kind":"cis","label":"CIS - Digit Car Insurance - IRDAN158RPMT0003V01202627","pages":5,"fetched_at":"2026-10-16 06:29:34.388361+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/car/cis-of-digit-car-insurance.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627/document/74"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Digit Car Insurance (UIN IRDAN158RPMT0003V01202627), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-car-insurance-irdan158rpmt0003v01202627"}