You seem to be a great driver!

Standard Package Summary

Pro Tip: In case an unfortunate incident takes place, call us at 1800-258-5956 or your
insurance partner because we will be able to guide you the best.

Digit Private Car Package Policy

UIN: IRDAN158P0005V01201718
Lengthy documents, we can’t avoid, as details are details (and we have pressing lawyers too)!
But here’s a short summary, covering all the important points you should know about our Digit
Private Car Package Policy.

We asked people, ‘Why you hate legal documents like these?’.

A lot of them answered, ‘Because of jargons’. So, let us bust those first.

Jargons Simple meanings

This is the market value of your car. This is calculated by taking manufacturer’s listed selling price of your car
at the start of the insurance/renewal minus depreciation. (jargon 2, see below).

Insured declared
value aka IDV

Everything in this world, wears and tears, including us (ageing they call it)! And so do our cars.

This is called depreciation and it is calculated basis the age of the car.

Also in case of repair, there is a different depreciation for different parts. Though if you have taken a ‘Zero
depreciation’ addon, the value of the parts is locked and there is no depreciation deducted while we give you
Depreciation
the claim money.

There is always a small share that you also pay in case there is a repair to be done after an accident. This is
called deductible.

We have a compulsory one, but you can choose to add some voluntary bit as well. (Why people do that? As it
reduces the premium money, though if a repair is to be done, you’ll have to pay that too. Choice is yours)
Deductible

What is covered What all can cause it

(All that can possibly go wrong) (Unfortunate incidents has causes, we cover most of the common ones)

• One of the worst nightmares for people who love their cars! Yes we cover this. As it is a total
loss, the money you’ll get is the IDV (remember jargon 1) less deductible.

Theft

• Yes, if your car goes ablaze, this one will cool you a little. The maximum you’ll get is the IDV,
depending on extent of damage, less depreciation & deductible.

Fire
 What is covered What all can cause it
(All that can possibly go wrong) (Unfortunate incidents has causes, we cover most of the common ones)

• This is the most imp one, covering damages to you, your car or people travelling with you when an
accident happens.

• The maximum you’ll get is the IDV, depending on the cost of repair or if your car is fully damaged,
you’ll get the full IDV money minus deductible.

Own Damage

• Yes, we cover the damages are due to a natural disaster like floods, earthquakes, cyclones,
landslides and more of such horrible occurrences.

Natural disaster

• An accident can also hurt you.

• This is a compensation, not a reimbursement. The maximum you’ll get is 15 lakhs, depending on
the extend of injury.

• In case of the worst thing that could happen, i.e. death, we give the full 15 lakhs right away to your
nominee or legal heir.

Personal accident

• We know you are a superb driver, but anyone can have a bad day!
• If an accident happens and you damage someone’s property (car, house gate etc…) cause bodily
injury/or death to/of any third party (not feelings but physically we mean), we compensate them for
the same.

Third Party Damage • For property damage, the maximum we give is 7.5 lakhs.
• For personal damage there is no upper limit, depends on how bad it is.
• Note- These monies are settled through court. Though, we’ll be there for legal assistance as well.
So, call us right away if an accident happens!

Now is the part where most insurance companies play it low, the exceptions or the times when your cover is not valid. But we

believe in putting this part, upfront, big and bold. So, here you go.

What are the exceptions?

These are some common things people miss in the policy and when a claim happens, it throws them off!
Which we don’t want happening to our lovely customers, like you!!

Times When You Are Not Covered

Which means if the driver was drunk or doped or was not carrying a valid driving license .

Broke the Good Driver Promise

 Times When You Are Not Covered

If the driver holds a learner’s license and was not driving with a valid driving license holder on
the front passenger seat.

Still learning

Any further damages
caused due an accident
Accidents can cause things like leakage of lubricating oil but if after the car is towed or driven
incorrectly, which causes damage to the engine or transmission, the damage to the engine
or transmission won’t be covered. Or if there is a flood like situation and you still keep driving
your car (not recommended as per manufacturer’s driving manual) and it causes a damage to
your engine, that won’t be covered.

Addons are like special powers and some of the advised ones are Parts Depreciation Protect,
Engine and Gear Box Protect and Consumable Cover.

a. You haven’t taken Parts Depreciation Protect - We will consider the wear and tear of
the damaged parts and give you the repair cost minus the depreciation. The common
If you haven’t depreciating parts are plastic parts, wooden parts, fibre glass, metal parts. We describe
taken addons something related to “Engine and Gear Box Protect”

b. Consumables - Certain parts like screws, nuts and bolts, engine oil, brake oil, fuel filter,
oil filter, ball bearings, lubricants, air conditioner gas, grease, washers and the like are not
covered.

Now for the reason you are with us, ‘Claims’. Firstly, you don’t have to fill any forms with us if you call us on
1800-258-5956. And here’s what happens next-
1. We instantly register your claim, no forms.
2. You send us the pics of the damage vehicle on the link shared on your registered mobile number, just
from your smartphone.
3. We assess the damage and come back with a claim estimate.
4. You may also choose to get your car Picked up, Repaired and Dropped back. Simple!

If your car is stolen, we’ll ask for an FIR report and some additional documents for legal transfer to our
company’s name in case vehicle is traced later on. Post that, we will give you the full IDV money.

You’ve passed these 4 pages with flying colours, awesome!

Happy road-tripping!
Disclaimer: Go Digit General Insurance Limited, Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru
560095, CIN: U66010PN2016PLC167410, IRDAI Regn. No. 158
www.godigit.com Toll free no. 1800-258-5956. Digit Private Car Package Policy, UIN : IRDAN158P0005V01201718. For details on product T&C,
please read sales brochure carefully before concluding sale.