Go Digit Car Insurance Overview
The oldest general insurer Go Digit Insurance Company Limited (NICL) offers myriads of useful features with their car insurance plans. Incorporated in December 1906 in Kolkata, Go Digit Insurance spreads a wide network across India to target different sector of insurance customers. This is the first leading general insurer that initiated product customization for both rural and corporate sector. And when it comes to car insurance, then Go Digit car insurance name comes first. This fully Government owned insurer offers a wide range of effective motor insurance products which can be helpful in dealing with different types of situations on road. So if you own a car, you can buy Go Digit car insurance policy without any second thought. Investing in a motor insurance with Go Digit Insurance will be a perfect decision for you.
Key Features of Go Digit Car Insurance Policies
- ✔Under Go Digit car insurance policy, you can get third party liability cover upto maximum of 7.5 lakhs.
- ✔Go Digit car insurance policy covers vehicles used for social, domestic and professional purpose.
- ✔NIC offers direct cashless claim settlement over 3200+ network garages across India.
- ✔Policyholders of the company can avail discounts on premium in addition to No Claim Bonus.
- ✔Go Digit motor insurance offers discount for approved anti-theft devices installed in the vehicle.
- ✔Concession for specially designed or modified vehicle for blind, handicapped and mentally challenged persons is included in Go Digit motor insurance.
The Reasons for Purchasing Go Digit Car Insurance Policy
As per Motor Vehicle Act in India, it is mandatory to have third party auto insurance plan, if you have a vehicle. However, apart from the legal compulsion, it is essential to buy a motor policy, because when we are on road, we do not know which unavoidable situation is waiting for us that can be thorny to handle. So considering this factor, it is best to be on the safe side and a proper auto insurance plan can save you in this aspect. And car insurance from Go Digit Insurance Company Limited (NICL) will be an ideal decision in all aspects. Below we have discussed some of the reasons for which you will get to know why Go Digit car insurance is the perfect choice for all the car-owners.
- ✔You can easily buy Go Digit car insurance policies from company’s online portal using credit, debit cards and internet banking anytime without wasting your valuable time.
- ✔NIC offers 100% protection for your four wheeler.
- ✔With Go Digit car insurance online, you can avail hassle-free claim settlement, instant renewal and get free quotes.
- ✔Go Digit motor insurance policy provides personal accident insurance coverage where you can get a lump sum amount for the driver or co-passenger
- ✔Instant online renewal quotes are available in NIC’s website.
- ✔You can avail 24*7 claim settlement assistance services under Go Digit vehicle insurance scheme.
- ✔Go Digit motor insurance offers some effective add-on covers.
- ✔As per Go Digit car insurance online, on choosing higher voluntary excess, you will get discount on insurance premium.
Plans and Coverage of Go Digit Car Insurance
Generally, you will be offered two types of car insurance plans and coverage under Go Digit Insurance Company in India. These are Liability Only Cover and Package or Comprehensive Cover.
- ✔Liability Only Cover
- ✔Package or Comprehensive Cover
- Own Damage cover: This Go Digit vehicle insurance policy provides protection for the insured vehicle against damages caused by natural calamities such as fire, explosion, self-ignition or lightning, flood, earthquake, typhoon, storm, tempest, hurricane, inundation, cyclone, hailstorm, frost, landslide etc. Apart from these, damages or losses due to man-made disasters like accidents, theft, riot, burglary, strike, terrorist activity, malicious act, and any damage in transit by road, rail, inland waterway, lift, elevator or air are also covered by this Go Digit vehicle insurance plan.
- Personal Accident Cover:The Company provides personal accident coverage in the event of an unfortunate accident while you are driving the four wheeler. This Go Digit motor insurance policy can also be extended to the co-passengers and it provides a lump sum amount to the driver or co-passenger.
- Additional Coverage:To make the policies stronger, you must opt for add-on covers. Like,
- ✔Zero Depreciation:With this add-on cover, you will get the total value on your four wheeler regardless of depreciation.
- ✔No Claims Bonus:This add-on cover of Go Digit car insurance online offers discount on premium while renewing the policy which entitles as a No Claim Bonus or NCB.
This Go Digit vehicle insurance plan provides protection against any legal liability caused by an accident involving your four-wheeler. This scheme does not cover any damage to your vehicle. It only provides coverage for third party injury or death and property damage to third party upto the maximum of Rs. 7.5 Lakhs.
This Package Cover of Go Digit motor insurance is known as Comprehensive Cover since it provides both third party coverage and coverage for own-damage or loss and co-passenger or self. You can avail ample of benefits under this scheme. Like,
What are the Exclusions of Go Digit Car Insurance Policies?
Although Go Digit motor insurance policies provide a wide range of coverage to meet your requirements during any emergency, but there are some exclusions.
- ✔Any consequential loss, mechanical or electrical breakdown, wear and tear, failures or breakages are not the part of Go Digit car insurance policies in India.
- ✔Go Digit vehicle insurance policies in India do not provide coverage for tyres damage unless the four wheeler is damaged at the same time.
- ✔Any accidental loss or damage occurred while driving the vehicle under the influence of alcohol is not covered.
- ✔Any loss due to failure of parts is also excluded from the policy.
Go Digit Car Insurance Renewal
Go Digit car insurance renewal is easy and simple. By Go Digit car insurance renewal, you can keep the continuation of your car insurance policy. So it is essential for you to do Go Digit Car Insurance online renewal before the expiry. By applying some simple steps, you can be able to complete the Go Digit car insurance policy renewal process in India. Just have a look below
- ✔You can renew your Go Digit car insurance online policies at company’s official website.
- ✔First, select on ‘Motor Insurance’ tab and then click on ‘renew’ tab to initiate your Go Digit car insurance renewal process.
- ✔After that, enter policy details and click on ‘Renew Policy’ for instant Go Digit car insurance online renewal.
- ✔Thereafter, you will be diverted to the premium payment page. Pay the premium digitally for the successful completion of your Go Digit Insurance car policy renewal.
- ✔Once you have done the payment online, you will receive an authentication mail in your registered mail id.
- ✔Last and final step of Go Digit car insurance renewal is you have to save or print the receipt of premium deposit for future use.
People Also Search For:
Best Car Insurance | Car Insurance Companies | Car Insurance Online | Car Insurance Quotes | Car Insurance Renewal | Compare Car Insurance | New Car Insurance | Online Motor Insurance |1.How can you tell who is at fault in a car accident?
Sometimes it’s easy to determine who is at fault in a car accident as you have to identify who the careless or negligent one in the accident. However, in some cases, it can be very difficult. In such situations, it is up to the police, court and the insurance company to point out the faulty one in a car accident. They investigate the matter thoroughly to determine whose fault it was in a car accident.
2.Do you need to have car insurance to drive someone else's car?
You must consider car insurance before driving a car, whether it is yours or someone else’s. You need to make sure that you are covered under car insurance before driving your or someone else’s car. It doesn’t matter if the car insurance is your own, you’re covered under someone else’s car insurance policy or you buy non-owner’s car insurance. You need to have car insurance before driving a car at all cost.
3.Can I drive someone else's car on my insurance?
If you assume that you will be totally covered when you drive someone else’s car on your third party car insurance, you are wrong. However, comprehensive car insurance may help you in this case. But it’s still advisable to check with your car insurer before you hop in someone else’s car.
4.Can you drive someone else's car if they are with you?
You can drive someone else’s car if they are with you but you have to make sure that you have a valid license and you are also covered under car insurance in order to avoid any complications that may result due to an accident.
5.Can I drive someone else's car if I’m fully comprehensive?
Having a fully comprehensive car insurance plan doesn’t set you free from all the worries when you drive someone else’s car. Driving other car is acceptable for any emergency, not if you want to just drive for fun. So it may be subject to the claim when you meet an accident while driving someone else’s car. Every car insurance provider does not cover damages when you drive someone else’s car even if you have full comprehensive car insurance.
| Facebook
| Twitter
| Linkedin
| Instagram
