What Is Go Digit Own Damage Car Insurance? Benefits & Premium

Car insurance is not just about following the law; it is also about protecting your vehicle from unexpected losses. While third-party insurance is mandatory in India, it does not cover damage to your own car. This is where Go Digit Own Damage Car Insurance becomes important. It offers financial protection for your car against accidents, theft, fire, and natural disasters.

In this blog, we will explain what Go Digit Own Damage Car Insurance is, how it works, what it covers, its benefits, premium details, and who should buy it. The information is shared in simple words so that every car owner can understand it easily.

What Is Go Digit Own Damage Car Insurance?

Go Digit Own Damage Car Insurance is a policy that covers damage to your own car only. It does not include third-party liability coverage. This type of insurance is mainly designed for car owners who already have an active third-party insurance policy.

Earlier, own damage cover was available only as part of a comprehensive policy. But now, you can buy it separately. This gives car owners more flexibility to choose their insurer for third-party cover and own damage cover separately.

This policy protects your car against financial losses caused by accidents, theft, fire, natural disasters, and man-made events.

Why Is Own Damage Insurance Important?

Your car is exposed to many risks every day. Even a small accident can result in high repair costs. Third-party insurance does not help in such cases because it only covers damage to others.

Go Digit Own Damage Car Insurance helps you manage these expenses and protects your savings. It ensures that you do not have to pay a large amount from your pocket when your car gets damaged.

What Does Go Digit Own Damage Car Insurance Cover?

Here are the main coverages included in Go Digit Own Damage Car Insurance:

• Accident Damage

If your car gets damaged due to a road accident, collision, or rollover, the repair cost is covered as per policy terms.

• Theft of the Car

If your car is stolen and not recovered, the insurer pays the Insured Declared Value (IDV) of the car.

• Fire and Explosion

Damage caused due to fire, explosion, or self-ignition is covered under this policy.

• Natural Disasters

Losses caused by floods, earthquakes, cyclones, storms, landslides, or lightning are included.

• Man-Made Disasters

Damage due to riots, strikes, vandalism, or malicious acts is also covered.

What Is Not Covered Under Go Digit Own Damage Car Insurance?

Like every insurance policy, this one also has exclusions. Some common exclusions include:

• Normal wear and tear
• Mechanical or electrical breakdown
• Damage due to drunk driving or illegal activities
• Driving without a valid license
• Damage outside the geographical limits
• Consequential damages after an accident

Understanding exclusions helps avoid claim rejection later.

Key Benefits of Go Digit Own Damage Car Insurance

• Separate and Flexible Coverage

You can buy own damage cover separately while keeping third-party insurance from any insurer.

• Financial Protection

It protects you from high repair costs due to accidents or disasters.

• Customizable Add-Ons

You can choose add-on covers based on your needs by paying a small extra premium.

• Easy Claim Process

Go Digit is known for its simple and digital claim process, which saves time and effort.

• Suitable for All Types of Cars

Whether you own a new car or an old one, this policy can be useful if your vehicle is still valuable.

Add-On Covers Available With Go Digit Own Damage Car Insurance

To enhance coverage, Go Digit allows you to choose add-ons. Some popular add-ons include:

• Zero Depreciation Cover

This ensures that depreciation is not deducted during claim settlement, giving you a higher payout.

• Engine Protection Cover

Covers engine damage caused by water ingression or oil leakage.

• Roadside Assistance

Provides help during breakdowns, towing, flat tires, or battery issues.

• Return to Invoice Cover

In case of total loss or theft, you get the original invoice value instead of the depreciated value.

Add-ons increase the premium slightly but offer better protection.

How Is the Premium for Go Digit Own Damage Car Insurance Calculated?

The premium for Go Digit Own Damage Car Insurance depends on several factors:

• Insured Declared Value (IDV)

Higher IDV means higher premium, as it reflects the car’s market value.

• Age of the Car

Older cars usually have a lower premium due to reduced value.

• Type of Car

Luxury and high-end cars have higher repair costs, which increases the premium.

• Add-On Covers

More add-ons mean a higher premium.

• Claim History

If you have a good claim history, you may get benefits like a no-claim bonus.

Who Should Buy Go Digit Own Damage Car Insurance?

This policy is ideal for:

• Car owners with an active third-party insurance policy
• People looking for affordable own car protection
• Owners of older cars who do not want full comprehensive insurance
• Those who want flexibility in choosing insurers

If you want protection only for your car without paying for third-party coverage again, this policy is a smart choice.

Difference Between Own Damage and Comprehensive Car Insurance

A comprehensive policy includes both third-party liability and own damage cover. On the other hand, Go Digit Own Damage Car Insurance only covers your car.

If you already have third-party insurance, buying own damage separately can be cost-effective. However, if you want complete coverage in one policy, comprehensive insurance may be better.

How to Buy Go Digit Own Damage Car Insurance?

Buying this policy is simple and can be done online. You need to provide:

• Car registration number
• Existing third-party insurance details
• Car details like model, fuel type, and year
• Add-ons, if required

Once payment is completed, the policy document is issued digitally.

Claim Process for Go Digit Own Damage Car Insurance

The claim process is easy and customer-friendly:

1. Inform Go Digit about the claim online or through their app
2. Upload required details and photos
3. Get your car inspected digitally or physically
4. Repair the car at a network garage or preferred garage
5. Claim settlement is processed as per policy terms

Timely intimation helps in faster claim settlement.

Conclusion

Go Digit Own Damage Car Insurance is a practical and flexible solution for car owners who want protection for their own vehicle without buying a full comprehensive policy. It offers wide coverage, useful add-ons, and a simple claim process.

Before buying, always check policy terms, exclusions, and premium details carefully. Choosing the right insurance ensures peace of mind and financial safety on the road.

Frequently Asked Questions (FAQs)

Q.1. What is Go Digit Own Damage Car Insurance?

Go Digit Own Damage Car Insurance is a policy that covers damage to your own car caused by accidents, theft, fire, natural disasters, and man-made events. It does not cover third-party liabilities.

Q.2. Is Go Digit Own Damage Car Insurance mandatory?

No, this policy is not mandatory by law. However, it is useful if you want financial protection for your own car, especially when you already have a valid third-party insurance policy.

Q.3. What is covered under Go Digit Own Damage Car Insurance?

The policy covers accident-related damage, theft, fire, natural disasters like floods and earthquakes, and man-made events such as riots and vandalism.

Q.4. What is not covered under this policy?

Normal wear and tear, mechanical breakdown, driving under the influence, driving without a valid license, and damage outside policy terms are not covered.

Q.5. Can I add extra covers to Go Digit Own Damage Car Insurance?

Yes, you can add covers like zero depreciation, engine protection, roadside assistance, and return to invoice by paying an additional premium.

Q.6. Can I purchase Go Digit Own Damage Car Insurance through Square Insurance?

Yes, squareinsurance helps car owners understand Go Digit Own Damage Car Insurance, compare coverage options, and choose a suitable policy in a simple and transparent way.

Note

For easier insurance management, policy comparison, and renewals, you can also use Square Insurance POS – Apps on Google Play. The app is designed to help users handle insurance-related needs conveniently from their mobile devices.