Go Digit General Insurance

Digit car insurance covers private cars against accident damage, theft, natural disasters and man-made calamities. As with every Indian motor insurer, you can choose between the mandatory third-party plan, a standalone own-damage cover, and a comprehensive plan that bundles both.

What is different at Digit is the claim experience. After registering a claim on 1800-258-5956 or the app, you get a self-inspection link on your phone. You upload photos of the damage, follow a step-guided flow, and the claim is estimated and approved without a physical surveyor visit for most small-value claims. Cashless repair is available at 1,400+ authorised garages.

Digit two-wheeler insurance protects motorcycles, mopeds and scooters against accident damage, theft and fire. Three plan formats are available — third-party (the statutory minimum), standalone own-damage cover, and comprehensive (own-damage + third-party combined).

Self-inspection works on bikes the same way it works on cars. For most claims you avoid the surveyor visit completely. Renewals are equally simple: open the app, enter your registered mobile number, verify the OTP, and you are renewed in minutes.

Commercial vehicle insurance from Digit covers taxis, auto-rickshaws, school buses, tractors, commercial vans and trucks. The plan covers accidents, collisions, theft and natural calamities, plus the legal liability owed to third parties.

For fleet operators, the digital onboarding and renewal flow scales better than the typical commercial-insurance paperwork-heavy process. A single dashboard can hold multiple vehicles' policies, claim histories and renewal dates.

Digit health insurance covers medical emergencies and includes pre and post-hospitalisation expenses, annual health check-ups, psychiatric support, critical illness cover and maternity expenses on select variants. Cashless settlement is available at 5,900+ network hospitals.

What is genuinely useful with Digit's health plans is the absence of co-payment options in the standard variants, no room rent restrictions, cumulative bonus benefits, and a sum insured refill feature. Read the fine print carefully — these features are not standard across the Indian health insurance market.

Travel insurance from Digit covers flight delays, lost belongings, medical emergencies abroad and adventure-sport mishaps. Zero-deductible plans are available — useful for short trips where a deductible can eat the entire payout.

The smartphone-enabled claims and missed-call facility are practical features for travellers stuck in a foreign country with limited connectivity. International support runs 24x7.

Home insurance covers your property and contents against burglary, fire, flood, storm and explosion. The plan combines a Standard Fire and Perils Policy (covering earthquakes, cyclones, floods) with a Burglary Policy for theft protection. 24/7 customer support is included.

Shop insurance applies the same principles to retail premises. The Standard Fire and Special Perils Policy plus Burglary Coverage protects shop property and contents, useful for small businesses with limited cash reserves to absorb a sudden loss.