Owning a car brings comfort, freedom, and convenience — but it also brings responsibility. Car insurance isn’t just a legal formality; it’s your financial safety net against unexpected events like accidents, theft, and natural calamities. While third-party insurance covers liabilities to others, Go Digit Own Damage Car Insurance focuses on protecting your own vehicle.
With over 15 years of experience writing in the insurance domain and 10,000+ blogs published on the subject, I’ve helped countless car owners understand how to optimize coverage, reduce premiums, and navigate claims with confidence. This blog breaks down Go Digit’s own damage cover, its cost components, and the real-world benefits it brings.
What Is Go Digit Own Damage Car Insurance?
Go Digit Own Damage Car Insurance is a specialized cover that protects your vehicle against damages that occur to your own car — regardless of fault. It can be purchased standalone only if you already have third-party liability insurance, or as part of a comprehensive car insurance policy.
Unlike third-party insurance, which only protects others, this policy ensures that the repair or replacement cost of your own car — after an accident, natural disaster, or theft — is taken care of financially.
What Does Own Damage Cover?
1. Accidental Damage
If your vehicle suffers damage in an accident or collision, Go Digit covers the repair cost up to the Insured Declared Value (IDV).
2. Theft
If your car is stolen and not found, you receive compensation based on your policy’s IDV.
3. Fire & Explosion
Damage caused by fire, short-circuit, or explosion is covered under this policy.
4. Natural Calamities
Covers losses caused by:
- Floods
- Earthquakes
- Cyclones
- Storms
- Hailstorms
- Landslides
This makes the policy especially valuable in flood-prone or disaster-affected regions.
5. Man-Made Calamities
Damages due to riots, strikes, vandalism, terrorism, or civil unrest are also included.
6. Transit Loss
Damages caused while your vehicle is being transported by rail, road, or air are included in the cover.
What Does It Not Cover?
Even the broad cover comes with some exclusions:
- Damage from wear and tear
- Mechanical or electrical breakdown
- Driving under influence of alcohol
- Damage caused while violating law
- Personal belongings in the car
Understanding these exclusions helps avoid claim rejection and surprises.
Go Digit Own Damage Car Insurance Cost
The own damage premium varies based on:
1. Insured Declared Value (IDV)
Higher IDV = higher premium. IDV is the maximum sum payable at total loss.
2. Age of the Vehicle
Older cars typically have lower premiums due to lower market value.
3. City of Registration
Metro cities often attract higher premiums due to increased risk of accidents and theft.
4. Claim History
A claim-free history may reduce your premium via No Claim Bonus (NCB).
5. Add-On Covers
Choosing optional add-ons increases protection but also increases premium.
6. Voluntary Deductible
Opting for a higher deductible can lower your premium.
Typical Cost Range (Indicative)
- Compact cars: ₹3,000 – ₹6,000
- Midsize cars: ₹6,000 – ₹12,000
- Premium/SUVs: ₹12,000 – ₹25,000+
Actual premium may vary based on specific variables like car model, IDV, city, and add-ons.
Using an online premium calculator from Go Digit or comparison platforms gives you instant pricing tailored to your vehicle.
Top Benefits of Go Digit Own Damage Car Insurance
1. Financial Security
Own damage cover protects you from expensive repair bills, whether caused by an accident, theft, or natural disaster.
2. Cashless Repairs
With partner garage networks, you can enjoy cashless servicing where the insurer settles bills directly.
3. Flexible Add-Ons
Enhance your cover with useful extras like:
- Zero depreciation cover
- Engine protection
- Roadside assistance
- Return to invoice
4. Easy Online Management
Buy, renew, or track claims via Go Digit’s website or mobile app — fully digital, paperless, and convenient.
5. Fast Claim Process
Digit’s claim procedures are designed for speed and transparency, reducing hassles during stressful times.
Useful Add-On Covers and Why They Matter
Add-on covers elevate your protection and reduce out-of-pocket expenses during repair:
1. Zero Depreciation Cover
No depreciation deduction on replaced parts — especially valuable for new cars.
2. Engine Protection Cover
Covers internal engine damage due to water ingress, oil leakage, or similar conditions.
3. Roadside Assistance
Provides emergency help like towing, battery jump start, flat tyre assistance, and fuel delivery.
4. Return to Invoice
Provides full original invoice value in case of total loss or theft.
How to Buy Go Digit Own Damage Car Insurance Online
Follow a few simple steps:
- Visit Go Digit’s official portal
- Enter your car registration & details
- Choose own damage cover
- Select add-ons as needed
- Compare premium quotes
- Make secure online payment
- Download policy instantly
It’s a completely paperless journey with instant documentation.
Claim Process for Own Damage Insurance
Step 1: Intimate Claim
Report your claim through Go Digit’s app or website immediately after the incident.
Step 2: Submit Documents
Provide necessary documents such as:
- Policy certificate
- RC (Registration Certificate)
- Driving licence
- FIR (if required)
- Photos of damage
Step 3: Vehicle Inspection
An assessor inspects your vehicle to determine damage and estimate costs.
Step 4: Repair & Settlement
Choose:
- Cashless claim at a network garage
- Reimbursement claim, if using an outside garage
Once approved, the insurer pays directly (cashless) or refunds your expenses.
Tips to Maximize Benefits & Lower Cost
- Renew policy before expiry
- Maintain good claim history for NCB
- Install anti-theft devices
- Choose appropriate add-ons only
- Compare premiums online before purchase
These strategies help you get better coverage at a competitive price.
Frequently Asked Questions (FAQs)
Q1. Is own damage insurance mandatory?
No — only third-party insurance is mandatory. Own damage cover is optional but highly recommended.
Q2. Can I choose own damage only if I have third-party cover?
Yes — standalone own damage can be purchased only if you already have third-party insurance.
Q3. Will filing a claim increase my premium?
Filing a claim might affect your premium depending on the nature of the claim and insurer’s policy.
Q4. Can I add zero depreciation later?
Yes — you can add it when buying or at renewal, depending on eligibility.
Q5. How does squareinsurance help?
squareinsurance helps users compare Go Digit own damage insurance plans, calculate premiums, choose add-ons, and complete the purchase or renewal online with expert guidance.
Conclusion
Go Digit Own Damage Car Insurance – Cover, Cost & Benefits is a smart choice for anyone seeking focused financial protection for their own vehicle. It goes beyond basic legal compliance, safeguarding your car against a wide range of risks while giving you flexibility and digital convenience.
Important Note
Manage, compare, and renew your car insurance easily through our mobile application:
Square Insurance POS – Apps on Google Play
Download now and enjoy smooth, expert-supported insurance solutions anytime, anywhere!
