Filing a car insurance claim can be a stressful experience—especially after an accident or vehicle damage. But with Go Digit Car Insurance Claim, the claim process is designed to be quick, transparent, and user-friendly. Whether you want a cashless repair or a reimbursement settlement, understanding the Go Digit Car Insurance Claim Process – Steps & Documents ensures you get a smooth, hassle-free experience when it matters most.

As an insurance content writer with over 15 years of experience and 10,000+ blogs published in the domain, I’ve guided thousands of motorists through the claim landscape. This detailed guide walks you through each step, lists required documents, highlights common pitfalls, and shares expert tips to help you settle claims faster and with less stress.

What Is a Car Insurance Claim?

A car insurance claim is a formal request you make to your insurer (Go Digit) asking for compensation when your vehicle suffers damage covered under your policy. Claims may arise from accidents, theft, natural calamities, or other insured events.

A proper understanding of the process helps you avoid delays and rejections.

Why a Proper Claim Process Matters

  • Faster settlements
  • Higher chances of approval
  • No unnecessary delays
  • Zero discrepancies in payout
  • Cashless repair advantages

Being prepared with steps and documents makes all the difference.

Step-by-Step Go Digit Car Insurance Claim Process

Follow this structured process to ensure a smooth claim experience:

Step 1: Inform Go Digit Immediately

Prompt intimation is crucial. After an accident, theft, or damage:

  • Use the Go Digit app
  • Visit the official Go Digit website
  • Call the customer care helpdesk

Early reporting helps prevent rejection due to “late intimation.”

Step 2: Provide Incident Details

You will be asked for:

  • Policy number
  • Vehicle registration number
  • Date and time of incident
  • Exact location of incident
  • Brief description of what happened
  • Photos of damage (if available)

Make sure information is accurate and consistent.

Step 3: File an FIR (If Required)

For certain cases, filing a First Information Report (FIR) with the police is mandatory:

  • Theft or vehicle missing
  • Third-party injury or death
  • Vandalism and riots
  • Major collision involving others

An FIR strengthens your claim and avoids complications later.

Step 4: Document Submission

To proceed with assessment, you must upload or submit required documents. These include:

Documents Required for Go Digit Car Insurance Claim

Basic Documents

  • Policy certificate
  • Insurance copy
  • Registration Certificate (RC)
  • Driving licence of the driver
  • Identity proof (if requested)

Damage & Incident Related

  • Photos of the damaged vehicle
  • FIR copy (if applicable)
  • Repair estimates from garage
  • Witness contact details (if any)

Financial Details (For Reimbursement)

  • Bank account details
  • Cancelled cheque / passbook copy
  • Invoice or original bills (after repair)

Step 5: Vehicle Inspection & Survey

Once you submit documents:

  • A surveyor inspects the vehicle
  • They assess the extent of damage
  • They prepare a damage and cost estimate
  • This determines the claim amount

Make sure the car is accessible for inspection or cooperate remotely if needed.

Step 6: Choose Repair Type

You have two main options:

A. Cashless Claim

  • Repairs are done at Go Digit network garages
  • Go Digit settles bill directly with the garage
  • You pay only deductibles or non-covered items

B. Reimbursement Claim

  • You get the vehicle repaired at any chosen garage
  • Submit original bills and invoices later
  • Go Digit reimburses the approved amount into your bank account

Step 7: Claim Approval & Settlement

Once the survey and documentation are completed:

  • Go Digit processes final approval
  • Cashless bills are paid directly to the garage
  • Reimbursement is transferred to your bank
  • Policy record is updated

Always check your claim reference number and claim status in the app or online dashboard.

Typical Claim Settlement Timelines

  • Minor damage claims: 7–10 business days
  • Theft cases: May take longer due to police verification
  • Third-party claims: Dependent on legal proceedings (if any)
  • Reimbursement: Quick once bills are submitted

Delays are usually due to incomplete documents or late intimation.

Tips to Ensure a Smooth Claim Experience

  • Inform your insurer as soon as possible
  • Take clear photos from multiple angles
  • Upload all documents without missing pages
  • Track your claim with the reference number
  • Choose cashless facility for faster repairs
  • Cooperate with the surveyor

Good preparation can eliminate common delays and reduce stress.

Common Claim Mistakes to Avoid

  • Late reporting
  • Missing or blurry photos
  • Forged or inaccurate documents
  • Driving without a valid licence
  • Not updating policy after changes

Avoiding these mistakes helps you save time and hassle.

Why Go Digit Is Known for Claim Ease

Go Digit emphasizes digital convenience:

  • Submit claims via mobile app
  • File online 24×7
  • Vast network of cashless garages
  • Dedicated support for claim tracking
  • Fast processing with minimal paperwork

Their integrated tech ecosystem simplifies a traditionally complex process.

Frequently Asked Questions (FAQs)

Q1. Can I file a claim online?
Yes — Go Digit supports fully online claim submission via website or app.

Q2. Is FIR always required?
Not always. FIR is mandatory for theft and third-party injury cases — not for minor own damage.

Q3. How do I get cashless repairs?
Choose a network garage and provide your policy details — Go Digit settles directly.

Q4. Will my premium increase after a claim?
It can, depending on the type and number of claims. More claims may reduce your No Claim Bonus (NCB).

Q5. How does squareinsurance help?
squareinsurance helps users understand the Go Digit claim process, prepares claim documents, provides expert guidance, and speeds up settlement by reducing common errors.

Conclusion

The Go Digit Car Insurance Claim Process – Steps & Documents is designed with simplicity and clarity in mind. By reporting early, submitting the correct documents, and understanding each step, you can significantly improve your claim experience. With digital tools and a wide network of garages, Go Digit enables car owners to manage claims efficiently — right from their phone or laptop.

Important Note

Manage and track claims, policies, renewals, and premium comparisons easily using our mobile application:
Square Insurance POS – Apps on Google Play

Download now and enjoy professional insurance assistance anytime, anywhere!