Cuttack is the second largest city in the state of Odisha and is characterised by a number of lanes, by-lanes and a maze of streets. This Tier-II city is home to various commercial and economic activities.

Being a car owner in Cuttack, the financial capital of Odisha, you must know how crowded the streets can get on weekdays. In such driving conditions, accidents are common and thus, having a car insurance policy is crucial. This will make sure that you have financial coverage in case of an accident.

If you are looking for a vehicle insurance policy in Cuttack, try out Digit Insurance. Their online method of claim settlement is hassle-free and gets over in minutes. To know more on Digit car insurance policies, read on.

Following are the car insurance add-ons available in Cuttack:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

Digit offers its car insurance policy holders the following benefits:

• Options to Customise the IDV: Insured Declared Value or IDV of your car have a direct influence on your vehicle insurance policy’s sum insured and the premium amount you pay. Thus, to maintain transparency, Digit allows you to customise the IDV of your vehicle according to your preference and budget.
• 24X7 Customer Guidance: Digit’s 24X7 customer support team will clear any doubt that you may have regarding your car insurance policy. They will happily solve your queries even on national holidays.
• Online Claim Settlement Process: When you purchase a vehicle insurance policy from Digit, the claim settlement process is online. It is a smartphone-enabled self-inspection process that you can finish in a matter of minutes. You just have to call Digit in order to get a link to your registered contact number. Then you have to follow a step-wise guide and take pictures of the damaged portions of your vehicle. The team concerned will look into the matter and get back to you with an estimate. You can then choose a Reimbursement or opt for Cashless Repairs at one of Digit’s numerous network garages. The simplicity of the entire claim settlement process has enabled Digit to maintain a high claim settlement ratio for private cars.
• Network Garages All Over India: Digit has thousands of network garages all over India. If you opt for Cashless Repairs while claiming your car insurance policy, you can take your damaged vehicle to one of these garages. In this way, you will get your car repaired without any further expenses from your end. Furthermore, all repairs done in these network garages will have a warranty of 6 months.

A car insurance policy does much more than just safeguarding you financially in the event of an accident or mishap. The other ways in which a Digit car insurance policy can save you are:

• Avoiding Legal Penalties: The Motor Vehicles Act 1988 has made it mandatory for all vehicle owners to have at least a third-party insurance policy. In case the authorities find that you are driving your car without a car insurance policy, you will have to pay a fine of ₹ 2,000. For subsequent offences, the fine will rise to ₹ 4,000. Moreover, in rare cases, the authorities may punish you with 3 months of imprisonment or cancel your driving license.
• Choose Among Different Car Insurance Policies: Digit offers three types of vehicle insurance policies. You can select one based on your requirement. They are:
  • Comprehensive Car Insurance: This insurance plan covers damages to both your vehicle and third parties in case of an accident. It also covers damages to your car due to fire, theft, and man-made and natural disasters.
  • Third-Party Car Insurance: A third-party car insurance policy provides financial coverage for damages done by your vehicle to third-party cars, individuals and properties.
  • Own Damage Car Insurance: This policy covers loss and damage to your own car, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party car insurance policy.
• Option to Customise Your Car Insurance Policy With Add-ons: When you purchase a comprehensive vehicle insurance policy from Digit, you can opt for add-ons. These come at nominal extra expenses and enhance the coverage of your car insurance policy. Moreover, they come in handy in a variety of situations. For example, think of a situation where your car broke down in the middle of the road. If you have roadside assistance as an add-on, you can get your vehicle fixed on the spot with no extra cost from your end. Furthermore, Digit will also compensate for towing services for your vehicle if necessary and taxi services to help you reach your destination. Let’s take a look at another one. Suppose you choose zero depreciation cover as an add-on. In this case, Digit will not factor in the depreciation cost of the car parts while paying compensation. This means you get a higher amount when you raise a claim. Moreover, there are other add-ons like engine protection cover, consumable cover, tyre protect cover, etc. that you can choose from.
• Personal Accident Cover: A personal accident cover is essential for every vehicle owner. It makes sure that you get financial coverage in case you suffer from injuries, permanent disabilities or death in the event of an accident. This cover will ensure that your medical treatment goes smoothly and your family is financially secured.