Dhanbad is the second-most populated city after Jamshedpur. The city is popular as the "Coal Capital of India" as it is home to one of the biggest coal mines in India. Also, the city has been flourishing in the IT sector lately. It is now one of the fastest-growing cities in India.

Being a growing city, various roads in Dhanbad are still under construction, and there is a lack of proper traffic management. Moreover, the increasing number of vehicles on the road makes daily transportation difficult leading to congestion and fatalities.

As a car owner in Dhanbad, you need to have a motor insurance policy to safeguard yourself financially from any unforeseen mishap. Digit can be a suitable option if you are looking for a trusted motor insurance provider.

Digit offers an easy claim settlement process and round-the-clock customer service.

Hence, if you are in Dhanbad and looking for all-inclusive coverage for your vehicle, you can simply count on Digit.

Let's understand the prominent reason why you should get a Digit's car insurance plan in Dhanbad. The insurance protects the car from the damage and dents with the full coverage, Here are a few factors that you should consider before buying car insurance online.

• 24/7 Customer Assistance: Digit customer representatives are always available to listen to your concerns related to a vehicle insurance plan. Moreover, we are available even on national holidays to answer your queries. So, if you are in an emergency and need our assistance, feel free to get in touch with us.
• Availability of Thousands of Network Garages: When choosing the cashless mode of repair, you can visit any of the nearest network garages of Digit. These service stations provide quick, and quality repair and the best thing is that you won't need to pay anything from your end. On top of this, you get at least six months of warranty on every repair conducted in these network garages.
• Fast Claim Settlement Procedure: The remarkable approach of smartphone-enabled self-inspection makes the claim settlement process of Digit hassle-free and simple. You just need to call us on our provided number to receive a link at your registered contact number. Then, by following a step-by-step guide, click and upload pictures of your vehicle's damaged areas. Finally, upon receiving those pictures, our representatives will get back to you with an estimate. The online claim settlement process eliminates the need for manual filing of forms and submission of documents. This paperless mode of claim settlement is extremely time-saving and offers quick resolution during emergencies.
• Modification of IDV of the Car: Insured Declared Value is the current market value of your vehicle and directly influences the insurance premium you pay. It also affects the sum insured. If the IDV is lower, you will need to pay a lower premium for the vehicle insurance, and the sum insured will also be lower. Digit allows car insurance holders to customise or modify IDV as per their convenience and budget.

Here are the ways in which Digit vehicle insurance can protect you from unforeseen mishaps:

• Personal Accident Cover: A personal accident cover is compulsory for every vehicle owner buying a motor insurance plan. It financially protects you and your family during mishaps. With a PA cover, you can get financial assistance for hospital bills and medical expenses that you might incur due to bodily injuries and total disability. It is also recommended to have separate health insurance that can cover the cost of treatment or injury that occurs during an accident.
• Availability of Various Car Insurance Plans: You get to choose from the available three types of insurance plans when you choose Digit as your car insurer:
  • Comprehensive Car Insurance: This type of car insurance policy covers all types of damages – personal as well as third-party.
  • Third-Party Car Insurance: A third-party car insurance policy is mandatory in India for every vehicle owner. This plan only offers coverage for damage caused to third-party vehicles, properties and people.
  • 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.
• Avoid Legal Complications: According to the Motor Vehicles Act, 1988, every vehicle owner must purchase third-party car insurance in India. Driving without a valid insurance plan will attract heavy fines of ₹ 2,000 to ₹ 4,000. Furthermore, repeated occurrences will lead to 3-months of imprisonment or cancellation of driving license. Hence, purchasing a third-party insurance plan at the time of buying a four-wheeler will keep legal issues at bay.
• Customise Add-ons Benefit: If you buy a comprehensive vehicle insurance plan, you can customise it with add-ons by paying a nominal extra amount. Add-ons offer additional coverage that is not included in the comprehensive plan. These add-ons can be quite beneficial in various situations. Some notable add-ons offered by Digit are roadside assistance cover, tyre protection cover, zero depreciation, etc. For example, if you are opting for a zero depreciation cover, Digit will not consider the depreciation charge while paying you the compensation. So, you will get higher compensation.

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

• 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