Dharwad, or Dharwar, is located in the state of Karnataka. It is an urban agglomeration with Hubballi and is the administrative headquarters of the district of Dharwad. The city is still developing. However, the road infrastructure and traffic management are poor. The city also receives substantial precipitation during the monsoon.

All these factors often lead to traffic congestion and mishaps. So, as a car owner in Dharwad, you need to get a car insurance plan to safeguard yourself from the financial outflow caused due to accidents, damages, losses, or theft.

If you are wondering which car insurance provider to choose, you can consider Digit. Digit offers a completely online claim settlement process that makes raising claims easier and effortless.

Furthermore, there are other factors that make Digit one of the credible vehicle insurers in Dharwad. Read on.

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

• 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

Let's see the benefits that you can enjoy upon selecting a Digit car insurance policy in Dharwad. 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.

• Simplified and Quick Settlement Process: Digit offers a simplified claim settlement process through smartphone-enabled self-inspection features. To raise a claim for Digit car insurance, you will have to call on the provided number. You will then receive a link for self-inspection. In the next step, you need to click clear pictures of the damaged portion of your vehicle and send us using a step-by-step guideline. Once we receive these pictures, an executive from Digit will get back to you with the estimates. You can then opt for the preferred mode of repair. The paperless and hassle-free way of online filing of claim settlement makes Digit one of the trusted car insurance providers in the country.
• 24/7 Customer Assistance: The customer care department is active 24/7. Our team is ready to resolve all the queries related to car insurance policies. We understand that an emergency can occur on any day; hence our team will be available even on national holidays. So, if you have got any queries, feel free to reach out to us.
• Network Garages for Cashless Repairs: If you are choosing the Cashless repair mode for your vehicle, you can visit any of the nearest Digit network garages. In these garages, you will be able to get the damaged car repaired without any extra cost. These garages are spread all across the country. On top of this, you will get at least six months of warranty on every repair from any of these network garages of Digit.
• Option to Modify IDV: Digit offers the facility to modify the IDV or Insured Declared Value. It is the vehicle's current market value. It will directly affect the premium of your car insurance, and the sum insured. So, if you set a lower IDV, the sum insured of the plan will be lower, and the monthly premium will also be lower.

Let's understand how obtaining car insurance from Digit can protect your vehicle in Dharwad:

• Avoid Legal Penalties: According to the Motor Vehicles Act, 1988, buying third-party vehicle insurance in India is mandatory. If you do not have any valid motor insurance plan, you can be liable to pay a fine of ₹ 2000, which may rise up to ₹ 4000 in case of repeated offences. Please note that on certain occasions, there can be stringent punishment like 3-months of imprisonment or even cancellation of driving license.
• Choose From Multiple Car Insurance Policies: You can choose from the available three variants of policies if you are opting for Digit car insurance: 
  • Third-Party Car Insurance
  • Comprehensive Car Insurance
  • Own Damage Car Insurance

Each of the car insurance plans has specific features and coverage benefits. So, analyse your requirements first and then buy the most suitable one.

• Personal Accident Cover: A personal accident cover is compulsory when you buy any motor insurance policy. The PA cover will offer financial assistance to your family in case of any total disability, physical injuries or even death. You will get financial coverage for expenses needed for the treatment of disability and injuries. Also, in the case of the death of a car owner, Digit provides compensation to the nominee. So, Digit's personal accident cover protects your family's financial health in your absence.
•  Add-on Covers: Digit allows you to modify the comprehensive car insurance policy with various add-ons. These add-ons offer additional coverage over and above the coverage of the comprehensive plan. Some of the significant add-ons are zero depreciation cover, tyre protection cover, roadside assistance cover, engine and gearbox protection, etc. For example, if you are choosing roadside assistance with the comprehensive plan, you get coverage for all expenses that you have to bear for repair and replacement services in the middle of your journey. You also get coverage for towing service charges, taxi charges, etc.