Located in the central portion of Kochi, the Ernakulam district is a hub of commercial activities. Major establishments like the Cochin shipyard, Kerala High Court, and the office of the Kochi Municipal Corporation are located in this area. Ernakulam is also the Central Business District of Kochi. The Marine Drive and the MG Road of this district remain bustling throughout the day.

Thus, the roads of Ernakulam are always clogged with traffic round the clock.

Therefore, if you are a vehicle owner residing in Ernakulam, the need for a car insurance policy is crucial. It will help you to financially protect yourself from expenses due to damage, loss or any other unfortunate incident involving your car.

In case you are looking for one, you can choose Digit as your car insurance service provider.

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

• 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

Here’s what Digit provides to car insurance policyholders in Ernakulam. 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.

• 24X7 Customer Support: The customer care executives of Digit are always there to solve any query related to your car insurance plan. They happily serve you even if you call on a national holiday.
• Easy and Fast Claim Settlement Process: Digit’s smartphone-enabled self-inspection process has made their car insurance claim settlement policy easier. Call us, and you will receive a link to your registered contact number. Next, follow a stepwise guide and take pictures of the damages caused to your vehicle. The concerned team will look into the matter and get back to you with an estimate. When claiming your car insurance policy, you can choose a Reimbursement or go for a Cashless service at any of Digit’s network garages. Digit comes with a high claim settlement ratio for private cars. It offers a convenient way of filing a claim for a car insurance policy online. The whole process is completed in a matter of minutes, eliminating the need to fill out several forms and submit multiple documents.
• Option to Customise IDV: The Insured Declared Value or IDV of your vehicle has a direct impact on the car insurance policy's premium and the sum insured. Thus, choosing the IDV based on your convenience is crucial. Digit prioritises transparency and thus provides its clients the option to customise the IDV at their convenience.
• Cashless Repairs from Thousands of Network Garages: When you opt for a Cashless service while claiming your car insurance policy, you can have it done at Digit’s network garages. There are numerous such garages all over India from where you can get your car fixed without any additional payment.

Opting for a car insurance policy from Digit can save your car in the following ways:

• Choose From a Range of Car Insurance Policies: The range of car insurance policies that Digit provides are:

  • Third-party Car Insurance: When you opt for a third-party car insurance plan, you are financially insured against damages caused by your car to third-party properties, vehicles, or individuals. According to the Motor Vehicles Act, 1988, having at least a third-party car insurance is mandatory for all vehicle owners. 
  • Comprehensive Car Insurance: A comprehensive car insurance plan financially covers expenses for both damages to your car and third parties in the event of an accident or mishaps. It also provides financial cover for damages due to natural and man-made disasters and theft.
  • Own Damage: 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.
• Personal Accident Cover: Having a personal accident cover provides you financial coverage for expenses due to permanent disabilities, injuries, or death in case of an accident. Having a personal accident cover is essential for every car owner, and getting one from Digit will financially secure your family and take care of your medical treatment costs.
• Extend Coverage with Add-ons: You can include add-ons with a comprehensive car insurance policy from Digit. This will need additional expenses but provide you added benefits in exchange that can benefit you in a number of situations. For example, you can opt for passenger protection cover. This add-on will offer financial protection for expenses due to damages caused to your family members in the event of an accident. You can also opt for a return to invoice cover. If your car gets damaged beyond repair in an accident, Digit will refund the complete value that is mentioned on the invoice.
• Avoid Legal Penalties: Apart from providing financial cover in the event of an accident, a car insurance policy also protects you from legal penalties. According to the Motor Vehicle Act of 1988, it is mandatory to have at least a third-party insurance policy. Driving without a car insurance policy can lead to a heavy fine of ₹ 2,000. In case you repeat this offence, the fines will increase to ₹ 4,000. In extreme cases, it may even lead to a cancellation of your driver’s licence or 3 months of imprisonment.

Thus, purchasing a car insurance policy from Digit will save you from all these troubles and help you manage and avoid unwanted money outflow in case of any issues with your car.