Car Insurance in Goa

Goa is probably one of the most popular holiday destinations in India. Its sandy beaches, active nightlife, World Heritage-listed architecture, and places of worship attract tourists both from India and abroad.

This high inflow of tourists and partygoers leads to massive traffic congestion. Furthermore, rash driving, inefficient traffic handling and poor road conditions often lead to unfortunate incidents and vehicular damages. Vehicle thefts also take place frequently.

Therefore, if you are a car owner in Goa, having a vehicle insurance policy is of utmost importance. A car insurance plan will help you protect yourself from financial losses due to theft, accident or other car damages.

In case you are looking for a reliable insurance policy provider, you can end your search by opting for Digit.

In order to find out what our insurance plan offers, keep reading.

Digit offers its car insurance policyholders the following benefits:

• 24-hour Customer Service: The customer service team of Digit is ready to take your calls 24/7. They will happily clear your doubts regarding your car insurance policy even on national holidays. So, in case of any doubts or issues, feel free to get in touch with us any time you wish.
• Paperless Settlement of Claims: Digit's smartphone-enabled self-inspection process enables us to settle claims against your car insurance policy online. There is no need for paperwork, thereby saving time and a lot of hassles. To start the process, you have to call Digit in order to get a link to your registered contact number. Then, you must follow a step-wise guide and upload pictures of the damaged portions of your vehicle. After this, the team looking into this matter will get back to you with an estimate. Then, you can choose a Reimbursement or go for Cashless Repairs based on your convenience. This straightforward procedure has enabled Digit to maintain a high claim-settlement ratio when it comes to car insurance plans.
• Vast Chain of Network Garages All Over India: If you choose Cashless Repairs while claiming your car insurance policy, you can take your damaged vehicle to one of Digit's network garages. There are thousands of them all over India, and you can visit one that is the nearest to your location. This will ensure that you can get your car damages fixed without any extra expenses from your end. Furthermore, Digit's network garages give you a 6-month warranty on all their repair works.
• Options to Customise the IDV of Your Car: The IDV or Insured Declared Value of your car largely influences the sum insured and premium amount of your car insurance policy. In order to maintain transparency, Digit allows you to customise the IDV based on your convenience. Do remember that you have to pay a higher premium if you set a higher IDV.

Other than providing financial coverage in the event of an accident, a car insurance plan has other roles too:

• Preventing Legal Issues: The Motor Vehicles Act of 1988 mandates every vehicle owner to have at least a third-party insurance cover. If the authorities catch you driving without a valid vehicle insurance policy, there will be a hefty fine of ₹ 2,000. Moreover, if you are found repeating this offence, this penalty will increase to ₹ 4,000. In addition, the authorities may also punish you by suspending your driving licence or 3 months of imprisonment.
• Personal Accident Cover: A personal accident cover is a compulsory extension that you have to take while opting for a car insurance policy. It protects you financially if you are injured or permanently disabled in the event of an accident. This cover will also protect the car owner's family financially in case of your death. The personal accident cover will offer assistance in case of loss of family income.
• Choose Among Various Car Insurance Policies: Digit offers two types of car insurance policies. They are:
  • Comprehensive Car Insurance Policy
  • Third-Party Car Insurance Policy

The two policies differ in terms of benefits and costs involved. So, choose one as per your requirement.

• Options to Choose Add-ons: When you choose a comprehensive car insurance plan, you can expand its coverage with the help of add-ons. They come at nominal extra costs but help you out in different situations. For example, you can opt for passenger cover. This add-on will ensure that the passengers in your car get financial coverage in case of an accident. As a driver, you are responsible for the safety of the passengers. Thus, having this add-on in your vehicle insurance will financially safeguard your passengers. In addition, you can also opt for roadside assistance. This add-on can be beneficial when you are stranded on the road with your car broken down. Digit will cover the cost of repair and replacements. Furthermore, this add-on also compensates expenses for towing services, taxi services, etc. The best thing about the Roadside Assistance add-on is that you can avail its benefits 24/7.