Car Insurance in Guntur

If you are a vehicle owner in India, having a car insurance policy is a must. It helps you avoid unnecessary financial losses in the event of an accident, theft or loss. A car insurance policy can be quite beneficial, especially when you are a car owner in a city like Guntur. It is the administrative headquarters of the Guntur district in Andhra Pradesh and a major export hub. The roads of this metropolitan remain busy throughout the day.

If you are looking for a car insurance policy in Guntur, opt for Digit. Digit is a reputed car insurance provider that comes with a high claim settlement ratio.

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 Car Service: Digit’s customer care team is available 24/7 to answer any of your queries related to your car insurance policy. They will happily take your call even on national holidays.
• Online Claim Settlement Process: Thanks to the smartphone-enabled self-inspection process of Digit, raising a car insurance policy claim has never been easier. The entire process takes a matter of minutes, and you do not have to share hard copies of your documents or fill out numerous forms. You simply have to call Digit in order to get a link to your registered number. Then you have to follow a step-wise guide and take pictures of the damaged parts of your vehicle. After this step, the team looking into the matter will get back to you with a quote. Based on your preference, you can either choose a Reimbursement or go for Cashless Repairs at any of Digit’s network garages. This quick and easy process of filing car insurance policy claims has made Digit maintain a high claim settlement ratio for private cars.
• Network Garages All Over India: Digit has a vast number of network garages all over India. You can take your damaged car to one of these facilities where you opt for Cashless Repairs while claiming your car insurance plan. This allows you to get your vehicle fixed without any additional spending from your pocket. Furthermore, there is a warranty of six months for any repairs that you get done from one of these network garages.
• The Option to Customise Your Car’s IDV: The IDV or Insured Declared Value of your vehicle is crucial to determine the premium and sum insured for your car insurance policy. Digit gives you the opportunity to customise the IDV of your vehicle based on your convenience and budget. This helps this insurance provider maintain transparency with all its clients.

Check out the ways in which a vehicle insurance policy from Digit can save your car in Guntur:

• Avoiding Legal Complications: Having a car insurance policy is not only important for safeguarding yourself financially in the event of an accident, but it is also necessary for avoiding legal complications. The Motor Vehicles Act, 1988 mandates that every vehicle owner should have at least a third-party motor insurance cover. If the authorities catch you driving your car without a valid insurance policy, there will be a fine of ₹ 2,000. For subsequent offences, the fine will rise to ₹ 4,000 and may include 3 months of imprisonment. Furthermore, the authorities may also decide to suspend your driving licence.
• Choose from Various Car Insurance Plans: Digit offers three types of car insurance policies. They are:
  • Third-Party Car Insurance: This type of insurance policy provides financial coverage for damages caused by your car to third-party individuals, properties and vehicles during an accident. 
  • Comprehensive Car Insurance: A comprehensive car insurance plan provides financial cover for damages caused to your vehicle and third parties in the event of an accident. Furthermore, this type of insurance policy also provides financial coverage for damages due to fire, natural calamities, theft or man-made disasters.
  • 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.
• Customise Your Policy With Add-ons: When you purchase a comprehensive car insurance plan from Digit, you get the option to customise it with various add-ons. You get to extend the policy coverage at nominal extra costs. For instance, you can choose zero depreciation cover. With this add-on, your insurer will pay for compensation without taking the depreciation of car parts into account. You can also opt for a return to invoice cover. If your car is damaged beyond repair due to an accident or is stolen, Digit will pay the entire amount mentioned in the invoice. This cover is ideal if you have a new car. Likewise, there are various other add-ons that you can opt for based on your preference.
• Personal Accident Cover: A personal accident cover provides financial coverage in case you suffer from bodily injuries, permanent disabilities or death in the event of an accident. This cover will help you obtain compensation for medical costs and ensure that your family remains financially secure in such a situation. Additionally, having a comprehensive health insurance plan can help cover hospitalisation costs incurred in treating any injury resulting from an accident.

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

• 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