Car Insurance in Howrah

Howrah, the second largest city in West Bengal, is a major transportation hub and gateway to Kolkata. It houses the Howrah Railway station, which is the oldest and biggest existing railway complex in India. It is also the headquarters of the Howrah district.

Vehicle owners in this area face major challenges due to high population, excessive traffic, poor road conditions, rash driving and bad traffic management. Vehicle thefts also take place frequently.

So, if you are a car owner in Howrah, you need to have a car insurance policy to make sure that you have enough financial coverage in the event of an accident or theft. If you are looking for a motor insurance provider, you can end your search with Digit. We give you the option to customise the IDV of your vehicle based on your convenience.

When you purchase a car insurance online policy from us, we offer the following benefits:

• Option To Customise Your Vehicle’s IDV: The Insured Declared Value or IDV of your car influences the sum insured and premium of your vehicle insurance policy. Thus, we give you the option to customise it according to your convenience. Remember to select a suitable IDV. The more the IDV, the more would be your sum insured and policy premium.
• Online Claim Settlement Process: All the claims raised against our car insurance policies are settled by us online. Our smartphone-enabled self-inspection process makes claim settlement quick, paperless and hassle-free. You simply have to call us in order to get a link to your registered contact number. Then, you need to follow a step-wise guide and upload pictures of the damaged portions of your car. Our team will assess the situation and get back to you with a quote. After that, you can choose to either get a Reimbursement or go for Cashless Repairs. The simplicity of our claim settlement process has helped us maintain a high claim settlement ratio when it comes to car insurance.
• 24/7 Customer Assistance: Our customer assistance team is available 24 hours a day to provide assistance to our customers. Call us for any queries that you may have related to your car insurance policy, and we will be happy to help you out. Furthermore, even if you call us on a national holiday, we will happily take up your case.
• Thousands of Network Garages Pan India: Digit has thousands of network garages all over India. When you opt for Cashless Repairs, you can take your damaged car to one of these garages, and they will do the necessary repairs. In addition, all the repair work done by our network garages has a warranty of 6 months on them. Your car gets fixed without any extra spending from your end.

Besides providing financial cover after an accident, a car insurance policy has other roles too:

• Avoiding Legal Penalties: The Motor Vehicles Act of 1988  made it compulsory for vehicle owners to purchase a third-party cover. If you drive your car without a valid vehicle insurance policy, the authorities may punish you with a penalty of ₹ 2,000. Additionally, if you repeat this offence, this fine will rise to ₹ 4,000. In some rare cases, the authorities may also decide to suspend your driving licence and punish you with a 3-month jail sentence. Hence, apart from sudden financial loss due to unforeseen mishaps, a car insurance policy also saves you from unnecessary legal hassles.
• Select From Various car Insurance Policies: Digit has three types of vehicle insurance policies:
  • Third-Party Car Insurance: A third-party car insurance plan provides financial coverage for damages by your car to third-party vehicles, properties or individuals.
  • Comprehensive Car Insurance: A comprehensive car insurance plan provides financial cover for expenses due to damages to your vehicle and third parties in the event of any mishap.
  • 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.
• Add-ons To Extend Policy Coverage: Digit gives you the opportunity to extend the coverage of your car insurance policy with the help of add-ons. When you purchase a comprehensive car insurance policy, you can buy add-ons for nominal extra costs. They provide you with multiple benefits and help you out in a number of situations. For example – return to invoice cover. There can be situations in which your car gets totalled or damaged beyond repair in the event of a mishap. In such cases, if you have this add-on in your car insurance policy, we will pay the entire amount mentioned on the invoice. Other add-ons include zero depreciation cover, consumable cover, roadside assistance cover, etc.
• Personal Accident Cover: Having a personal accident cover is necessary when buying a motor insurance plan. It is a compulsory extension that you have to choose while purchasing a vehicle insurance cover as per the law. In case you suffer from bodily injuries or permanent disabilities due to an accident, this cover provides financial coverage for your medical expenses. In the event the car owner dies, the nominee will receive the necessary compensation. Therefore, a PA cover will provide financial security for your family. Also, having separate health insurance can help you cover the expenses during such situations.

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

• 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