Car Insurance in Kannur

Kannur, previously Cannanore, is a city located in the state of Kerala which shares proximity with the vital port city and commercial hubs like Kochi and Mangalore. It is the sixth biggest urban region of Kerala, noted for various major tourist attractions like beaches, forts, temples, etc.

As Kannur shares boundaries with major surrounding commercial cities, the roads often face major congestion. The lack of traffic management, poor road conditions in some places and heavy monsoon often cause accidents and mishaps.

To protect your finances from any unpredictable mishaps, obtaining a car insurance plan for every Kannur car owner is advisable. Digit can be a suitable option if you are planning to buy a car insurance plan in Kannur.

Digit stands out with its fast claim settlement procedure and 24/7 customer assistance.

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.

• 24/7 Customer Support: The customer care representatives of Digit are present 24/7 to attend your calls. So, if you have any concerns related to your car insurance policy, feel free to get in touch with us anytime. Moreover, we understand that there can be a vehicular emergency on any day. Hence, Digit's customer care executives are available even on national holidays.
• Availability of Thousands of Network Garages: Digit has thousands of network garages spread all across India. You can choose to have the Cashless Repair done at any of the nearest garages. You will be able to fix your car damages without paying any extra amount. Moreover, you also get a six months warranty for repair services done at any of Digit's network garages.
• Simple and Fast Claim Settlement Process: The smartphone-enabled self-inspection feature makes the claim settlement process for Digit totally hassle-free. All you have to do is give us a call on a dedicated number to receive a link on the listed contact number. After this, you will need to follow a step-by-step process and click and upload pictures of the damaged area of your car. Once we receive the pictures, our executive will get back to you with an appropriate estimate. You can then proceed with selecting the preferred mode of repair. The online method of filing claim settlement process completely eliminates the hassles of manually filing multiple forms and submitting a handful of documents.
• Insured Declared Value Customisation: Digit allows you to customise the Insured Declared Value of your car, which is the present market value. IDV determines the premium of the car insurance plan and the sum insured. This means that insurance premiums will be high if IDV is higher. When you opt for Digit car insurance, you get to customise the IDV as you prefer.

Let us see how Digit car insurance can protect you from unforeseen incidents in Kannur:

Select from Multiple Car Insurance Policies: If you are selecting Digit's car insurance plans for your vehicle, you can choose from any of the following insurance plans:

• Comprehensive Car Insurance: A comprehensive car insurance plan is one that offers coverages from both personal and third-party damages.
• Third-Party Car Insurance: A third-party car insurance plan is one that offers coverages against the losses caused to third-party cars, property or persons.
• 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.
• Personal Accident Cover: A personal accident cover is mandatory for every car owner while buying an insurance plan. It not only protects your family's finances in your absence but also covers medical bills and family income loss. Personal accident cover will keep your worries at bay, offering maximum protection to your family in the event of death or permanent disability. You can also get a health insurance plan that can provide you with more extensive coverage during hospitalisation.
• Avoid Legal Issues: In India, as per the Motor Vehicles Act, 1988, it is mandatory to get third-party car insurance for every vehicle owner. Moreover, not having an insurance plan will lead to fines of ₹ 2,000. This may also lead to 3-months of imprisonment or even cancellation of driving license in case of certain circumstances. Hence, getting a Digit car insurance plan is necessary to steer clear of legal penalties.
• Customised Add-on Covers: If you are choosing the comprehensive car insurance plan from Digit, you will be able to customise it with add-on covers. These add-ons offer additional advantage, which is over and above the comprehensive policy. Based on your convenience and budget, you can include add-ons by just paying a nominal extra amount. For example, if you choose roadside assistance as an add-on, we will offer financial coverage for repair and replacement costs due to vehicular breakdown. In addition to this, you can choose other add-ons like zero depreciation cover, tyre protect cover, passenger cover and many more.

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

• 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