Kottayam, a city in Kerala, is the district headquarters of the Kottayam district. This city is home to many graceful churches, significant temples, soothing waterfalls, etc., which makes it a favourable vacation destination. Thus, it attracts tourists from all parts of the country.

Many reasons constitute the rising traffic on the roads of this city, tourism being one of them. Moreover, the exceeding number of cars and other vehicles and heavy rainfall lead to congestion and increases the risks of accidents and mishaps.

So, car owners in Kottayam need to opt for car insurance policies to protect themselves against the damages and losses caused during an accident or other incidents. As a responsible vehicle owner, you need to choose a reputed insurance provider like Digit to insure your car.

With Digit, you can get completely online claim settlement. Here’s more.

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

• 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

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.

• Superfast Claim Settlement: Digit maintains a higher claim settlement ratio against private car insurance policies. Digit’s claim settlement procedure is entirely online; therefore, there are no hassles with documentation or form fill-ups. The entire process is completed in a couple of minutes. With Digit’s smartphone-enabled self-inspection method, you can easily file a claim against your car insurance in minutes. Just call on the toll-free number to receive a link on your registered mobile number. Next, you need to follow the instructions and capture the pictures of damaged car parts from your mobile. Finally, you can complete the claiming procedure once you choose the suitable repair mode, that is, Cashless and Reimbursement modes.
• Options to Customise Your Vehicle’s IDV: IDV represents the current market value of your car. It is the maximum amount your insurer pays you if your car is stolen or damaged beyond repair. Thus, the Insured Declared Value directly impacts your insurance premium, and the sum insured. Digit allows every policyholder to customise their vehicle’s IDV according to their convenience.
• Pan India Chain of Network Garage: With Digit’s cashless claim, you can get your car repaired from any of their network garages without paying any additional charges from your pocket. There are thousands of Digit’s network garages all over India, and they provide a 6-months warranty on every repair. When you opt for a cashless mode of repair from Digit, all you have to do is take your car to a network garage. The rest will be taken care of by Digit and its network garage.
• 24/7 Assistance: Digit offers round-the-clock assistance to its clients in case of any queries. Whenever you are up with an insurance-related problem, call Digit for a prompt solution. Our team is available 24*7 irrespective of national holidays.

Digit helps you stay protected from unpredicted mishaps in many ways. Here are some of them:

• Avoid Legal Penalties: The Motor Vehicles Act of 1988 made it compulsory for every vehicle owner in India to have a third-party car insurance policy. You may have to pay a penalty of ₹ 2,000 if you drive without having any valid policy. However, for repeated offences, the amount can rise to ₹ 4,000; in some cases, the offender is even imprisoned for 3 months. Thus, opting for car insurance from Digit can save you from such legal penalties and hassles.
• Choose Different Insurance Policies: You can choose different car insurance policies according to your convenience. Digit provides the following car insurance policies:
  • Third-party Car Insurance
  • Comprehensive Car Insurance
  • Own Damage Car Insurance

You can buy any of these insurance plans depending on your requirement and budget.

• Option to Customise Add-ons: If you choose comprehensive car insurance policies, you get to include add-ons that can enhance your insurance coverage. By paying an additional amount, you can get suitable add-ons as per your choice. Digit offers a range of add-ons that extends the range of coverage of your insurance policy. For instance, the return to invoice cover helps you get a complete compensation of your car’s invoice value during theft or damages beyond repair. Moreover, this compensation includes the cost of registration charges and the road tax that you paid. This cover is suitable if you have a new car. Other covers include zero depreciation cover, consumable cover and more.
• Get Personal Accident Cover: Personal accident cover is a compulsory extension of vehicle insurance, as mandated by the country's motor laws. It not only assists you financially but also helps keep your family secure from unexpected monetary burdens. This cover provides financial assistance when the owner gets injured, is permanently disabled, or dies due to an accident. Additionally, if you have a health insurance plan, you can get coverage for hospitalisation and treatment for any injury included in your policy.