Car Insurance in Kozhikode

Kozhikode, or Calicut, is a metropolis city located in the state of Kerala. With a corporation population of more than 600,000, this city in Kerala is ranked as the second largest in the state and the 19th largest in the country. Calicut, one of Kerala's largest economic hubs, is considered a Tier 2 city by the Government of India.

The SH 29 crosses through the heart of the city. One of the most common modes of transportation in this area is using four-wheelers. The roads experience major traffic congestion throughout the day.

To avoid any unwanted financial drain due to mishaps and accidents while travelling on the busy roads of Kozhikode, you need to opt for a car insurance policy from Digit Insurance.

Digit is the ideal insurance provider for your vehicles which offers the fastest claim settlement process and continuous customer support. In addition to this, there are other benefits for which Digit can be a trusted insurance provider.

Let us check all the valuable benefits you can avail yourself from the Digit car insurance online policy:

• Availability of Multiple Network Garages: If you are selecting the Cashless repair mode, you can choose from the countless network garages available in India. You can get into any of these garages to get the damaged parts repaired without spending from your pocket. Moreover, you get at least 6 months of warranty on any repairs that are done in one of the network garages of Digit.
• Easy and Simple Claim Settlement Process: Digit makes the claim settlement process hassle-free with the smartphone-enabled self-inspection features. This makes the entire process extremely time-saving and systematic. You will have to first call on the provided number, upon which you will receive a link to the registered contact number. In the next step, you need to click pictures of the damaged portion of the car and follow step-by-step guidelines to upload those pictures. Once these pictures are received from our end, the concerned team will get back to you in no time. The time-saving claim settlement process makes Digit one of the top vehicle insurance companies in town.
• 24/7 Customer Support: If you ever face any query or seek assistance, Digit's customer representatives are just one call away. Digit customer care executives will take care of any worries efficiently, even on holiday.
• Customisation of IDV: The present market value of your vehicle is known as Insured Declared Value or IDV. Upon opting for Digit, you will get the benefits of customising the IDV of your car. IDV is an integral part of your car insurance plan as it determines your vehicle premium and the insurance sum insurance.

The facility to customise IDV based on the owner's convenience and budget is one of the pivotal USPs of Digit car insurance policies.

Let us check the various ways in which Digit vehicle insurance in Kozhikode can protect your vehicle:

• Personal Accident Cover: An accident can lead to heavy injuries, permanent disability or sometimes loss of life. A personal accident cover will help to keep your family financially safe. This cover will offer financial assistance for medical treatment of physical injuries, disabilities and even offer the much-needed cover to your loved ones in case of death. Separately, a health insurance policy is also beneficial in such situations, which provides comprehensive coverage for any treatment or injury.

Choose from Various Car Insurance Policies: Digit offers the advantage of selecting from three types of car insurance policies which are:

• Third-Party Car Insurance: According to the Motor Vehicles Act, obtaining a third-party car insurance policy is mandatory in India.
• Comprehensive Car Insurance: A comprehensive car insurance plan is an all-inclusive vehicle insurance policy that covers both own damages as well as the third-party losses.
• 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.
• Avoid Penalties: There are certain hefty penalties that the car owner might be liable for if they are caught driving without any valid insurance plan. As per the Motor Vehicles Act, 1988, such cases will lead to fines ranging from ₹ 2,000 to ₹ 4,000. In some situations, it may lead to the cancellation of your driving license and even 3 months of jail. So, having a car insurance plan helps you to steer clear of any legal complications.
• Customised Add-ons: Digit car insurance policy allows you to customise add-ons that ensure additional coverage at a nominal cost. These add-ons are available with comprehensive car insurance. You will be able to choose from the diverse range of add-ons available with Digit Insurance. These are breakdown assistance cover, engine and gearbox protection cover, tyre protection cover, zero depreciation cover and more. This means that with a nominal extra cost, you can extend your insurance plan coverage and avail extra benefits.

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

• 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