Car Insurance in Malappuram

Malappuram is the fourth largest urban agglomeration of the state of Kerala in terms of population. It also serves as the administrative headquarter for the Malappuram district. This city is also one of the fastest-growing urban areas in the world.

A huge percentage of the population in Malappuram chooses four-wheelers as their daily mode of transportation. Several cars run on the roads of this city every day. Therefore, every car owner must opt for a car insurance policy to cover the financial damages caused to their own car or third-party property due to an accident or other mishaps.

While searching for a reputed insurance provider, you may come across several names. One such name is Digit. When you choose them as your vehicle’s insurance provider, you get several benefits and facilities. Read further to know more about Digit’s insurance policies and their features.

Here’s why you should opt for Digit as a car insurance provider:

• Super-fast Claim Settlement: Digit’s claim settlement process is super-fast and free from the mess of documentation and filling up forms. Thus, you can raise a claim against your car insurance in minutes when you choose Digit. Moreover, Digit maintains a high claim settlement ratio for private cars. When you choose Digit as your insurance provider, you find the easiest way to file your insurance policy claims. The smartphone-enabled self-inspection method is what makes it possible. First, you need to call Digit’s toll-free number from your registered mobile number. Once you get the link, follow the stepwise guidelines and take pictures of the vehicular damages from your smartphone. After receiving the pictures, they will get back to you with an estimated quotation. Finally, you can choose your preferred mode of repair; Cashless or Reimbursement.
• Cashless Repairs From Network Garages: With Digit, you can get a cashless mode of repair for your vehicle during the hours of need. They come with thousands of network garages across India. You can get your vehicle repaired from any of the nearest network garages without paying a single penny from your end. Besides, you get a 6-month warranty on every repair from any of their network garages.
• 24x7 Customer Assistance: Digit values the concern of every client, and therefore, we try to resolve your insurance-related queries at any hour of the day. Moreover, the customer assistance team is available on national holidays as well. Whenever you reach Digit, you get a quick answer to all your questions.
• Customise Your Vehicle’s IDV: IDV or Insured Declared Value represents the current market value of your vehicle, and it directly impacts your insurance policy’s premium and the sum insured. Therefore, Digit allows every car insurance policyholder to customise their vehicle’s IDV according to their convenience and budget.

Digit car insurance ensures you financial protection and other coverage during unforeseen incidents. Here are some of the ways their car insurance can save your vehicle:

• Choose Various Car Insurance Policies: Digit offers you the following three types of car insurance policies:

  • Comprehensive Car Insurance: A comprehensive car insurance policy cover the damages caused to your car and other third-party liabilities. Furthermore, it also covers damages caused to your car by natural calamities and theft.
  • Third-party Car Insurance: This car insurance policy provides financial assistance to cover the damages and losses caused by your car to third-party property or life.
  • 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 Legal Penalties: Every Indian vehicle owner must opt for a third-party car insurance policy to abide by the provisions of the Motor Vehicle Act 1988. According to this Act, opting for third-party car insurance while purchasing a vehicle is mandatory. If you drive without a valid insurance policy, a hefty penalty of ₹ 2000 will be charged as a penalty. In case of repetitive offence, the amount may rise to ₹ 4000. However, authorities may even imprison you for 3 months or suspend your driving license in some selective cases.
• Customise With Add-ons: When you opt for a comprehensive car insurance policy from Digit, you get options to choose add-ons as per your convenience. Though you need to pay extra monthly charges, the benefits they offer are worthwhile. For instance, on choosing a consumable cover, you get coverage for expenses that you may incur for lubricants, engine oil, and other items. There are various other add-on covers that you can choose from Digit Insurance.
• Get Personal Accident Cover: A personnal accident cover provides coverage for the financial expenses that you can incur for injuries, permanent disabilities and deaths caused during an accident. Therefore, every car owner needs to opt for this cover to secure their family and loved ones from financial burden. It also compensates for income loss if the car owner is permanently disabled or passes away. Digit’s health insurance plan can further supplement this by covering hospitalisation expenses after an accident.

Digit car insurance helps you to get financial security and avoid legal complications in the event of any loss or damage due to an accident or any mishaps.

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

• 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