Car Insurance in North 24 Parganas

North 24 Parganas is one of the most populous districts in southern West Bengal, India. Besides, it houses notable Indian and multinational IT companies.

Therefore, given its population and several company set-ups, thousands of people commute to this place regularly via convenient modes of transport, such as cars, leading to immense traffic and over-crowdedness. This can give way to unforeseen car accidents leading to considerable financial loss.

Therefore, every car owner needs to buy a car insurance plan in North 24 Parganas to safeguard themselves from such unexpected financial loss.

If you are looking for a reputed insurer for purchasing a car insurance policy in North 24 Parganas, consider Digit for its quick claim settlement process and other lucrative benefits.

Know what Digit has to offer to its car insurance policyholders in North 24 Parganas:

• Quick Claim Settlement: Digit has already settled several claims for private cars, thanks to its online process of filing a claim against a car insurance policy. The online process takes a few minutes to complete and eliminates the hassle of filling out several forms and submitting loads of documents.
• Easy Claim Settlement Process: Claiming against your car insurance policy has been made simpler by the smartphone-enabled self-inspection process. All you need to do is call Digit, and you will receive a link to your registered contact number.

Click the pictures of damages caused to your vehicle by following a stepwise guide. Send those images, and the concerned team will check them and get back to you with an estimate.

• Network Garages for Cashless Repairs: You can select any of your nearest network garages for availing cashless repairs for your damaged car. This means you can get the claimed repairs done without spending additional money from your pocket.
• Option to Customise IDV: IDV or Insured Declared Value directly impacts the sum insured and premium of a car insurance plan and choosing the same is essential. Digit believes in transparency and therefore offers every car owner the option to customise IDV according to their convenience.
• 24x7 Customer Support: No matter which time or day you call for queries regarding your car insurance plan, customer support representatives are always available to clear your doubts, even on national holidays.

Take a look below to know how purchasing car insurance from Digit can safeguard you financially against unforeseen mishaps:

• Choose From a Range of Car Insurance Policies: Digit offers two types of car insurance policies:

Third-party Car Insurance - The Motor Vehicles Act, 1988 mandates that every car owner buys at least a third-party car insurance policy. This car insurance plan financially covers the damages caused by your car to third-party properties, individuals, or vehicles. 

Comprehensive Car Insurance - A comprehensive car insurance policy provides adequate financial coverage, covering both damages caused to your own car and third party. Apart from that, it also covers damages caused due to theft, man-made and natural calamities.

• Avoid Legal Penalties: You should purchase a third-party car insurance plan not only to protect yourself from financial loss caused due to accidents but also to avoid paying a hefty fine of ₹ 2,000. In case of subsequent offences, this fine increases to ₹ 4,000. In selected cases, authorities can also imprison you for up to 3 months or suspend your driving licence for driving a car without a car insurance plan.
• Personal Accident Cover: You must purchase a personal accident cover. This cover offers monetary assistance for permanent disabilities, bodily injuries, and death caused due to an accident. Therefore, purchase personal accident cover from Digit to cover the cost of your medical treatment and secure your family financially.
• Customise With Add-ons: You can opt to customise your comprehensive car insurance policy with add-ons against additional expenses. The add-on covers include Zero Depreciation Cover,  Return to Invoice Cover, Tyre Protect Cover, Breakdown Assistance, Consumable Cover, etc. For instance, adding a return to invoice cover to your comprehensive car insurance plan will provide you with compensation if your car gets stolen.

At the same time, passenger protection cover offers financial protection for damages caused to your family members during a car accident. Thus, you get additional financial protection over and above your comprehensive car insurance policy by nominally increasing its overall cost.