Car Insurance in Panipat

Panipat is a historical city of Haryana. Panipat houses several textile industries and is often called a "city of weavers" or "textile cities". Besides textiles and carpets, it has several other small and medium-scale industries such as refinery, fertilisers, etc.

Being one of the busiest cities, Panipat attracts huge traffic on a daily note. Moreover, most commuters use private cars in this city. If you are a car owner in Panipat, you should opt for a car insurance plan to avail financial protection in the event of a mishap or an accident.

You can choose Digit Insurance as your car insurance provider. With Digit car insurance, you get 24/7 customer support and quick claim settlement.

Digit car insurance policies provide ample benefits. Some of them are listed below:

• Customise Your Vehicle IDV: IDV or Insured Declared Value represents the current market value of your car. It is one of the essential factors that directly affect the premium amount and the sum insured. Digit provides you with the liberty to customise your vehicle IDV according to your convenience and budget.
• 24/7 Customer Support: Digit values each customer and attempts to solve their insurance-related queries in the best possible ways. Therefore, you can get 24/7 assistance irrespective of weekly and national holidays.
• Cashless Repairs at Multiple Network Garages: You may face an unexpected vehicular breakdown while travelling, and the repair cost can be unaffordable at that moment. Digit offers cashless repair options from their network garages to assist you in such needy moments. You can opt for a cashless mode of repair while choosing Digit's comprehensive insurance policy. With this feature, you can get the vehicular damages repaired from the network garages without bearing any additional charges from your pocket. Moreover, every Digit network garage provides a 6-months warranty on repairs.
• Super-fast and Easy Claim Settlement: Digit can offer a quick claim settlement to its policyholders. The online car insurance claim settlement process eliminates the hassles of paperwork and document submission. Moreover, the entire procedure takes only a couple of minutes. The smartphone-enabled self-inspection method made the claim settlement procedure easy and convenient. You need to call Digit's toll-free number from your registered mobile number to get the link for self-inspection. Follow the stepwise guide, capture photos of your vehicle's damages from your smartphone and send it to them. Once they receive it, the concerned team will get in touch with you along with the estimation. You can choose the Cashless or Reimbursement mode of repair as per your convenience and proceed further. This online claim settlement procedure has enabled Digit to achieve a high claim settlement ratio for private cars.

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

• Select from Range of Car Insurance Policies: When you opt for Digit, you can choose from the following car insurance plans types:

  • Third-party Car Insurance: This insurance policy provides you financial assistance to cover the expenses of damages and losses caused by your car to a third-party individual or property. 
  • Comprehensive Car Insurance: A comprehensive policy provides coverage for expenses arising out of personal damages and losses besides covering third-party liabilities. This policy also covers the policyholder from damages caused by natural and man-made calamities and theft.
  • 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: A car owner must abide by the Motor Vehicles Act 1988 that mandates every vehicle must have a third-party policy. If you are found driving without a valid insurance policy, you will have to pay hefty penalties of ₹ 2,000. However, this amount can increase up to ₹ 4,000 in case of repeated offences. Furthermore, it can even lead to suspension of driving license and imprisonment of 3-months in some cases.
• Get Personal Accident Covers: A personal accident cover provides you with financial assistance to cover expenses for permanent disabilities, bodily injuries, and life loss caused by car accidents. Thus, when you purchase a car insurance policy from Digit, you ensure your family's financial security in case of unforeseen incidents.  You can also consider Digit’s health insurance for extended hospitalisation coverage due to accidents.
• Customise With Add-ons: Digit offers you an option to customise your comprehensive car insurance policy with a range of add-ons. You need to pay a nominal additional charge to avail these added benefits. They offer added coverage to maximise your financial safety. For instance, you can opt for a zero-depreciation cover. If you have this add-on, then no depreciation value will be deducted, and you will get a higher amount in compensation. There are several other add-ons such as breakdown assistance, consumable cover, tyre protect cover, return to invoice cover and many more. So, by paying a slightly extra charge, you get to extend the policy coverage and enjoy additional financial protection.

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

• 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