Shimla is the largest city and capital of the northern Indian state of Himachal Pradesh. Notably, it is the principal cultural, educational and commercial centre of the state. It is also a popular hill station and a tourist destination that draws a massive number of tourists from all over the country and the world.

Being a highly popular tourist destination and a large city with various economic and commercial activities, the city sees considerable footfall and traffic congestion. The peak seasons can be particularly quite chaotic.

Such a substantial footfall can result in unforeseen road mishaps or car accidents. This can further lead to significant financial loss. That is why all car owners must purchase a car insurance plan in Shimla to safeguard themselves from any such financial loss.

If you are seeking a renowned insurer to buy a car insurance policy in Shimla, opt for Digit, given the several benefits that it offers, including a quick claim settlement procedure.

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

• 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

Here is what car insurance policyholders in Shimla can benefit from if they opt for Digit:

• Wide Network of Garages for Cashless Repairs: Digit comes with a vast chain of cashless network garages to choose from for private cars across India. Thus, individuals need not worry about the money spent on repairs or replacements. You can simply get the repairs done without spending any money from your own pocket.
• 24x7 Support Even on National Holidays: The customer support representatives at Digit are always available to clear any doubts or queries related to the car insurance plan. This is irrespective of the day or time and also includes national holidays.
• Rapid Claim Settlement: Digit boasts rapid claim settlement, with an excellent claim settlement ratio for private cars. With Digit, you get to benefit from a 3-step totally digital claims procedure. So, you need not worry about the claim settlement formalities. Besides taking only a few minutes to complete, this online procedure eliminates the hassles of filling out forms and submitting several documents. You just need to place a call to us. Then you would receive a link for self-inspection on the registered mobile number. After that, you can take pictures of the vehicle’s damages simply with a smartphone and complete the process easily. Finally, you need to opt for the desired mode of repair- reimbursement or cashless via the network of garages.
• Option to Customise IDV: The IDV or Insured Declared Value forms one of the most important components of car insurance as it directly impacts the car insurance premium. Also, it directly affects the claim amount at the time of claims. Digit allows individuals to customise their IDV according to their choice.

These are the various ways in which buying car insurance from Digit can help safeguard individuals financially against any mishap in Shimla:

• Get to Opt from an Array of Car Insurance Policies: Digit provides the following Three types of car insurance plans in Shimla:

  • Comprehensive Car Insurance Plan: Comprehensive car insurance from Digit is an all-inclusive policy covering both own and third-party damages to the car. This also covers losses due to unforeseen losses caused due to natural calamity, an accident, theft or fire. 
  • Third-Party Car Insurance Plan: A third-party car insurance plan from Digit covers individuals against liabilities that can take place in case of damage or loss caused to a third-party person, property or vehicle. However, this plan does not cover own vehicle damages. This car insurance plan is mandatory as per the Motor Vehicles Act in India.
  • Own Damage: 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.

• Customise Your Insurance With Add-Ons: You can get better coverage for their car with several add-on covers that are available with a comprehensive car insurance policy from Digit. Some of these include:

  • Return to Invoice Cover: This cover provides back the total value of a car’s invoice value if the damages are beyond repair or in case of theft. A return to invoice cover is ideal for new cars.
  • Consumable Cover: This cover provides financial coverage for expenses related to some of the essential car components like screws, engine oils, nuts, grease, lubricants etc. Besides these, Digit offers several other add-ons like breakdown assistance, tyre protection cover, passenger cover and more.
• Personal Accident Cover: A personal accident cover is vital for any vehicle owner. It will offer you financial coverage in case of permanent disabilities, any injuries or death caused due to a car accident. Buying a personal accident cover from Digit will let you secure your family financially in times of any mishaps.
• Avoid Legal Troubles and Fines: As per the Motor Vehicles Act, 1988, all vehicle owners should at least have a third-party car insurance policy. In case you are driving without a car insurance plan, there is a hefty fine of ₹ 2,000. Also, this fine may increase to ₹ 4,000 if you repeatedly commit offences. There can be 3-months imprisonment and even suspension of your driving license in certain cases.

Thus it’s quite evident that one can benefit in several ways by opting for a car insurance policy with Digit in Shimla.