Thane is a district in the northeastern part of Salsette Island in Maharashtra. Due to its proximity to Mumbai and being a part of the Mumbai Metropolitan Area, the traffic in this area is high round the clock. Now, commuting in such an area via private car is risky, and incidents of accidents are quite common. So, having a car insurance policy is crucial in such circumstances.

When you are looking for a car insurance policy in Thane, you can choose Digit as your car insurance provider. Their online process of claiming a car insurance policy takes minutes, and you can do it from the comfort of your smartphone.

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

• 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

Take a look at the benefits that Digit provides with its car insurance policy:

• Fast and Easy Claim Settlement Process: Digit makes claiming your car insurance policy hassle-free. Their online smartphone-enabled self-inspection process removes the need for filing a load of paperwork and submitting hard copies of documents. When you want to make a claim, simply call them to get a link to your registered contact number. Then you have to follow a step-wise guide and click photos of the damaged parts of your car. The respective team will look into the matter and get back to you with a quote. Then, based on your preference, you can opt for Cashless Repairs or a Reimbursement. The entire claim settlement process gets over in a matter of minutes. This has helped Digit achieve a high claim settlement ratio for car insurance.
• Multiple Network Garages All Over India: When you opt for Cashless Repairs, you can go to any of Digit's network garages. They are present all over India. You can get the damaged portions of your vehicle repaired without any additional spending from your end. Digit will settle the bill on your behalf. Additionally, all the repairs that you get done from Digit's network garages have a guarantee of 6 months.
• Option to Customise Your Car's IDV: Digit prioritises transparency and so allows you to customise your car's IDV or Insured Declared Value. The IDV has a big influence on your car insurance policy's sum insured and the premium amount you pay. Hence it is important to customise the IDV according to your preference.
• 24X7 Customer Care: The customer care executives at Digit are available 24/7 to attend your call. They will happily solve your queries regarding your car insurance policy even on national holidays. You can be sure of getting round-the-clock assistance.

Other than getting financial coverage for your vehicle in case of an accident, there are a lot of ways in which a Digit car insurance policy can save your car:

• Avoiding Legal Penalties: The Motor Vehicles Act 1988 makes it mandatory for all vehicle owners to have at least a third-party insurance cover. If you are caught by the authorities driving your car without a vehicle insurance policy, there will be a fine of ₹ 2,000. Moreover, in case of repeated offence, the fine will increase to ₹ 4,000. The authorities can also penalise you with 3 months of imprisonment and cancel your driver's license.
• Personal Accident Cover: You need to have personal accident cover if you own a car. It provides financial coverage for any expense due to physical injuries, permanent disabilities and death in case of an accident. This cover will ensure that your family is financially compensated in case you undergo medical treatments. A personal accident cover will offer necessary financial assistance to your family in case of accidental death or total disability.
• Choose From Various Car Insurance Policies: Digit primarily offers three types of car insurance policies. They are:
  • Comprehensive Car Insurance: A comprehensive car insurance plan provides financial cover for costs incurred due to damages to your own vehicle and third parties. Furthermore, this policy also provides financial coverage for damages due to theft, fire, and man-made and natural disasters.
  • Third-Party Car Insurance: When you opt for a third-party insurance plan, you get financial cover for costs caused due to damages to third-party individuals, properties and vehicles. It helps you to stay clear of any financial liabilities arising out of third-party damages.
  • 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.
• Customise Your Insurance Policy With Add-ons: When you get a comprehensive car insurance policy from Digit, you get the advantage of enhancing the coverage with certain add-ons. These add-ons offer additional coverage, thereby protecting you from extra money outflow in case of any issues with your car. For example, Return to Invoice Cover. This add-on will ensure that if your vehicle is damaged beyond repair in the event of an accident, you will receive the amount mentioned in the invoice as compensation. Also, you can opt for Passenger Cover as an add-on. It provides financial cover for the person sitting with you in your vehicle in case of an accident. There are other add-ons too that you can choose according to your preference and requirements. All add-ons come at extra costs but expand the coverage provided by a comprehensive car insurance policy.