Car Insurance in Vijayawada

Vijayawada, the second largest city of Andhra Pradesh, is the administrative headquarters of the NTR district. Besides, it is considered the political, commercial, cultural, and educational capital of Andhra Pradesh. Vijayawada is one of the fastest-growing urban areas in India.

In a busy city like Vijayawada, roads are mostly covered with heavy traffic. Besides, heavy rainfalls often create hurdles for commuters. Increasing vehicle numbers, along with ill traffic management, often cause congestion. Resultantly, accident risks are high in this city.

Accidents and collisions cause severe damage to vehicles and can sometimes be fatal. If you are a car owner residing in Vijayawada, opt for car insurance to cover your finances against unforeseen incidents, theft and damages.

While searching for a reputed car insurance provider, you can rely on Digit Insurance for a complete solution. Digit offers you customised services and 24/7 customer support to enhance your convenience and experience.

You get a bundle of convenient features and benefits with a Digit car insurance policy. Here are some of them:

• Easy and Fast Claim Settlement Process: Digit offers a smartphone-enabled self-inspection method that helps you easily file an insurance claim. First, you need to proceed by calling Digit on the provided toll-free number from your registered mobile number. Next, you receive a link. Follow the stepwise guidelines to capture the images of damaged vehicle parts from your smartphone and send them. You will receive a quote shortly. Finally, you can complete the claim procedure after choosing either Reimbursement or Cashless mode of repair. Moreover, since the claim settlement process is entirely online, it does not require any paperwork or documentation. Furthermore, it just takes a couple of minutes to wrap up the entire procedure. Thus, besides being easy, their claim settlement process is super-fast.
• Option to Customise IDV: IDV or Insured Declared Value directly influences your car insurance's premium, and sum insured. Therefore, it's an essential part of your car insurance policy. When you choose Digit, you get an option to customise your vehicle's IDV according to your budget.
• Round-the-clock Assistance: Digit is always there to answer your insurance-related queries, whether it's a Sunday or a national holiday. In addition, you can reach the customer care executives 24 hours a day for a prompt solution to all your questions.
• Cashless Repairs from Digit Network Garages: Digit comes with thousands of network garages all over India. When you raise a claim with Digit, you can select the cashless repair mode from any of the network garages. This helps to get your car repaired from a Digit network garage without bearing any additional charges from your end. Furthermore, they offer a 6-months warranty on every repair. So, you can get the damaged car repaired from the nearest network garage at your convenience.

Digit car insurance can help you stay protected in various ways. Here are some of them:

• Choose Different Insurance Policies: Here are the three types of insurance policies that Digit offers you:

  • Third-party Car Insurance
  • Comprehensive Car Insurance
  • Own Damage Car Insurance

You can choose a policy as per your requirement and budget preference.

• Customise with Add-ons: Add-on covers offer extra coverage over and above the coverage that a comprehensive car insurance policy provides. However, you will need to pay a nominal additional charge on the premium amount. It helps in extending your policy benefits and coverage. Digit offers a range of add-ons that you can customise according to your preference. For instance, if you opt for the return to invoice cover, you can get your car's complete invoice value as compensation in case of damages beyond repair or theft. Moreover, the coverage includes the cost of registering a new vehicle as well as its road tax. Additionally, you might also go for roadside assistance cover. In case your car breaks down in the middle of the journey, this add-on cover will allow you to get your car fixed on the spot without any extra cost from your pocket. This add-on will also include coverage for towing services in case your car cannot be repaired on the spot.
• Avoid Legal Issues: According to the Motor Vehicles Act 1988, every Indian vehicle must be insured against third-party risks. If you are caught driving without a valid insurance policy, you need to pay a penalty of ₹ 2,000, which may go up to ₹ 4,000 in case of repeated offences. Moreover, in some particular cases, authorities even seize the driving license and imprison the person for 3-months.
• Get Personal Accident Cover: Every vehicle owner must opt for a personal accident cover. It helps to cover the financial expenses of the car owner's medical treatment for physical injuries and permanent disability. This cover also provides financial security to the car owner's family in case of the car owner's death. Complement it with a health insurance plan to cover hospital charges and medical expenses in the event of an accident.

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

• 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