Daily Allowance Benefit Add-on Cover

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What is Daily Allowance Benefit Add-on Cover in Car Insurance?

Digit’s Daily Conveyance Benefit is an add-on cover in car insurance where the insurer will compensate the transportation cost incurred by the policyholder during the repair period due to the non-availability of the insured vehicle. 

The benefit can be helpful when the insured vehicle has met with an accident as the add-on cover will offer continued connectivity and help tackle the financial burden arising from it.

The claim for damage or accidental loss filed with the insurer must be admitted under the Own Damage section of car insurance policy to avail the benefit of daily conveyance add-on cover.  

Note: Daily Allowance add-on cover in Car Insurance has been filed as Digit Private Car Daily Conveyance Benefit with Insurance Regulatory and Development Authority of India (IRDAI) with UIN number IRDAN158RP0005V01201718/A0011V01201718.

Why is Daily Conveyance Benefit a critical Add-on Cover?

Whenever the question regarding the importance of an add-on cover comes up, it is important to consider the fact that sometimes the cost incurred for repairing damages of the insured vehicle could include a slew of other expenses, such as arranging for daily commutes. 

Third party car insurance is mandatory by IRDAI, in such instances, having the add-on cover of daily conveyance comes handy, as it ensures that the insurer offers conveyance allowance. At the same time, the damage to the insured vehicle is being repaired in the garage.

What is covered under Digit’s Car Insurance Daily Conveyance Add-on Cover?

Get Paid a Fixed Allowance Per Day

The car key replacement add-on cover enables the insurer to get compensation for the cost incurred as part of the lost key cover of the vehicle’s key in case of theft or burglary or accidental loss during the policy period. However, the policyholder shall report the theft or burglary  immediately or within three days of the incident and lodge an FIR with the police to obtain a crime reference and lost property report.

A Standby Car for Your Transport

You can also be provided with an alternate vehicle for your daily commute during the period when the damage is being repaired. 

Coupons From Well-Known Taxi Operators

Another benefit is getting vouchers from Ola and Uber for an amount equal to the daily fixed allowance.

What is not covered?

The add-on cover of Daily Conveyance Benefit comes with specific exclusions in addition to those listed under the car insurance policy. They are listed below:

  • The insurer would not entertain any claim if the policyholder and the one mentioned in the policy schedule opted for time excess.  

  • If the car insurance policy is invalid, the insurer is not liable to pay for any claim.  

  • No claim will be entertained if the damage is not repaired by the Digit-authorized repair shop.  

  • Loss/damage arising from perils like an Act of God, riots, and strikes will not be entertained.  

  • The insurer is not liable to pay any operating cost of the standby vehicle if provided. 

  • Claim filed for only windscreen or glass damage under the car insurance policy is not covered.  

  • Loss claimed/covered under any other type of insurance policy is not covered.  

  • The insurer will not entertain the extra time taken by the garage for repairing pre-existing damage in the insured vehicle.  

  • Own damage claim made under the car insurance policy is not admitted/payable.

Disclaimer - The article is for informational purposes, collected across the internet and with respect to Digit’s Policy Wordings document. For detailed coverage, exclusions, and conditions about Digit Private Car’s Daily Conveyance Benefit add-on cover (UIN: IRDAN158RP0005V01201718/A0011V01201718), go through your policy document carefully.

FAQs About Daily Allowance Benefit Add-on Cover in Car Insurance