Go Digit Own Damage Insurance Guide: Everything You Need to Know

Owning a car comes with joy, freedom, and convenience—but also risks like accidents, theft, and natural damage. While third-party insurance is mandatory in India, it doesn’t cover damage to your own vehicle. That’s why many car owners choose Go Digit Own Damage Insurance for extra protection. Here's a complete guide in simple, point-wise format with explanations.

1. What is Own Damage Insurance?
   Own Damage (OD) Insurance is a policy that covers damage to your own car due to unforeseen events. This includes accidents, theft, fire, and natural disasters.
   It is different from third-party insurance, which only covers damage caused to someone else’s vehicle or property. If you already have third-party insurance, OD insurance ensures your own car is also protected.

2. Why Choose Go Digit for OD Insurance?
   Go Digit stands out for its digital, fast, and user-friendly insurance experience.
   From buying the policy online to settling claims through smartphone photos, Go Digit simplifies the entire process. It's ideal for those who want smart coverage without paperwork or delays.

   1. What Does Go Digit OD Insurance Cover? Go Digit’s Own Damage policy includes: • Accidental damage • Fire and explosions • Theft or burglary • Natural calamities (floods, earthquakes, storms) • Man-made risks (riots, strikes, vandalism) This gives you complete peace of mind whether you're on the road or your car is parked at home.

3. Add-Ons to Boost Your Coverage
   
   Go Digit offers several optional add-ons to enhance your OD policy:
   
   • Zero Depreciation: Full claim without deduction on replaced parts.
   
   • Engine & Gearbox Protection: Covers internal damage from water or oil leakage.
   
   • Return to Invoice: Reimburses full car value (not just market value) in total loss cases.
   
   • Tyre Protect: Covers damage to tyres and tubes.
   
   • Consumables Cover: Includes nuts, bolts, oil, and similar items in claims.
   
   These add-ons give your car extra protection, especially useful for new or premium vehicles.

4. Who Should Buy Go Digit OD Insurance?
   This policy is suitable for:
   • Car owners with existing third-party insurance
   • People in metro or accident-prone areas
   • Owners of new or expensive cars
   • Drivers living in flood-affected zones
   • Those looking for flexible, digital insurance options
   If you're looking for coverage that’s affordable and efficient, Go Digit OD is a smart choice.

   1. How to Buy Go Digit OD Policy Online You can buy your policy online in minutes:
   2. Visit Go Digit’s website or a trusted aggregator
   3. Enter your car’s registration and details
   4. Select “Own Damage” policy
   5. Choose IDV (Insured Declared Value)
   6. Pick any add-ons
   7. Review premium and pay online
   8. Receive the digital policy instantly No paperwork, no inspection in most cases, and you’re covered immediately.

5. Claim Process – Easy and Fast
   
   Go Digit is known for its smooth, app-based claims:
   
   • Register the claim online or via app
   
   • Upload damage photos for self-inspection
   
   • Choose between cashless repair or reimbursement
   
   • Submit required documents (RC, DL, claim form, FIR if needed)
   
   • Get approval and settlement quickly
   
   You can even track claim status online, making the process transparent and stress-free.