Go Digit Private Car Insurance

What Does It Cover?

Section I - Own Damage

Go Digit Private Car Insurance provides you protection for any loss or damage that may occur to your vehicle and its accessories in the event of –

• Fire, explosion, self-ignition, or lightning.
• Burglary, housebreaking, or theft.
• Riot or strike.
• Earthquake, including fire and shock damage.
• Tempest, typhoon, hurricane, flood, storm, cyclone, inundation, hailstorm, frost.
• Accidental external damage.
• Malicious acts.
• Terrorist activities.
• While the vehicle is in transit, whether on the road, rail, inland waterway, lift, elevator, or air.
• Landslide or rockslide.

Replaced parts are subject to a deduction for depreciation as listed below –

• Rubber, nylon, plastic parts, tyres, tubes, batteries, and airbags are subject to a 50% deduction.
• Fibreglass components have a 30% deduction.
• No depreciation will be applied to parts made of glass.
• For all other parts, including wooden ones, the depreciation rate follows the schedule below –

• For painting expenses, a 50% depreciation rate applies exclusively to the material cost. If you receive a single consolidated bill for painting charges, the company will treat 25% of the total painting charges as the material component when applying depreciation.

Section II: Liability to Third Parties

Go Digit Private Car Insurance will provide you compensation for –

• Bodily injury or death caused to any someone else involving your vehicle.
• Damages to property, excluding property owned by you or held under your custody.

Section III: Personal Accident Cover for Owner Driver

The Personal Accident (PA) Cover in car insurance is a financial safeguard against the potential consequences of physical disability or death resulting from an accident. This coverage is included with your vehicle insurance, much like general insurance that provides financial support. In the event of the owner driver suffering death or bodily injury, the company will provide compensation based on the following table –

Certain terms and conditions may be applied.

What Is Not Included in the Coverage?

The insurance company will not make any payment for –

• Consequential loss, depreciation, wear and tear, mechanical or electrical breakdowns, or failures.
• Damage to tyres and tubes, unless your vehicle is damaged at the same time, in which case the company's liability will be limited to 50% of the replacement cost.
• Any accidental loss or damage that occurs when you or anyone driving the vehicle with your knowledge and consent is under the influence of alcohol or drugs.

Insured Declared Value (IDV)

IDV represents the estimated market value of your car. It is the maximum amount i.e the sum assured you can receive from your car insurance policy when filing a claim. IDV varies every year reflecting depreciation.

Here is the depreciation schedule for determining a vehicle’s IDV –

General Exceptions

Under this policy, Go Digit Private Car Insurance will not be responsible for –

• Any accidental loss, damage, or liability that happens outside the specified geographical area.
• Claims arising from contractual obligations.
• Loss, damage, or liability when your vehicle is used in ways not permitted by the 'Limitations as to Use' or when driven by someone other than the designated driver as stated in the driver's clause.
• Any loss or damage to property, any associated expenses resulting from any consequential loss.
• Liability arising directly or indirectly from ionising radiations or radioactivity contamination resulting from nuclear fuel combustion. For clarification, combustion includes any self-sustaining nuclear fission process.
• Loss, damage, or liability directly or indirectly resulting from nuclear weapons material.
• Loss, damage, or liability directly or indirectly caused by or connected to war, invasion, rebellion, military, etc. or any consequences of these events. In the event of a claim, you must prove that the loss, damage, or liability is unrelated to and not caused by any of these events or their consequences. In the absence of such proof, the company will not be liable for any payment related to such a claim.

Add-Ons Available With Go Digit Private Car Insurance

1. Consumable Add-on

Under this add-on coverage, Go Digit Private Car Insurance will reimburse you for the cost of replacing consumable items with new ones in the event of a partial loss to your vehicle or its accessories, caused by any of the perils covered in your car insurance policy.

Consumables refer to any items or substances in your vehicle that are not damaged in an accident but have a limited lifespan or are completely/partially used up during normal operation. These items are considered unfit for reuse and require replacement to complete vehicle repairs such as bolts, screws, nuts, engine oil, gearbox oil, power steering oil, coolant, AC gas, brake oil, AC refrigerant, battery electrolyte, windshield washer fluid, radiator coolant, oil filters, fuel filters, bearings, washers, clips, rivets, and similar components, excluding fuel.

Conditions
Any claims you make under this add-on cover are subject to the conditions outlined in your car insurance policy.

In addition to the general exclusions outlined in your car insurance, the insurer will not be responsible for any claims in the following situations –

• Your car insurance is not valid.
• Your own damage claim under the car insurance is not approved or paid.
• Consumables related to parts, subparts, or accessories that are not authorised for replacement by the insurer as per your car insurance policy.
• Claims reported more than 30 days after the loss or damage occurred. However, the insurer may, at its discretion, consider the delay in notification based on the reasons you provide in writing.
• Claims where your vehicle is not repaired at an authorised repair shop.
• Losses that are covered by another insurance policy or type of coverage.
• Constructive total loss or total loss of your vehicle.
• Claims where the company is not given the opportunity to inspect the damage or loss before beginning the repair.
   

2. Parts Depreciation Protect
Under this add-on, Go Digit Private Car Insurance will cover the depreciation amount on the damaged parts assessed for partial loss of your vehicle. The coverage applies specifically to the parts category you selected when choosing your plan. If you have opted for co-payment, you will need to contribute an agreed amount towards the assessed depreciation of parts for each partial loss claim.

Conditions

To access the benefits of this add-on,

• Your vehicle must be repaired at an authorised repair shop. If you choose to have your vehicle repaired elsewhere, you will be responsible for an additional co-payment of 20% of the assessed claim amount under this cover.
• Any claims you make under Parts Depreciation Protect must adhere to the terms and conditions outlined in your car insurance policy.
• The advantages of Parts Depreciation Protect can be used up to a specified number of times during the policy period, as mentioned in your policy schedule. Once you have made claims for the specified number of times stated in your policy schedule, this add-on will no longer be valid.
• Any parts replacement during repairs must be approved by the surveyor assigned by the insurer.

The add-on will not provide coverage for -

• Claims applied when your car insurance is not in force.
• Claims not approved or admitted under Section I (Own Damage Section) of your car insurance.
• Costs of repair, either in full or in part, for any part, subpart, or accessories that are not authorised under your car insurance.
• Depreciation applicable to your vehicle's tyres and battery, as specified in your car insurance.
• Claims reported more than 30 days after the loss or damage occurred. But the insurer may consider exceptions at their discretion if you provide a valid reason for the delay in writing.
• Losses that are already claimed or covered under another insurance policy or type of coverage.
• Cases where the insurer is not given the opportunity to inspect the damage or loss before repairs begin.
   

3. No Claim Bonus (NCB)
If you opt for this add-on, you can receive a No Claim Bonus (NCB) if you haven't made any claims or have pending claims under Section I of your car insurance during the previous policy year(s). The NCB entitlement is determined based on the following table –

Conditions
To be eligible for a No Claim Bonus, you must renew your policy within 90 days of the previous policy's expiration date.

The maximum NCB that can be earned is 50% and you become eligible for NCB only when renewing the policy after the full policy duration has expired.

4. Car Engine and Gearbox Protect
This add-on is designed to safeguard you against consequential damage to the internal components of your vehicle’s engine, gearbox, differential, or transmission assembly caused by –

• Water ingression
• Lubrication leakage or oil leaks
• Damage to the gearbox
• Damage to the undercarriage

These damages might occur when you don’t follow the manufacturer's operating instructions for your vehicle. In such cases, Go Digit Private Car Insurance will provide compensation for –

• The repair and replacement costs of internal engine components, such as the crankshaft, cylinder head, camshaft, pistons, piston sleeves, gadget pins, connecting rods, engine bearings, oil pump, and turbo/supercharger, and similar parts.
   
• The repair or replacement of affected internal components in the gearbox, differential, or transmission assembly, including gear shafts, shifters, synchronizer rings/sleeves, actuators, sensors, mechatronics, related components, and bearings.
   
• The labour costs required to carry out the repairs or replacements of the damaged components in the engine, gearbox, differential, and transmission assembly.
   
• The cost of consumables needed for the repairs, such as lubricating oil, coolant, nuts, bolts, etc.

Conditions
Any claims you make under this add-on cover are governed by the conditions outlined in your car insurance policy. To make a claim under this add-on, there should be  evidence of –

• Your vehicle being stranded in a waterlogged area, leading to damage to the internal engine parts due to water entry.
• Undercarriage damage to the engine and/or gearbox, differential, and transmission assembly, directly resulting in lubricating oil leakage.

You can make a maximum of one claim during the policy period.

This add-on will not cover -

• Any other consequential damage resulting from an accident, aside from the loss or damage covered by this add-on.
• Any payment in case of a constructive total loss or total loss of your vehicle.
• Claims reported after 3 days of the loss or damage. However, the insurer, at their discretion, considers a delay in notification if you provide a valid reason in writing.
• Loss or damage that is already covered by another type of insurance policy, a manufacturer's warranty, a recall campaign, or any other packages.
• Any claim for which repairs have been carried out without prior approval from the insurer.
• Damages, deterioration, or consequential damage to the engine, differential, gearbox, and transmission assembly, including corrosion in the following situations –

• Delays in retrieving the car from a waterlogged area to a safe place.
• Delays in instructing the garage to begin repairs after the survey.
• Delays on the part of the garage chosen by you in executing the repair work.
• You have not taken reasonable care to minimise further loss or damage.
• Any claim where water inundation is not proven in the case of water ingression-related loss.

5. Private Car Key and Lock Protect
Under this add-on, Go Digit Private Car Insurance will reimburse you for the expenses related to –

• Replacing the keys for your vehicle in case of theft, burglary, accidental loss, or damage during the policy period.
• Installing a new lock or lockset in your vehicle, along with locksmith charges, provided there is a security risk due to lost keys for your vehicle.
• Repairing or replacing your locks, keys, or lockset, along with locksmith charges, if your vehicle is broken into.

This coverage is subject to the specified sum insured and the number of claims mentioned in the policy schedule for this add-on.

Conditions

• If your keys are lost due to theft, burglary, or malicious damage, you must promptly, within 3 days from the incident, file a complaint, or FIR, with the police authorities to get a crime reference along with a lost property report. You should also report the loss to the insurer.
• The benefits provided by this add-on can be used up to a specified maximum number of times, as mentioned in the policy schedule, during the policy period. Once you have made claims for the specified number of times stated in your policy schedule, the benefits from this add-on cover will no longer be available.
• The keys or lockset that are replaced must be of the same make, model, and specification as the ones for which the claim is being made.
• It is important that you take reasonable care at all times to ensure the safety of your vehicle keys.
• If a claim is eligible only under this add-on and not under the base car insurance policy, it will not impact your eligibility for No Claim Bonus (NCB) as provided in the car insurance policy.

The insurer will not provide coverage for -

• Claims reported or notified to the insurer or the police authority (if applicable) after 3 days from the date of the incident. However, the company may consider a delay in notification if you provide a valid reason in writing.
• Claims for additional or duplicate vehicle keys.
• Claims for damage to vehicle keys or locks due to wear and tear, mechanical or electrical breakdown, cleaning, repairing, restoring, or gradual deterioration.
• Claims for replacing vehicle keys or locks when only specific parts of them need replacement.
• Any pre-existing damages, regardless of the cause.
• Loss or damage that is covered under the manufacturer's warranty.
• Claims where repairs are not carried out at the manufacturer's authorised dealership or insurer’s authorised repair shop.
• Any claim where you cannot provide invoices or receipts for the payments made for repair or replacement.
• Deliberate damage to the key, lock, or lockset.

6. Tyre Protect
With this add-on, Go Digit Private Car Insurance will reimburse you for the expense of replacing damaged tyres with new ones that are equivalent or nearly equivalent in make, model, and specification to the ones on your vehicle at the time you obtained car insurance or at the time of the accident/damage to the tyre. This coverage also includes labour charges for removing and refitting the tyre, as well as charges for wheel balancing.

The coverage is applicable when there is accidental loss or damage to the tyres and tubes of your vehicle, rendering the tyre unfit for use due to a bulge, burst, cut, or damage to the tyre.

Conditions

• Any claims you make under this add-on cover must comply with the conditions outlined in your car insurance policy.
• When making a claim under the Tyre Protect Cover, the eligible claim amount will not exceed the specified limit, depending on the unused tread depth (i.e. the thickness of the rubber remaining on your tyre tread) of the respective tyre.

• The benefits provided by the Tyre Protect Cover can only be used for a maximum of 4 tyres on your vehicle during the policy period.
• If the loss or damage to the tyres is caused by an insured event that also damages your vehicle and is covered under the car insurance, the benefit payment under this add-on will be the admissible claim amount as per the table above, minus the amount payable under the car insurance.
• If you decide to replace the tyres of your vehicle on your own, it is your responsibility to inform the insurer about this change. You must provide necessary details such as the tyre make, model, serial number, and invoice copy for the new tyres. If you don’t do so, the insurer will not be liable to make any claim payment under this coverage.

The add-on will not provide coverage for -

• The cost of puncture repair.
• Any damage resulting from poor workmanship during repair, manufacturing, assembly, or unauthorised repair.
• Damage due to violations of operating instructions provided in the car manufacturer's manual, including exceeding maximum load, recommended tyre pressure, passenger capacity, racing, rallies, and unapproved modifications.
• Minor aspects such as minor damage, scratches, minor cuts, noises, sensations, and vibrations that do not impact performance.
• Damage from improper storage or transportation.
• Routine maintenance, including wheel/tyre/tube adjustment, alignment, balancing, or rotation.
• Claims for wheel balancing and wheel alignment in case there is no need for tyre replacement.
• Claims in case the vehicle is not repaired at a digit authorised repair shop.
• Cases where the insurer is not given the opportunity to inspect the damage or loss before repair begins.
•  Loss covered under the manufacturer's warranty, recall campaign, or other packages simultaneously.
• Any loss or damage to tyres that are used to their full specified life according to the manufacturer's guidelines.
• Periodic maintenance specified by the vehicle and tyre manufacturers that has been neglected.
• Claims where the batch number of damaged tyres is different from the make, model, or batch number specified in the Schedule.
•  Theft of your vehicle's tyres.
• Damage to rims, wheel accessories, suspension, or any other parts or accessories of your vehicle resulting from tyre damage.

7. Conveyance Benefit
If your car insurance policy covers accidental loss or damage and a claim is approved, Go Digit Private Car Insurance may provide compensation for your transportation expenses during the repair period when your car is unavailable in the following ways -

•  A fixed daily allowance.
• A standby vehicle.
• Coupons from well-known taxi operators, such as OLA and UBER, equal to the daily fixed allowance.

Conditions

• Any claims made under this add-on must comply with the conditions specified in your car insurance policy.
• You can make a maximum of 2 claims under this add-on during the policy period, subject to the maximum number of days you have chosen and stated in the policy schedule.
• To calculate the eligible number of days for partial loss, total loss, or constructive total loss claims, the insurer will consider the start date from the date of the first loss assessment of your vehicle conducted by us at the Digit authorised repair shop. The end date is considered as the one when your vehicle is ready for delivery, subject to the maximum eligible number of days and time excess you have chosen as mentioned in the policy schedule. Time Excess is the excess period chosen during which the company is not liable for any claim payment.
• In the case of a theft claim, the company will compensate your transportation costs from the date of claim intimation up to the maximum eligible number of days and subject to the time excess you have chosen as mentioned in the policy schedule.
• If you decide to retain the standby vehicle for more days than the eligible number, the insurer will not make any payment for the extra days, and you will be responsible for the additional costs.
• The standby vehicle provided by the insurer may not necessarily be of the same make and model as your vehicle. It could belong to the same class or lower than that of your vehicle.

The add-on will not provide coverage for any -

• Claims made during the time excess period you have chosen and mentioned in the policy schedule.
• Claims, in case your car insurance is not valid.
• Claims, in case your own damage claim under the car insurance is not payable or admitted.
• Damage or loss in case your vehicle is not repaired at an authorised repair shop.
• Losses resulting from Acts of God perils (like earthquakes, storms, flood, etc.), riots, and strikes.
• Claims for losses covered under any other type of insurance policy or cover.
• Claims made for windscreen or glass damage under your car insurance.
• Any additional time taken by the garage for damage that is not eligible under your car insurance. For example, if there is damage only to the bumper covered by your car insurance, but you also choose to repair a pre-existing damaged door at your cost, it will increase the repair time, and the insurer will not be liable for this extended time.
• Operating costs, including fuel, for the standby vehicle.

Please note that you will be responsible for any costs resulting from noncompliance with the terms and conditions laid down by the standby vehicle provider.

8. Personal Belongings Cover
Go Digit Private Car Insurance will compensate you for any physical loss or damage that occurs to your or your immediate family member’s personal baggage  stored in your vehicle during the policy period due to perils mentioned under the own damage section of your car insurance policy. The coverage amount is subject to the sum insured and the number of claims specified in the policy schedule for this add-on.

Immediate Family includes your spouse, children, parents, parents-in-law, and grandparents.

And, Personal Baggage encompasses personal items carried by you during a journey in your vehicle. It includes items such as clothing, toiletries, shoes, and similar personal belongings.

The following items are not covered as part of personal baggage –

• Portable equipment or electrical/electronic items.
• Jewellery and valuable items, including watches, diamonds, precious or semi-precious stones or metals, bullion.
• Blueprints, manuscripts, sculptures, plans, designs.
• Securities, deeds, stock and share certificates.
• Works of art, paintings, curios.
• Bonds, checks, documents.
• Cash, currency notes, and coins.
• Credit and debit cards.
• Items of a consumable nature.
• Baggage being transported under a contract of affreightment or a contract of carriage.
• Samples or goods carried in connection with any business or trade.

Conditions

• If theft, burglary, or malicious damage occurs, you must immediately, and within 3 days of the incident, report it to the police authorities (if applicable) to obtain a crime reference and lost property report. You should also report the loss to the insurer.
• In the event of a total loss, the insurer will compensate you for the restoration or replacement costs of the lost or damaged item. The compensation is subject to the maximum of  the sum insured and the number of claims you have chosen, as specified in your policy schedule.
• The benefits provided by this add-on can be used a maximum number of times as specified in the policy schedule during the policy period. Once you have claimed for the specified number of times mentioned in your policy schedule, the benefit under this add-on will cease.
• If a claim is eligible only under this add-on and not under the car insurance policy (base policy), it will not affect your No Claim Bonus (NCB) eligibility as provided in the car insurance policy.

The add-on will not provide coverage for -

• Claims in case your own damage claim under the car insurance is not admissible, except in cases of theft or burglary of personal baggage.
• Claims reported after 3 days of the loss or damage, unless you can provide a valid reason for the delay in writing.
• Theft from vehicles parked in no-parking zones and unattended vehicles after accidents.
• Loss or damage to goods or samples carried for trade or business purposes.
• Theft of personal baggage from your vehicle unless all doors, windows, and openings are securely locked and properly fastened, and entry was gained through violent and forcible means.
• Loss or damage due to delay, wear and tear, moths, vermin, atmospheric or climatic conditions, deterioration, or electrical or mechanical issues.
• Loss or damage caused by spilled fluids from cosmetic or beverage containers inside the baggage.
• Breakage, cracking, or scratching of items like binoculars and lenses, which are brittle or fragile in nature unless it occurs due to an accident involving your vehicle while the baggage is being transported by you.
• Loss or damage to personal baggage of a consumable nature.
• Loss, damage, or consequential losses arising from data, software, or programming issues.
• Loss or damage covered under manufacturers, supplier, or dealer's warranty.
• Claims arising out of contributory negligence.

9. Pay As You Drive
Under this add-on, you agree to a specific maximum kilometre limit for your vehicle, as indicated in the policy schedule, during the policy period. Depending on the chosen plan, you will receive a discount or an additional charge on the premium for the own damage cover of your base policy. If, at any point during the policy term, you anticipate exceeding the selected kilometre limit, you can extend your coverage under your base policy by paying an additional premium to increase the kilometre limit.

Specific Conditions

• When you start the policy, the insurer will need information about your vehicle's odometer, telematics device, or IOT device.
• The coverage provided by the own damage section of the base policy will be available up to the maximum kilometres you have chosen (the kilometres at the beginning of the policy plus the kilometres you commit to driving during the policy period), or until the end date of the base cover, whichever comes first.
• If your vehicle is involved in an accident, the own damage claim under the base policy will only be paid if your vehicle has not exceeded the chosen kilometres. However, this condition does not apply if the vehicle is stolen and declared a total loss.
• If you want to transfer the vehicle or change the chosen plan, you must inform the insurer.

The add-on will not provide coverage for -

• Any accidental damage if the vehicle has exceeded the chosen kilometres as mentioned in the policy schedule.
• The exclusions stated in your car insurance policy.

10. Car Breakdown Assistance
With this add-on, you will receive various services or benefits from Go Digit Private Car Insurance or its assistance service provider, depending on the chosen plan, as indicated in the policy schedule. Some of the services available are –

?Flat Battery
If your vehicle becomes immobile due to a battery malfunction within the specified geographical area, the company will arrange for assistance to get your vehicle moving again provided that your vehicle has not reached a workshop or repair facility. In such a case, the insurer will cover all labour and transportation costs for this assistance.

And, you will be responsible for any expenses related to charging or replacing the battery. If your vehicle is an electric vehicle and gets immobilised due to a battery issue within the geographical limit, the company will arrange to tow your vehicle to the nearest workshop, subject to the terms and conditions mentioned under the ‘Towing Facility’.

?Spare Keys
If you lose your vehicle keys or lock them inside the vehicle within 100 kilometres of your city of residence, Go Digit Private Car Insurance will arrange to pick up your spare keys and deliver them to your vehicle's location. Also, if you do not have spare keys, the company will provide a service to unlock your vehicle using skilled technicians at the vehicle's location.

Under the add-on, the insurer will cover all labour and transportation costs for this assistance. You must provide proof of identity to confirm vehicle ownership. There should be no restrictions from the vehicle manufacturer on unlocking the vehicle, which could potentially cause electrical or mechanical issues with the vehicle.

?Flat Tyre
If your vehicle becomes immobile due to flat tyres within the specified area, the insurer will assist you in either of these two ways –

• They will arrange for a vehicle technician to replace the flat tyre with the spare one at the location of the breakdown.
• They will transport the flat tyre to the nearest repair facility and return it to the breakdown location to be attached to your vehicle - if repairs cannot be done at the breakdown location.

In this case,

• The company will cover the labour and transportation costs for both options.
• You will be responsible for any expenses related to materials or spare parts needed for the repairs.

 ?Minor Repairs
If your vehicle becomes immobile due to a minor mechanical or electrical issue within the specified area, the company will provide assistance including solutions over the phone for minor problems or sending a vehicle technician to the breakdown location to perform minor repairs. Here, minor repairs are those that can be completed at the breakdown location without the need for spare parts and take less than 45 minutes of labour. Also, the insurer will cover the labour and transportation costs.

?Towing Service
If your vehicle becomes immobile or unsafe to drive and cannot be fixed on the spot due to a breakdown or accident, the insurer will arrange for towing services to take your vehicle to the nearest Digit authorised repair shop. For electric vehicles that run out of battery charge and cannot be swapped, the company will arrange towing to the nearest charging station, vehicle workshop, your home, or your office, whichever is closest.

In this case, the insurer will cover the towing cost for up to 50 kilometres from the breakdown location, with a maximum limit as specified in the policy schedule. Any expenses beyond 50 kilometres or exceeding the specified towing limit in the policy schedule will be your responsibility.

 ?Emergency Message Relay
If your vehicle becomes immobile due to an accident or breakdown, the insurer will help you send urgent messages to your specified contacts using available communication methods.

?Medical Assistance
If your vehicle is involved in an accident and you or any passengers need medical help, the company will provide you with the contact information of the nearest medical centre over the phone.

?Fuel Assistance (not applicable to CNG or Electric Cars)
If your vehicle becomes immobile due to lack of fuel within the area covered, the insurer will arrange to supply up to 5 litres of fuel at the breakdown location. If your vehicle is immobilised due to contaminated fuel within the covered area, arrangements will be made to tow your vehicle to the nearest garage to empty the fuel tank.

In this case,

• You will need to cover all fuel expenses.
• The insurer will handle all towing charges.

Towing is subject to the terms and conditions mentioned in the ‘Towing Facility’ section.

?Taxi Benefits
If your vehicle becomes immobile due to an accident or breakdown at a distance of at least 500 kilometres away from your home city, Go Digit Private Car Insurance will offer free transportation to the people in your vehicle to a single destination, up to the limit specified in your policy schedule.

In this case,

• The service is available only if the repair time for your vehicle exceeds 6 hours from the time of the accident or breakdown.
• The number of passengers in your vehicle must not exceed its maximum seating capacity.
• If the company is unable to arrange this service, it may ask you to arrange for a taxi or other transportation on your own and submit the bill for reimbursement, up to the pre-authorised amount.

?Accommodation Benefits
If your vehicle is stuck due to an accident or breakdown at a distance of at least 500 kilometres away from your home city, the insurer will arrange a one-day hotel stay for the people in your vehicle. Each occupant (not exceeding the vehicle's maximum seating capacity) will have a daily limit as specified in the policy schedule subject to maximum total limit as specified in the policy schedule for all occupants at the time of the incident.

In this case,

• The repair time should exceed 6 hours from the accident or breakdown.
• The insurer will not provide accommodation benefits if it has already provided taxi benefits.
• In the rare case that the insurer cannot arrange this service, it may ask you to find your own accommodation and submit the bill to us for reimbursement, up to the pre-authorised amount.

?Legal Advice
If your vehicle is in an accident, and you need a lawyer, Go Digit Private Car Insurance will help you find a nearby lawyer's phone number when you ask for it. In this case, you will have to pay for the lawyer's services, and the insurer will let you know how much it will cost.

Conditions

• You can use the benefits of Breakdown Assistance up to 4 times during the add-on policy period. However, please note that fuel assistance, taxi benefits, and accommodation benefits have a combined limit of 2 times during the add-on policy period.
• If you make a claim for breakdown assistance with the insurer, it will follow the terms and conditions outlined in your car insurance policy.
• The list of cities where the company’s breakdown assistance service is available can be found on its website, and it may change from time to time.

The insurer will not cover any -

• Damage or loss incurred if your vehicle can safely be driven to the nearest dealer or workshop under its own power.
• Loss or damage resulting from theft, earthquakes, acts of terrorism, riots, strikes, natural disasters like floods or earthquakes, confiscation, intervention by government authorised agencies, police authorities, or law enforcement agencies.
• Cost of parts, components, or materials used for repairing your vehicle.
• Repair and labour expenses exceeding 45 minutes of roadside labour at the accident site for minor repairs.
• Loss or damage arising from any actions on your part that violate the law.
• Loss or damage to your vehicle when it is used or driven against the recommendations provided in the owner's or manufacturer's manual.
• Claims made for services used without the company’s prior consent.

What to Do When Your Vehicle Breaks Down?
Call the insurance company using their toll-free number if your vehicle breaks down. Provide the following information to the receiver you talk to, as it will help them verify your policy –

• Your phone number, for the assistance service provider to reach you.
• Your vehicle's registration number.
• Your insurance policy number.
• The exact location of your vehicle (or as precise as possible).
• Your vehicle's make, model, colour, and any specific details that might help the team find you quickly.

Go Digit Private Car Insurance will collect your information and ask you to stay close to the phone you are calling from. Once the assistance service provider makes all the necessary arrangements, they will contact you to let you know who is coming to assist you and how long they are expected to take. Keep your mobile phone turned on and available for calls at all times. You will also be instructed to return to your vehicle. Always prioritise your safety and stay with or near your vehicle until assistance arrives. If the police or highway authorities are present at the scene, inform them that you have contacted the insurer’s assistance service provider, or provide them with the assistance service provider's phone number so they can call on your behalf.

11. Return to Invoice
If your vehicle is declared a total loss, constructive total loss, or is stolen, the insurer may choose to compensate you for the cost for a new vehicle, subject to the amount specified in the invoice of the insured vehicle, provided that it is of a similar or nearly identical make, model, and has the same features and specifications as the insured vehicle, minus the amount covered by the car insurance policy.

If the exact make, model, and variant of your vehicle is no longer available, the company’s liability will be limited to the difference between the last available invoice price of a vehicle with the same make, model, features, and specifications as your vehicle before its discontinuation - subject to a maximum limit mentioned in the invoice of your vehicle.

Note: If any subsidies or discounts were applied to your vehicle's purchase, the maximum claim amount under this cover will be capped at the actual amount you paid for the vehicle (the price stated in the invoice of the vehicle, minus any subsidies or discounts).

Here are some additional benefits –

• The insurer will reimburse you for the first-time registration charges you paid for your vehicle.
• The road tax you paid for your vehicle will also be reimbursed.
• If you decide to insure the new vehicle with the insurer, the company will reimburse you for the premium of the new vehicle insurance policy. This policy includes your own damage cover, third party liability cover, and any add-on you had in your car insurance policy. The reimbursement amount is limited to the premium you paid under the existing insurance policy for your vehicle.

Here, "Insurance Policy" includes the sum of –

1. 1. One-year own damage cover premium for your vehicle.
   2. Third-party premium for your vehicle (if you bought the third-party cover with the insurer).
   3. One-year add-on premium for your vehicle.
   4. The cost of any accessories, including a bi-fuel kit, that were specifically insured under the own damage cover of your car insurance policy, provided these accessories were not originally part of the new vehicle when it left the factory.

Conditions

• In the event of a total loss or constructive total loss, there will be no depreciation applied to assess the loss.
• You will be responsible for a copayment percentage of the claim amount that is eligible under this add-on. The specific co-payment percentage can be found in the policy schedule.
• Any claims you make under this add-on must adhere to the conditions outlined in your car insurance policy.
• Any compensation provided under this add-on will be considered as the complete and final settlement of the insurer’s liability for this add-on.
• If your vehicle is stolen, the claim payment will be subject to the submission of a Final Investigation Report (FIR) by the police authorities, and this will not occur until at least 90 days have passed from the date of the theft.

The insurer will not cover –

• Total loss, constructive total loss, or total theft of the vehicle that is not covered by the own damage cover of your car insurance policy.
• Damage or loss in case the bank or finance company, whose interest is mentioned in the policy, does not provide written agreement.
• Costs of any accessories, including a bi-fuel kit, that were not specifically insured under the own damage cover of the car insurance policy or were not originally part of the vehicle as per the Original Equipment Manufacturer (OEM) specifications.
• Any loss in case the vehicle is recovered within 90 days of the theft, unless an FIR or a non-traceable report is submitted.
• A total loss or constructive total loss that doesn’t meet the criteria as defined by the car insurance policy.
• Costs related to extended warranties, fast tags, or similar expenses that you incurred for your vehicle.