Digit Private Car Policy

Add-On Cover

Visit us at www.godigit.com or call 1800-258-5956, anytime, for more information.

Index | 1
Table of Contents
Follow these directions to find your way if you get lost.

Just click on the chapter name to go there.

Consumable Cover 3

Parts Depreciation Protect 4

Engine And Gear Box Protect 6

Breakdown Assistance 8

Tyre Protect 12

Return To Invoice 14

Daily Conveyance Benefit 16

Digit Private Car Key and Lock Protect 18

Digit Private Car Loss to Personal Belongings 20

Definitions (Applicable To All The Add-On Covers) 23

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 Digit Private Car Consumable Cover
UIN: IRDAN158RP0005V01201718/A0008V01201718

A. ADD-ON WORDINGS
Under this Add on Cover, we will Compensate You towards the replacement/replenishing costs of
the Consumables with new ones, in the event of a Partial Loss to Your Vehicle and/or its accessories,
arising out of any peril as covered under Section I of Your Car Insurance Policy.

“Consumables” shall mean any Item or substance of Insured Vehicle which is not damaged in the
Accident and has limited life or has been consumed completely/partially during their usage and
deemed to be unfit for reuse and needs replacement to complete the vehicle repair. Such as bolt,
screw, nut, engine oil, gear box oil, power steering oil, coolant, AC gas oil, brake oil, AC refrigerant,
battery electrolyte, windshield washer fluid, radiator coolant, oil filter, fuel filter, bearings, washers,
clip, rivets and items of similar nature excluding fuel.

B. CONDITIONS
Claims made by You under this Add-On Cover are subject to conditions set forth under Your Car
Insurance Policy.

C. EXCLUSIONS
In addition to the General Exclusions listed under your Car Insurance, we shall not be liable to pay any
claim whatsoever under this cover in the event of the following:

1. Where Car Insurance is not valid.

2. Where the Own Damage Claim made by You under the Car Insurance is not payable or admitted.

3. Consumables pertaining to any part/sub part/accessories not approved for replacement by us

under Your Car Insurance Policy.

4. Any claim which is notified after 30 days of the happening of the loss or damage, provided, we
may, at our sole discretion, condone the delay in notification of claim on merits based on the
reason for delay furnished by You to Us in writing.

5. Claim where Vehicle is not repaired at Digit Authorized Repair Shop.

6. The loss claimed or covered under any other type of insurance policy or cover.

7. Constructive Total Loss/Total Loss of Your Vehicle.

8. Any claim where an opportunity is not given to Us to inspect the damage or loss before
commencement of repair.

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 Digit Private Car Parts Depreciation Protect
UIN: IRDAN158RP0005V01201718/A0009V01201718

A. ADD-ON WORDINGS
Under this Add on Cover, we will cover the depreciation amount on the assessed damaged parts
pertaining only to the applicable parts category as per the plan opted by you in the event of a
Partial Loss of Your Vehicle.

In the event You have opted for Co-payment, your contribution shall be to the extent agreed by You
on the assessed parts depreciation amount for each and every Partial Loss claim.

Cover/Benefits will be as per the Plan and the Co-Payment Level as opted by You and shown in Your
Policy Schedule.

B. CONDITIONS
1. The benefits under this Add-On Cover Policy would be available only if Your Vehicle is repaired
at Digit Authorised Repair Shop. In case You have opted to repair Your Vehicle at any other
workshop, then You will have to bear an additional Co-Payment of 20% of the assessed claim
amount under this cover.

2. Claims made by You against Us under ‘Parts Depreciation Protect’ are subject to the terms and
conditions set forth under Car Insurance.

3. The benefits under ‘Parts Depreciation Protect’ can be utilized up to maximum of specified number
of times (as mentioned in Policy Schedule) during the Policy Period. This Add on Cover Policy will
not be valid once you have Claimed for the specified number of times mentioned in your policy
schedule.

4. Parts replacement during the repairs need to be approved by the Surveyor assigned by Us.

C. EXCLUSIONS
In addition to the General Exclusions listed under Your Car Insurance, we shall not be liable to pay any
claim whatsoever.

1. Where Car Insurance is not valid.

2. Where any claim made by You under Section I (Own Damage Section) of Your Car insurance is not
payable or admitted.

3. Any other cost of repair fully or partly pertaining to any part/sub part/accessories not approved
under the Car Insurance.

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 4. Depreciation applicable to tyres, battery of Your Vehicle as per Car Insurance.

5. Any claim which is notified after 30 days of the happening of the loss or damage, provided, we
may, at our sole discretion, condone the delay in notification of claim on merits based on the
reason for delay furnished by You to Us in writing.

6. The loss claimed or covered under any other type of insurance policy or cover.

7. Any claim where an opportunity is not given to Us to inspect the damage or loss before
commencement of repair.

D. NO CLAIM BONUS (NCB)

You are also entitled for a No Claim Bonus (NCB) on Your Add-on Cover Policy, if no claim under
Section I of Your Car Insurance is made or pending during the preceding year(s), as per the following
table:

% of NCB on
Period of Insurance
Add-On Premium

No claim made or pending during the preceding full year of insurance 20%

No claim made or pending during the preceding 2 consecutive years of insurance 25%

No claim made or pending during the preceding 3 consecutive years of insurance 35%

No claim made or pending during the preceding 4 consecutive years of insurance 45%

No claim made or pending during the preceding 5 consecutive years of insurance 50%

No Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry date
of the previous policy.

“However, in the case of Military or Para military Personnel working in Forward Areas, the period of 90
days may be extended up to 365 days depending on the circumstances of each individual case with a
declaration in writing by the policy holder that the vehicle was not put to use during the interim period”.

NOTE:

i. Maximum NCB that can be earned by an Insured is 50%

ii. An Insured becomes entitled for NCB only at the time of renewal of policy after the expiry of the
full duration of the Policy.

Sunset Clause: If at the renewal falling due any time between 1st July 2002 and 30th June 2003, both
days inclusive, (after completion of the full policy period of 12 months) an insured becomes entitled
to an NCB of 55% or 65% in terms of the Tariff prevailing prior to 1st July 2002, the entitlement of
such higher percentage of NCB will remain protected for all subsequent renewals till a claim arises
under the policy, in which case the NCB will revert to “Nil” at the next renewal. Thereafter, NCB if any
earned, will be in terms of the above table.

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 Digit Private Car Engine And Gear Box Protect
UIN: IRDAN158RP0005V01201718/A0010V01201718

A. ADD-ON WORDINGS
By opting for this Add-on Cover, Your Car Insurance policy is extended to cover the Consequential
Damage to the internal child parts of the Engine or Gear Box, differential or transmission assembly
arising out of:

a. Water ingression b. Leakage of lubricating oil

c. Damage to gear box d. Undercarriage damage

The above damages may be due to non-operation of Your Vehicle as per the operating instructions
given by the manufacturer of the Your Vehicle and we shall pay you for the following:

i. Repair and replacement costs of the Engine’s internal child parts such as Crankshaft, Cylinder head,
cam shaft, pistons, piston sleeve, gadget pins, connecting rods and engine bearings, Oil pump and
turbo/super charger and the like.

ii. Repair or replacement of the affected internal child parts of the gear box, differential or
transmission assembly such as gear shafts, shifter, synchroniser rings / sleeves, actuator, sensor,
Mechatronics and its affected child parts and bearings.

iii. Labour Cost required to carry out the repair or replacement of the damaged child-parts of the
Engine or damaged gear box, differential and transmission assembly.

iv. Cost of Consumables replenished including lubricating oil, coolant, nuts and bolts during the
repair.

v. Depreciation on the parts replaced which are approved by Us.

“Consequential Damage” shall mean the damage caused to Your Vehicle not arising directly from an
insured peril under the Car Insurance but resulted consequently to any damage.

“Undercarriage Damage” shall mean the damage to the Engine and/or Gear Box and/or Transmission
Internal Parts of Your Vehicle due to lubricant leakage caused by an external impact.

B. CONDITIONS
1. Claims made by You under this Add-On Cover are subject to conditions set forth under Your Car
Insurance.

2. Claims made by You under this Add-On Cover would be admissible only if there is an evidence of:

a. Your Vehicle being stopped in water logged area resulting into damage to internal parts of the
engine due to water ingression

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 b. Undercarriage Damage to Engine and/or gear box, differential and transmission assembly
directly causing lubricating oil leakage.

3. Maximum of one claim would be payable during the Policy Period.

C. EXCLUSIONS
In addition to the General Exclusions listed under your Car Insurance, we shall not be liable to pay any
claim whatsoever in the event of the following:

1. Any other Consequential Damage due to an Accident, apart from the loss or damage covered
under this Add-On.

2. Any payment under this Add-On Cover in case of Constructive Total Loss/Total Loss of Your Vehicle.

3. Any claim which is notified after 3 days of the happening of the loss or damage, provided, we may,
at our sole discretion, condone the delay in notification of claim on merits based on the reason for
delay furnished by You to Us in writing.

4. Loss or damage covered under any other type of insurance policy or manufacturer’s warranty or
recall campaign or any other packages.

5. Any Claim where the repair has been carried out without prior approval from Us.

6. Aggravated loss, deterioration or consequential damage to the engine, differential, gear box and
transmission assembly including corrosion due to following:

a. Delay

i) In retrieving the car from water logged area to a safe place.

ii) In instructing the garage to start the repair after the survey is done.

iii) On the part of the garage chosen by You in executing the repair work.

b. Where minimum required reasonable care has not been taken by You to protect the further loss
or damage.

c. Any claim where water inundation is not proved in case of water ingression related loss.

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 Digit Private Car Breakdown Assistance
UIN: IRDAN158RP0005V01201718/A0014V01201718

A. ADD-ON WORDINGS
Under this Add on Cover, you shall be entitled to one or more of the below mentioned services or
benefits from Us or Assistance Service Provider depending on the Plan opted under this Add-On Cover
and as shown in the Policy Schedule.

I. Flat Battery: In Case of Your Vehicle being immobilized due to malfunctioning of battery within
the geographical limit, we would make an alternate arrangement to make Your Vehicle mobile.
Provided always that

a. Vehicle has not already reached a workshop/repairer.

b. We would pay for all labour and conveyance costs towards this assistance.

c. You would bear any Cost of charging/replacement of battery.

II. Spare Keys: If Your Vehicle keys are lost or the keys are locked inside the vehicle within the
geographical limit, we would arrange for pickup and delivery of the spare keys of Your Vehicle to
the place where the Vehicle is located

Alternatively, in the absence of spare keys, we would provide the service of unlocking Your Vehicle
with the help of vehicle technicians at the location of the vehicle. Provided always that

a. We would pay for all labour and conveyance costs towards this assistance

b. You need to submit an Identity Proof to prove the Ownership of the Vehicle.

III. Flat Tyre: In Case of Your Vehicle being immobilized due to flat tyres within the geographical limit,
we would assist you in either of the following ways:

1. Organize for a vehicle technician to replace the flat tyre with the spare tyre of the vehicle at the
location of breakdown or;

2. In the event of repairs not being possible at the place of breakdown, arrange to take the flat
tyre to the nearest place of repair and deliver the tyre back to the place of breakdown & attach
it to Your Vehicle. Provided always that

a. We would pay the expenses on labour cost and conveyance cost, in relation to point (1) and
(2) above,

b. You would bear any expenses on material/spare parts and any other incidental costs, if
required while carrying out the repairs

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 IV. Minor Repairs: In Case of Your Vehicle being immobilized due to a minor mechanical/electrical
fault within the geographical limit, we would assist You with telephonic assistance to come up
with solutions for such minor mechanical errors/faults/non-functioning of the insured’s vehicle or
sending a vehicle technician to the location of breakdown to carry out the Minor Repairs.

Provided always that

a. We would pay the expenses on labour cost and conveyance cost

b. Minor Repairs, for the purpose of this Add-On, would be defined as repairs which can be carried
out at the location of breakdown/accident, requiring no spares and less than 45 minutes of
labour time

V. Towing Facility: In the event of Your Vehicle being immobilized or rendered unfit for the purpose
of driving on the road which cannot be repaired on the spot of break down or accident, We would
arrange for appropriate towing services to the nearest Digit Authorized Repair Shop

VI. Urgent Message Relay to relatives: If Your Vehicle gets immobilized as a result of an accident and/
or breakdown, we would arrange to send urgent message to the specified persons, as requested by
You, through available means of communication

VII. Medical Coordination: If Your Vehicle meets with an accident as a result of which You and/or any
of the travelling passengers requires medical care, we would arrange for the telephonic contact
details of the nearest available Medical Centre.

VIII. Fuel Assistance:

1. In case of Your Vehicle being immobilized due to emptying of fuel tank within the geographical
limit, we would arrange for supply of up to five litres of fuel, at the location of the breakdown.

2. In case of Your Vehicle being immobilized due contaminated fuel within the geographical
limit, we would arrange for towing the Insured’s vehicle to nearest garage for the purpose of
emptying the fuel tank. Provided always that

a. You would bear all expenses on fuel

b. We would bear all charges towards the towing of the vehicle

IX. Taxi benefits: In case of your vehicle being immobilized due to an accident / breakdown at least
500 kms away from Your City of Residence, we shall provide free travel to the occupants of the
Insured vehicle to a single destination. Provided always that:

a. The required time of repair of the Insured vehicle exceeds 6 hours from the time of the accident
/ breakdown

b. The number of individuals seated in the Insured vehicle is not more than the maximum seating
capacity of the Insured vehicle

In the unlikely event of We being unable to arrange for this service, we may request you to arrange
for the taxi or any other transportation services available on your own and submit the bill for the
pre - authorized amount for reimbursement to us.

X. Accommodation Benefits: In case of Your Vehicle being immobilized due to an accident /

breakdown at least 500 kms away from Your City of Residence, We shall provide occupants of the
Insured vehicle with a hotel accommodation / stay arrangement for one-day subject to a per day
limit of amount (as specified in policy schedule) per occupant (not exceeding the maximum seating
capacity of the insured vehicle) and a maximum total limit as specified in the policy schedule for
the actual occupants at the time of loss. Provided always that:

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 a. The required time of repair of the Insured vehicle exceeds 6 hours from the time of the accident /
breakdown

b. We won’t provide accommodation benefits if we have provided taxi benefit.

In the unlikely event of We being unable to arrange for this service, We may request You to
arrange for accommodation on Your own and submit the bill for the pre - authorized amount for
reimbursement to Us.

XI. Legal Advice: If Your Vehicle meets with an accident ,as a result of which You require the services
of a legal advisor, we would arrange for the telephonic contact details of an appropriate legal
advisor belonging to a nearby area as requested by You. Provided always that:

a. We would intimate You of all charges payable for the services of such legal advisor and all such
charges would be borne by You.

“Geographical Limit” shall mean area lying within 500 Kilometers of radius from the center point of
your city of residence.

“City of Residence” shall mean City as mentioned in the address declared by You at the time of Policy
issuance and mentioned in the Policy Schedule.

B. CONDITIONS
1. The benefits under ‘Breakdown Assistance’ can be utilized for a maximum of 4 times during the
Add -On Cover Policy Period except for ‘Fuel Assistance’ ‘Taxi Benefits’ and ‘Accommodation
Benefits’, for which the aggregate utilization limit is 2 times during the Add-On Cover Policy Period

2. Claims made by You against Us under ‘Breakdown assistance’ are subject to the terms and
conditions set forth under Car Insurance.

3. List of cities where we offer breakdown assistance service is available on our website and can be
updated from time to time.

C. EXCLUSIONS
In addition to the General Exclusions listed under your Car Insurance, we shall not be liable to pay any
claim whatsoever in the event of the following:

1. Where Your Vehicle can be safely transferred on its own power to the nearest dealer/workshop.

2. Any loss or damage caused due to theft, earthquake, acts of terrorism, riots, strikes, Act of God
perils like flood, earthquake etc and confiscation, intervention of Government Authorized Agencies,
Police Authorities or Law Enforcing Agencies.

3. The cost of any parts, components/consumables or materials used to repair Your Vehicle.

4. Repair and labour costs other than 45 minutes of roadside labour on the spot of accident in case
of minor repairs.

5. Any loss or damage arising out of any action of Yours which violate law of the land.

6. Any loss or damage caused to Your Vehicle when it is being used /driven against the
recommendation of the owner’s / manufacturer’s manual.

7. Any claims where services have been availed of without Our prior consent.

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D. WHAT TO DO IN CASE OF BREAKDOWN
If Your Vehicle breaks down please call our Assistance Service Provider at 1800-258-5956. Please have
the following information ready to share with the call recipient, who will use it to validate Your Policy,

• Your telephone number which our Assistance Service Provider can call You back on

• Your Vehicle registration

• Your insurance Policy number

• The precise location of Your Vehicle (or as accurate as You can be in the circumstances)

• Your Vehicle make, model and colour together with any specific details, which may assist Us in
locating You Quickly

We will take Your details and ask You to remain nearby the mobile phone You are calling from. Once
our Assistance Service Provider has made all the arrangements, they will contact You to advise who
will be coming out to You and how long they are expected to take. Your mobile phone must therefore
be switched on and available to take calls at all times. You will then be asked to return to Your Vehicle.
Please remember to guard Your safety at all times and remain with or near Your Vehicle until the
assistance arrives. Once the assistance arrives at the scene, please be guided by their safety advice. If
the Police or Highways Agency are present at the scene please advise them that You have contacted
our Assistance Service Provider or give them our Assistance Service Provider’s telephone number to
call Assistance Service Provider on Your behalf.

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 Digit Private Car Tyre Protect
(Offered only to Vehicles fitted with Run Flat Technology)
UIN: IRDAN158RP0005V01201718/A0013V01201718

A. ADD-ON WORDINGS
Under this Add on Cover, we will reimburse you for the

• cost of replacing the damaged tyre(s) with a new equivalent or near equivalent tyre(s) of make-
model and specification similar to the one being used in the Insured vehicle at the time of availing
Car insurance/at the time of accident/damage to the tyre

• labour charges toward removing & refitting of the tyre and

• charges towards wheel balancing,

as may be necessitated, arising out of accidental loss or damage to Tyre & Tubes of Your Vehicle
making the tyre unfit for use due to:

• bulge in tyre

• bursting of tyre

• cut or damage to the tyre

B. CONDITIONS
1. Claims made by You under this Add-On Cover are subject to conditions set forth under Your Car
Insurance Policy.

2. In the event of a claim under ‘Tyre Protect’, the admissible claim amount will not exceed the
following, basis the unused tread depth of the respective tyre:

Unused Tread Depth of

the Tyre(s) at the Time Admissible Claim Amount Inspection Conditions
of Loss

>= 7 mm 100% of the cost of new tyre(s) 1. Tyre pressure as Specified by manufacturer

>=6.5 mm and <6.9 mm 85% of the cost of new tyre(s) 2. Unused Tread depth will be measured at the
centre of the tread.
>=5 mm and <=6.4 mm 75% of the cost of new tyre(s)
3. Minimum 3 measurements at 3 different places
>=3 mm and <= 4.9 mm 50% of the cost of new tyre(s) will be taken for the purpose of arriving at mean
tread depth which will be the basis of indemnity
< 3 mm Nil under the coverage.

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 3. The benefits under ‘Tyre Protect’ can be utilized only for a maximum of four (4) tyre(s) of the
Insured Vehicle during the Policy Period

4. Where the Loss or Damage to Tyre(s) is caused by an insured peril due to which the Insured Vehicle
is also damaged and covered under “Own Damage” section of the Car Insurance, then Benefit
payment under this Add-On Cover will be admissible claim amount as per table above less amount
payable under Own Damage Section of the Car Insurance

5. If You replace tyre(s) of the Insured Vehicle on Your own, it is Your obligation to inform Us about such
change with necessary details like Tyre Make, Model, Serial Number, Invoice Copy of the new tyre(s)
in the absence of which We shall not be liable to make any payment of claim under this cover.

C. EXCLUSIONS
In addition to the General Exclusions listed under your Car Insurance, we shall not be liable to pay any
claim whatsoever in the event of the following:

1. Cost of puncture or tyre repair.

2. Any damage arising as a result of poor workmanship while undertaking repair or at the time of
manufacturing / assembly or due to unauthorized repair.

3. Any damage that results from violations of operating instructions given in the manual provided by
Car manufacturer including without limitations of maximum load, manufacturer’s recommended
tyre pressure, passenger capacity, racing, rally & modifications that have not been approved.

4. Inconsequential aspects such as minor damage, scratches, minor cuts, noises, sensations and
vibrations that do not affect performance.

5. Any damage that results from improper storage or transportation.

6. Routine maintenance including adjustment, alignment, balancing or rotation of wheels / tyres /

tubes.

7. Claim towards wheel balancing, wheel alignment if tyre replacement is not admitted.

8. Claim where vehicle is not repaired at Digit Authorized Repair Shop.

9. Any claim where an opportunity is not given to us to inspect the damage or loss before
commencement of repair.

10. Where a loss is covered under manufacturer’s warranty or recall campaign or under any other
such packages at the same time

11. Any loss or damage to tyre(s) of the Insured Vehicle which has been used for its full specified life
as per manufacturer’s guidelines

12. Any loss or damage that results from neglect of the periodic maintenance as specified by the
manufacturer of the Insured Vehicle and/or manufacturer of the tyre(s)

13. Where the batch number of damaged tyre(s) is different than the make, model or batch number
specified in the Schedule

14. Theft of tyre(s) of the Insured Vehicle.

15. Any loss or damage to rims, wheel accessories, suspension or any other part or accessories of the
Insured Vehicle arising as a result of damage to the tyre(s) of the Insured Vehicle.

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 Digit Private Car Return To Invoice
UIN: IRDAN158RP0005V01201718/A0012V01201718

A. ADD-ON WORDINGS
In the event of Your Insured Vehicle being a Total Loss/Constructive Total Loss/Total Theft, We, solely
at Our discretion, may compensate You in either of the following ways:

1. Pay the cost of new vehicle of same or near equivalent make, model, features, specification of the
Insured Vehicle less amount payable under Car Insurance Policy; or

2. If exactly same make, model, variant is discontinued Our Liability will be limited to the shortfall
with respect to the last available invoice price of the Insured Vehicle immediately before
discontinuation.

In addition to the above, you will also receive the following benefits:

a. Payment towards First time registration charges of the New Vehicle.

b. Payment of Road Tax

c. Insurance Policy to Cover the New Vehicle which includes Own Damage Cover, Third Party Liability
Cover and Add-On Cover (as availed in Your Car Insurance Policy) provided you opt to insure the
new vehicle with us.

d. Payment of Cost of any accessories including bi-fuel kit which were specifically Insured under
Section 1 (Own Damage) of the Car Insurance Policy provided these are not part of factory fitted
accessories of the new vehicle

B. CONDITIONS
1. No depreciation will be applied to assess the loss in the event of Total Loss / Constructive Total
Loss.

2. You shall bear the Co-payment percentage of the admissible claim amount under this Add-on
Cover. Applicable Co-payment percentage is shown on the Policy Schedule.

3. Claims made by You under this Add-On Cover are subject to conditions set forth under Your Car
Insurance

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 4. Any compensation under this Add-On Cover will be full and final settlement of Our liability under
this Add-On Cover.

5. Claim Payment in case of Total theft of the Insured Vehicle will be subject to submission of Final
Investigation Report by the Policy Authorities but not before 90 days from the date of theft.

C. EXCLUSIONS
In addition to the General Exclusions listed under your Car Insurance, we shall not be liable to pay any
claim whatsoever in the event of the following:

1. If the Claim of Total Loss / Constructive Total Loss / Total Theft of the vehicle is not admissible
under Section 1 (Own Damage) of the Car Insurance Policy.

2. The bank/finance Company whose interest is endorsed in the policy shall agree in writing.

3. Cost of any accessories including bi-fuel kit which were not specifically Insured under Section 1
(Own Damage) of the Car Insurance Policy Or not part of Original Equipment Manufacturer (OEM)
fitment.

4. If the vehicle is recovered within 90 days of the theft unless Final Investigation Report/Non-
Traceable Report is submitted.

5. Any claim which does not qualify as Total Loss / Constructive Total Loss as per the Car Insurance
Policy.

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 Digit Private Car Daily Conveyance Benefit
UIN: IRDAN158RP0005V01201718/A0011V01201718

A. ADD-ON WORDINGS
If a claim for accidental loss or damage is admitted under “Section I – Own Damage” of Your Car
Insurance Policy, we will, at our discretion, compensate for Your transportation cost during the repair
period due to non-availability of Your car, in either of the ways mentioned below:

a. Pay a fixed allowance per day; or

b. Provide a stand by Vehicle; or

c. Provide coupons from well-known taxi operators including without limitations to OLA and UBER for
an amount equal to the per day fixed allowance.

as per the Plan, Maximum Number of Days, Time Excess & Per Day Fixed Allowance mentioned in the
Policy Schedule.

“Act of God Perils” shall mean Natural Catastrophes like earthquake, storms and floods which are
Inevitable accidents that would affect large areas and population.

“Time Excess” shall mean the Excess Period opted by You for which We shall not be liable for any claim
payment. Claim Payment shall be considered for the number of days exceeding Time Excess Period after
the Date of First Loss Assessment up to the maximum eligible number of days opted or date on which
vehicle is ready for delivery whichever is earlier.

Example, if the insured Vehicle met with an accident on 01st Aug and it was given for repair on 3rd Aug,
whereas the first Loss Assessment was on 05th Aug, Time Excess will be applicable from 05th Aug.

B. CONDITIONS
1. Claims made by You under this Add-On Cover are subject to conditions set forth under Your Car
Insurance Policy.

2. Maximum two (2) claims shall be admissible under this Add-On during the Policy Period subject to
the maximum number of days as opted by You and mentioned in the Policy Schedule.

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 3. For computation of eligible number of days for Partial Loss/ Total Loss / Constructive Total Loss
Claims, the start date will be calculated from the date of First Loss Assessment of Your Vehicle
conducted by Us at the Digit Authorized Repair Shop and end on the day when vehicle is ready
for delivery subject to the Maximum eligible number of days and Time Excess opted by You and
mentioned in the Policy Schedule.

4. In case of theft claim, we will compensate for Your transportation cost from the date of intimation
of claim up to a maximum eligible number of days and subject to Time Excess opted by You and
mentioned in the Policy Schedule.

5. If You wish to retain the standby vehicle for more that eligible number of days, We will not be liable
to make any payment towards such retention of standby vehicle and you will Pay for the additional
number of days.

6. Standby Vehicle Provided by Us may not necessarily of the same make model. It could of same
class or a class lower than that of Your Vehicle.

C. EXCLUSIONS
In addition to the General Exclusions listed under your Car Insurance, We shall not be liable to pay any
claim whatsoever in the event of the following:

1. Time Excess opted by You and mentioned in the Policy Schedule.

2. Where Car Insurance is not valid.

3. Where the own damage claim made by you under the Car insurance is not payable or admitted.

4. Claim where vehicle is not repaired at Digit Authorized Repair Shop

5. Losses arising out of Act of God Perils, Riots & Strikes.

6. The loss claimed or covered under any other type of insurance policy or cover.

7. If You are claiming only for windscreen or glass damage under Section I (Own Damage) of Your
Car Insurance.

8. Time taken by the garage for damage not admissible under Section I (Own Damage). (Example: Due
to an accident, there is a damage only to the Bumper which is covered under Section I, however, You
also opt to get the Pre-exiting damaged door repaired at Your Cost, it will increase time and we shall
not be liable for this increased time)

9. Operating cost including fuel, for standby vehicle

10. You will bear any Cost of noncompliance of the terms and conditions laid down by the Standby
Vehicle Provider.

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 DIGIT PRIVATE CAR KEY & LOCK PROTECT
UIN: IRDAN158RP0005V01201718/A0068V01202021

A. ADD-ON WORDINGS
We will compensate You for the cost incurred towards:

a. replacing the Insured Vehicle’s keys upon the occurrence of theft or burglary or accidental loss or
damage to the keys during the Policy Period.

b. Cost of installing new lock or the lockset in Your Vehicle, including the locksmith charges, provided
there is a security risk arising out of the incidence of lost keys of Your Vehicle.

c. Cost of repairing/replacing Your locks and keys or the lockset, including the locksmith charges,
provided that the Insured Vehicle is broken into.

Subject to the Sum Insured and number of claims specified in the Policy Schedule against this
Add-On Cover.

B. CONDITIONS
1. In the event of theft or Burglary or Malicious Damage, You shall immediately, and in any event within
3 days from date of incident, lodge a complaint(FIR) (if applicable) with the police authority to obtain
crime reference and lost property report and also report the incidence of loss to Us.

2. The benefits under this Add-On can be utilized up to maximum of specified number of times (i.e. one
or two times) as mentioned in Policy Schedule during the Policy Period. The benefit provided under
this Add-On Cover will cease, once you have Claimed for the specified number of times mentioned
in Your Policy Schedule.

3. The replaced keys/lockset should be of same make, model and specification as the one for which the
claim is being made.

4. You must take reasonable care at all times and ensure safety of vehicle keys.

5. In case claim is admissible only under this add on cover and not under the Car Insurance policy (base
policy) – there will not be any impact on the NCB eligibility as provided in the Car Insurance policy.

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C. EXCLUSIONS
In addition to the General Exclusions listed under your Car Insurance, we shall not be liable to pay any
claim whatsoever under this cover in the event of the following:

1. Any claim which is reported or notified after 3 days to Us or Police Authority (if applicable) after the
date of the incident, provided, We may condone the delay in notification of claim on merits based on
the reason for delay furnished by You to Us in writing.

2. Any claim for additional or duplicate vehicle keys.

3. Any claim for damage to the vehicle keys or lockset due to wear and tear, mechanical or electrical
breakdown, cleaning, repairing, restoring or anything which happen gradually.

4. Any claim for replacing vehicle keys or lockset when only child parts of the same need to be replaced.

5. Pre-existing damages of any kind due to whatsoever reason.

6. Any loss or damage covered under manufacturer’s warranty.

7. Claim where repair is not carried out at in Manufacturer’s Authorized Dealership or Digit Authorized
Repair Shop.

8. Any claim where the Insured is not able to provide the invoices/receipts for the payments made in
respect of repair/replacement.

9. Any deliberate damage to the key/lock/lockset.

Subject otherwise to the terms, conditions and exclusions of the Car Insurance Policy.

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 DIGIT PRIVATE CAR LOSS TO PERSONAL BELONGINGS
UIN: IRDAN158RP0005V01201718/A0069V01202021

A. ADD-ON WORDINGS
Under this Add-On Cover, We will indemnify You against any physical loss or damage occurring during
the Policy Period to the Personal Baggage kept in the Insured Vehicle which belongs to You or Your
immediate family member, as a result of perils mentioned under Section I (Own Damage Section) of
Your Car Insurance Policy.

Subject to the Sum Insured and number of claims specified in the Policy Schedule against this Add-On
Cover.

Definition Specific to this add on cover

• “Immediate Family” shall mean Your spouse, children, parents or parents-in-law and grandparents.

• “Personal Baggage” shall include personal effects carried by You during a journey in the Insured
Vehicle and cover contents that are personal in nature including but not limited to clothes, toiletries,
shoes and items of similar nature.

Item not included in the Personal Baggage: Portable equipment or electrical/electronic items, Jewelry
and Valuables, 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, Cheques, Documents, Cash and Currency Notes and Coins, Credit and
Debit Cards, Items of a Consumable nature, baggage whilst being conveyed under a contract of
affreightment or a contract of carriage and goods or samples carried in connection with any trade or
business.

B. CONDITIONS
1. In the event of theft or Burglary or Malicious Damage, You shall immediately, and in any event within
3 days from date of incident, lodge a complaint(FIR) with the police authority (if applicable) to obtain
crime reference and lost property report and also report the incidence of loss to Us.

2. Where the Insured Item can reasonably be repaired or reinstated at a cost less than the replacement
cost, then We will indemnify You up to the Sum Insured in respect of the expenses necessarily
incurred to restore such item to its state immediately prior to the happening of the Insured Event. No
Depreciation will be applied except for parts with limited life.

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 3. In the event of Total Loss, We will indemnify You in respect of the restoration or replacement costs of
the lost or damaged Item subject to maximum of the Sum Insured and number of claims as opted by
You and mentioned in Your Policy Schedule.

4. The benefits under this Add-On can be utilized up to maximum of specified number of times (ie one
or two times) as mentioned in Policy Schedule during the Policy Period. The benefit provided under
this Add-On Cover will cease, once you have Claimed for the specified number of times mentioned in
Your Policy Schedule.

5. In case claim is admissible only under this add on cover and not under the Car Insurance policy (base
policy) – there will not be any impact on the NCB eligibility as provided in the Car Insurance policy.

C. EXCLUSIONS
In addition to the General Exclusions listed under your Car Insurance, we shall not be liable to pay any
claim whatsoever under this cover in the event of the following:

1. Where the Own Damage Claim made by You against Us under the Car Insurance is not admissible.
However, this exclusion is not applicable in case of theft or burglary of Personal Baggage.

2. Any claim which is reported or notified after 3 days to Us or Police Authority after the happening of
the loss or damage, provided, We may condone the delay in notification of claim on merits based on
the reason for delay furnished by You to Us in writing.

3. Any theft from vehicles parked in no-parking zone and from un-attended vehicle after accident

4. Any loss or damage to goods or samples carried in connection with any trade or business.

5. Theft of Your Personal Baggage from the Insured Vehicle unless all the doors, windows and other
opening are securely locked & properly fastened and where entry was effected by violent and forcible
means.

6. Loss or damage caused by delay, wear and tear, moth, vermin, atmospheric or climatic, conditions,
deterioration or electrical or mechanical derangement of any kind.

7. Loss or damage caused by spilled fluid from cosmetic or beverage containers whilst in the baggage.

8. Breakage, Cracking or Scratching of Binoculars, Lenses and similar articles of brittle or fragile nature
unless such loss or damage is due to an accident to Insured Vehicle in which such Personal Baggage
is conveyed by You.

9. Any loss or damage to personal baggage of a consumable nature.

10. Loss damage or consequential loss directly or indirectly caused by, consisting of, or arising from any
corruption, destruction, distortion, erasure or other loss or damage to data, software, or and kind of
programming or instruction set.

11. Loss or damage that is covered under Manufacturers, Supplier or Dealer’s Warranty.

12. Any claim caused due to contributory negligence will be invalid.

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Cancellation (Applicable to all the above Add-On Cover)
1. If You want to Cancel this Policy (God forbid), You can do so by giving Us 7 days prior written
notice, provided no claim is made or pending under the Add-on Cover Policy. In such cases, we will
refund you premium on the basis of short period rates as per Indian Motor Tariff

2. We may terminate this agreement on grounds of misrepresentation, fraud, non-disclosure of

material facts or non-co-operation of the Insured by sending to the insured seven days’ notice by
recorded delivery at last known address/e-mail ID and the Company will refund to the insured the
pro-rata premium for the balance period of the policy.

3. Add-On Covers cannot be Cancelled on Standalone basis unless the base Car Insurance Policy is
cancelled.

Notification Of Claim (Applicable to all the above Add-On Cover)

In case of claim, kindly contact us at 1800-258-5956 or write to us at hello@godigit.com

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Definitions (Applicable to all the Add-On Covers)
You may need to know (more legalese)

The words and phrases listed below have specific meanings mentioned hereunder with respect to
Coverages and Exclusions, wherever they appear in the document for purpose of reference.

1. Accident, Accidental: A sudden, unforeseen, unintended event caused by external, visible and/or
violent means.

2. Add-On Cover Policy: The Schedule containing information related to You and Your Vehicle, Terms
and Conditions, Exclusion and without limitation any Annexure or Endorsement to it, which sets
out the Insurance contract between You and Us.

3. Car Insurance: Private Car Package Policy, pertaining to Your Car issued by an IRDAI licensed
insurance company covering own damage under Section I and Third-Party Liability under Section II
of the Indian Motor Tariff.

4. Co-Payment: is a cost-sharing arrangement which provides that the policyholder/insured will bear
a specified percentage of the admissible claim amount.

5. Digit Authorized Repair Shop: Any automobile repair shop which is formally approved by Us as
preferred Service Provider for repair of Your Vehicle.

6. IDV: Insured’s Declared Value (Sum Insured) of Your Vehicle as per the Car Insurance.

7. Own Damage Claim: The claims raised by You under the Car Insurance against Your Insurance
Company for loss or damage to Your Vehicle under Section I (Own Damage Section).

8. Original ex-showroom Price: This is the price mentioned on the Original Purchase Invoice of the
Insured Vehicle.

9. Partial Loss: Any loss involving repair of Your Car but not amounting to Total Loss/ Constructive
Total Loss.

10. Policy Period: The Period from the Commencement Date and Time to the Expiry Date and Time as
shown in the Policy Schedule of Car Insurance.

11. Policy Schedule: Policy schedule is the part of the insurance contract that identifies the
policyholder and includes details of the property and persons covered, the amount of coverage,
the extent of coverage including Add-On Covers (if Opted), the exclusions, the deductibles, and the
payment receipt details.

12. Total Loss/ Constructive Total Loss: A Vehicle will be considered to be a Total Loss / Constructive
Total Loss, where the aggregate cost of retrieval and / or repair of the insured vehicle, subject to
terms and conditions of the Car Insurance exceeds 75% of the IDV.

13. We, Our, Us, Digit: Go Digit General Insurance Ltd.

14. Your Vehicle/Insured Vehicle: The Car Insured by us as per the Add-On Cover Policy.

15. You, Your: The person or persons whose vehicle are insured as set out in the Policy Schedule

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