Go Digit General Insurance Ltd.

DIGIT PRIVATE CAR POLICY – BUNDLED

POLICY WORDING
UIN: IRDAN158RP0008V02201819

Important clarificatory note:

1. This Comprehensive Bundled Policy “Digit Private Car Policy- Bundled” has two sections – Section I LOSS
OF OR DAMAGE TO THE VEHICLE INSURED (Own Damage Cover) and Section II LIABILITY TO THIRD
PARTIES (Third Party Cover).
2. At the inception of this policy, coverage duration of Own Damage Cover will be One Year (1 Year), while
for Third Party Cover, it will be Three Years (3 years) as specified in your Policy Schedule. Own Damage
Cover shall end on completion of the first year of this comprehensive bundled policy, however third-
party cover shall continue till three years.
3. To continue having Own Damage Cover for your vehicle from second year onwards, You need to
purchase “Standalone Own Damage Policy” with Us or different insurer, without any break-in, on an
annual basis.
4. If the “Own Damage Cover” of your vehicle is cancelled during the Policy Period or expired and you have
not purchased “Digit Private Car Standalone Own Damage Policy” or similar product from different
insurer, then your policy shall continue as “Digit Private Car Liability Only Policy – Long Term (3 years)”
which will be governed by standard wordings of Liability Act only, till the end of remaining period of the
Policy.
5. Policy Wordings of “Digit Private Car Liability Only Policy – Long Term (3 Years)” is provided as
Annexure- I to this document, which will be applicable in case there is no valid Own Damage Cover for
your vehicle.

Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this
contract and is deemed to be incorporated herein has applied to Go Digit General Insurance Ltd. (herein after
referred to as “Company/DIGIT”) for the insurance hereinafter contained and has paid the premium mentioned in
the schedule as consideration for such insurance in respect of accidental loss or damage occurring during the
period of insurance.

NOW THIS POLICY WITNESSETH:

That subject to the Terms Exceptions and Conditions contained herein or endorsed or expressed hereon.

SECTION I. LOSS OF OR DAMAGE TO THE VEHICLE INSURED

The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and/or its
accessories whilst thereon
1. by fire explosion self-ignition or lightning;
2. by burglary housebreaking or theft;
3. by riot and strike;
4. by earthquake (fire and shock damage);
5. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;
6. by accidental external means;
7. by malicious act;
8. by terrorist activity;
9. whilst in transit by road rail inland-waterway lift elevator or air;
10. by landslide rockslide.

Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced:
1. For all rubber/nylon/plastic parts, tyres and tubes, batteries and air bags - 50%
2. For fibre glass components - 30%
3. For all parts made of glass - Nil
4. Rate of Depreciation for Painting - In the case of painting, the depreciation rate of 50% shall be applied only
on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material
component shall be considered as 25% of the total painting charges for the purpose of applying the
depreciation.
Digit Private Car Policy – Bundled - Policy Wording (UIN: IRDAN158RP0008V02201819) Page 1 of 11
 Go Digit General Insurance Ltd.

5. Rate of depreciation for all other parts including wooden parts will be as per the following schedule.

Age of Vehicle % of Depreciation

Not Exceeding 6 months Nil
Exceeding 6 months but not exceeding 1 year 5%
Exceeding 1 year but not exceeding 2 years 10%
Exceeding 2 years but not exceeding 3 years 15%
Exceeding 3 years but not exceeding 4 years 25%
Exceeding 4 years but not exceeding 5 years 35%
Exceeding 5 years but not exceeding 10 years 40%
Exceeding 10 years 50%

The Company shall not be liable to make any payment in respect of:
a. Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages;
b. Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the
company shall be limited to 50% of the cost of replacement; and
c. Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the
knowledge and consent of the insured is under the influence of intoxicating liquor or drugs.

In the event of the vehicle being disabled by reason of loss or damage covered under this Policy the Company
will bear the reasonable cost of protection and removal to the nearest repairer and redelivery to the insured
but not exceeding in all Rs. 1500/- in respect of any one accident.
The insured may authorise the repair of the vehicle necessitated by damage for which the Company may be
liable under this Policy provided that:
a. The estimated cost of such repair including replacements, if any, does not exceed Rs.500/-;
b. The Company is furnished forthwith with a detailed estimate of the cost of repairs; and
c. The insured shall give the Company every assistance to see that such repair is necessary and the charges
are reasonable.

Sum Insured, Insured’s Declared Value (IDV):

The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of
this policy and this will be fixed at the commencement of the contract for the insured vehicle and shown on the
Policy Schedule.
The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the
manufacturer's listed selling price of the brand and model as the vehicle insured at the commencement of
insurance/renewal and adjusted for depreciation (as per schedule below).
The schedule of age-wise depreciation as shown below is applicable for the purpose of Total Loss/Constructive
Total Loss (TL/CTL) claims only.

The Schedule of Depreciation for Fixing IDV of the Vehicle

Age of Vehicle % of Depreciation for Fixing IDV
Not Exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%

IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the
manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding
between the Company and the insured.
IDV shall be treated as the “Market Value” throughout the policy period without any further depreciation for
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 Go Digit General Insurance Ltd.

the purpose of Total Loss (TL)/Constructive Total Loss (CTL) claims.

The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and/or repair of the vehicle,
subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.

SECTION II LIABILITY TO THIRD PARTIES

1. Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured
in the event of an accident caused by or arising out of the use of the vehicle against all sums which the
insured shall become legally liable to pay in respect of:
i. Death of or bodily injury to any person including occupants carried in the vehicle (provided such
occupants are not carried for hire or reward) but except so far as it is necessary to meet the
requirements of Motor Vehicles Act, the Company shall not be liable where such death or injury arises
out of and in the course of the employment of such person by the insured.
ii. Damage to property other than property belonging to the insured or held in trust or in the custody or
control of the insured.
2. The Company will pay all costs and expenses incurred with its written consent.
3. In terms of and subject to the limitations of the indemnity granted by this section to the insured, the Company
will indemnify any driver who is driving the vehicle on the insured's order or with insured's permission
provided that such driver shall as though he/she was the insured observe fulfill and be subject to the terms
exceptions and conditions of this Policy in so far as they apply.
4. In the event of the death of any person entitled to indemnity under this policy the Company will in respect of
the liability incurred by such person indemnify his/her personal representative in terms of and subject to the
limitations of this Policy provided that such personal representative shall as though such representative was
the insured observe, fulfill and be subject to the terms exceptions and conditions of this Policy in so far as
they apply.
5. The Company may at its own option
a. Arrange for representation at any Inquest or Fatal Inquiry in respect of any death which may be the subject
of indemnity under this Policy; and
b. Undertake the defense of proceedings in any Court of Law in respect of any act or alleged offence causing
or relating to any event which may be the subject of indemnity under this Policy.

AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY

Nothing in this Policy or any endorsement hereon shall affect the right of any person indemnified by this Policy or
any other person to recover an amount under or by virtue of the provisions of the Motor Vehicles Act.
But the insured shall repay to the Company all sums paid by the Company which the Company would not have
been liable to pay but for the said provisions.

APPLICATION OF LIMITS OF INDEMNITY

In the event of any accident involving indemnity to more than one person any limitation by the terms of this Policy
and/or of any Endorsement thereon of the amount of any indemnity shall apply to the aggregate amount of
indemnity to all persons indemnified and such indemnity shall apply in priority to the insured.

SECTION III PERSONAL ACCIDENT COVER FOR OWNER-DRIVER

The Company undertakes to pay compensation as per the following scale for bodily injury/death sustained by the
owner-driver of the vehicle, in direct connection with the vehicle insured or whilst driving or mounting
into/dismounting from the vehicle insured or whilst traveling in it as a co-driver, caused by violent accidental
external and visible means which independent of any other cause shall within six calendar months of such injury
result in:

Nature of Injury Scale of Compensation

i) Death 100%
ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%
iii) Loss of one limb or sight of one eye 50%
iv) Permanent total disablement from injuries other than named above 100%

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 Go Digit General Insurance Ltd.

Provided always that

1. Compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver
arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the Sum
of ₹ 15 lakhs during any one period of insurance.
2. No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part
arising or resulting from or traceable to
a. Intentional self-injury suicide or attempted suicide physical defect or infirmity or
b. An accident happening whilst such person is under the influence of intoxicating liquor or drugs.
3. Such compensation shall be payable directly to the insured or to his/her legal representatives whose receipt
shall be the full discharge in respect of the injury to the insured.

This cover is subject to

I. The owner-driver is the registered owner of the vehicle insured herein;
ii. The owner-driver is the insured named in this policy.
iii. The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the
Central Motor Vehicles Rules, 1989 (or any amendments thereafter), at the time of the accident.

GENERAL EXCEPTIONS (Applicable to all Sections of the Policy)

The Company shall not be liable under this Policy in respect of
1. Any accidental loss damage and/or liability caused sustained or incurred outside the geographical area stated
in the schedule.
2. Any claim arising out of any contractual liability;
3. Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is
a. being used otherwise than in accordance with the “Limitations as to Use”
or
b. being driven by or is for the purpose of being driven by him/her in the charge of any person other than a
Driver as stated in the Driver's Clause.
4. (i) Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or
arising there from or any consequential loss
(ii) Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from
ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from
the combustion of nuclear fuel. For the purpose of this exception combustion shall include any self-sustaining
process of nuclear fission.
5. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from
nuclear weapons material.
6. Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by
contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign
enemies, hostilities or warlike operations (whether before or after declaration of war) civil war, mutiny
rebellion, military or usurped power or by any direct or indirect consequence of any of the said occurrences
and in the event of any claim hereunder the insured shall prove that the accidental loss damage and/or
liability arose independently of and was in no way connected with or occasioned by or contributed to by or
traceable to any of the said occurrences or any consequences thereof and in default of such proof, the
Company shall not be liable to make any payment in respect of such a claim.

DEDUCTIBLE
The Company shall not be liable for each and every claim under Section - I (loss of or damage to the vehicle insured)
of this Policy in respect of the deductible stated in the schedule.
In addition to the compulsory deductible, insured may also opt for voluntary deductible.

CONDITIONS
This Policy and the Schedule shall be read together and any word or expression to which a specific meaning has
been attached in any part of this Policy or of the Schedule shall bear the same meaning wherever it may appear.
1. Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or
damage in the event of any claim and thereafter the insured shall give all such information and assistance as
the Company shall require. Every letter claim writ summons and/or process or copy thereof shall be
forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the
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 Go Digit General Insurance Ltd.

Company immediately the insured shall have knowledge of any impending prosecution, inquest or fatal
inquiry in respect of any occurrence which may give rise to a claim under this Policy. In case of theft or
criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to
the police and co-operate with the Company in securing the conviction of the offender.
2. No admission offer promise payment or indemnity shall be made or given by or on behalf of the insured
without the written consent of the Company which shall be entitled if it so desires to take over and conduct
in the name of the insured the defence or settlement of any claim or to prosecute in the name of the insured
for its own benefit any claim for indemnity or otherwise and shall have full discretion in the conduct of any
proceedings or in the settlement of any claim and the insured shall give all such information and assistance
as the Company may require.
3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its
accessories or may pay in cash the amount of the loss or damage and the liability of the Company shall not
exceed:
a. For total loss / constructive total loss of the vehicle -the Insured's Declared Value (IDV) of the vehicle
(including accessories thereon) as specified in the Schedule less the value of the wreck.
b. For partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle - actual and
reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as per
limits specified.
4. The insured shall take all reasonable steps to safeguard the vehicle from loss or damage and to maintain it in
efficient condition and the Company shall have at all times free and full access to examine the vehicle or any
part thereof or any driver or employee of the insured. In the event of any accident or breakdown, the vehicle
shall not be left unattended without proper precautions being taken to prevent further damage or loss and if
the vehicle be driven before the necessary repairs are effected any extension of the damage or any further
damage to the vehicle shall be entirely at the insured's own risk.
5. If at the time of occurrence of an event that gives rise to any claim under this policy there is in existence any
other insurance covering the same liability, the Company shall not be liable to pay or contribute more than
its ratable proportion of any compensation, cost or expense.
6. The due observance and fulfillment of the terms, conditions and endorsements of this Policy in so far as they
relate to anything to be done or complied with by the insured and the truth of the statements and answers in
the said proposal shall be conditions precedent to any liability of the Company to make any payment under
this Policy.
7. In the event of the death of the sole insured, this policy will not immediately lapse but will remain valid for a
period of three months from the date of the death of insured or until the expiry of this policy (whichever is
earlier). During the said period, legal heir(s) of the insured to whom the custody and use of the Motor Vehicle
passes may apply to have this Policy transferred to the name(s) of the heir(s) or obtain a new insurance
policy for the Motor Vehicle.
Where such legal heir(s) desire(s) to apply for transfer of this policy or obtain a new policy for the vehicle
such heir(s) should make an application to the Company accordingly within the aforesaid period. All such
applications should be accompanied by:
a. Death Certificate in respect of the insured
b. Proof of title to the vehicle
c. Original Policy
8. No change can be made to this policy unless the Company has approved it and confirmed by endorsing the
policy schedule.
9. Any and all disputes arising out of and under this Policy shall be governed by and determined in accordance
with Indian law.
10. All other conditions which are not specifically mentioned in the policy document will be as per Indian Motor
tariff (IMT) 2002.
11. In case the claim is not settled within the specified timelines, then the claimant is entitled for interest as per
the rate specified in prevailing regulatory provisions, this condition will not be applicable for Section II. Liability
to third parties.

CANCELLATION
1. Under no circumstances statutory Motor Third Party Liability insurance or any other compulsory insurance
mandated by law can be cancelled, except in case of double insurance or total loss. A policy can be cancelled only
after ensuring that the vehicle is insured elsewhere, at least for Liability Only cover and after surrender of the
Digit Private Car Policy – Bundled - Policy Wording (UIN: IRDAN158RP0008V02201819) Page 5 of 11
 Go Digit General Insurance Ltd.

original Certificate of Insurance for cancellation.

2. Cancellation by Insured: Policy may be cancelled at the option of the insured at any time during the term, by
informing Us. In such a case we shall —
a. Refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there
is no claim(s) made during the policy period.
b. Refund premium for the unexpired policy period, in respect of policy with the term more than one year and
the risk coverage for such policy years has not commenced.
3. Cancellation by Insurer: Policy may be cancelled by the Company on the grounds of established fraud, by giving
minimum notice of 7 (seven) days to the insured.

NO CLAIM BONUS (NCB)

The insured is entitled for a No Claim Bonus (NCB) on the Own Damage section of the policy, if no claim is made
or pending during the preceding year(s), as per the following table:

Period of Insurance % of NCB on OD

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.

Customer Grievance Redressal Policy:

The Company is committed to extending the best possible services to its customers. However, if you are not
satisfied with our services and wish to lodge a complaint, please feel free to call our 24X7 Toll free number 1800-
258-5956 or you may email to the customer service desk at hello@[Link]. After investigating the matter
internally and subsequent closure, we will send our response.

If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may
contact the grievance officer at grievance@[Link]

For updated details of grievance officer, kindly refer the link:

[Link]

Grievance may also be lodged at IRDAI Integrated Grievance Management System- [Link]

If you do not get a satisfactory response from us and you wish to pursue other avenues for redressal of grievances,
you may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman Scheme
The contact details of the Insurance Ombudsman centers are mentioned below:
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 Go Digit General Insurance Ltd.

Office Location Contact Details Jurisdiction of Office

Union Territory, District)
AHMEDABAD Office of the Insurance Ombudsman, Gujarat,
Jeevan Prakash Building, 6th floor, Dadra & Nagar Haveli,
Tilak Marg, Relief Road, Ahmedabad – 380 001. Daman and Diu.
Tel.: 079 - 25501201/02/05/06
Email: [Link]@[Link]
BENGALURU Office of the Insurance Ombudsman, Karnataka.
Jeevan Soudha Building, PID No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase, Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: [Link]@[Link]
BHOPAL Office of the Insurance Ombudsman, Madhya Pradesh
Janak Vihar Complex, 2nd Floor, Chhattisgarh
6, Malviya Nagar, Opp. Airtel Office,
Near New Market, Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202 Fax: 0755 - 2769203
Email: [Link]@[Link]
BHUBANESHWAR Office of the Insurance Ombudsman, Orissa.
62, Forest park, Bhubneshwar – 751 009.
Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
Email: [Link]@[Link]
CHANDIGARH Office of the Insurance Ombudsman, Punjab,
S.C.O. No. 101, 102 & 103, 2nd Floor, Haryana(excluding Gurugram, Faridabad, Sonepat
Batra Building, Sector 17 – D, Chandigarh – 160 017. and Bahadurgarh)
Tel.: 0172 - 2706196 / 2706468 Fax: 0172 - 2708274 Himachal Pradesh, Union Territories of Jammu &
Email: [Link]@[Link] Kashmir,
Ladakh & Chandigarh.
CHENNAI Office of the Insurance Ombudsman, Tamil Nadu,
Fatima Akhtar Court, 4th Floor, 453, Tamil Nadu
Anna Salai, Teynampet, CHENNAI – 600 018. Puducherry Town and
Tel.: 044 - 24333668 / 24335284 Fax: 044 - 24333664 Karaikal (which are part of Puducherry)
Email: [Link]@[Link]
DELHI Office of the Insurance Ombudsman, Delhi &
2/2 A, Universal Insurance Building, Following Districts of Haryana - Gurugram,
Asaf Ali Road, New Delhi – 110 002. Faridabad, Sonepat & Bahadurgarh.
Tel.: 011 - 23232481/23213504
Email: [Link]@[Link]
GUWAHATI Office of the Insurance Ombudsman, Assam, Meghalaya, Manipur, Mizoram,
Jeevan Nivesh, 5th Floor, Arunachal Pradesh, Nagaland and Tripura.
Nr. Panbazar over bridge, S.S. Road, Guwahati – 781001(ASSAM).
Tel.: 0361 - 2632204 / 2602205
Email: [Link]@[Link]
HYDERABAD Office of the Insurance Ombudsman, Andhra Pradesh,
6-2-46, 1st floor, "Moin Court", Telangana,
Lane Opp. Saleem Function Palace, Yanam and
A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. part of Union Territory of Puducherry.
Tel.: 040 – 23312122 Fax: 040 - 23376599
Email: [Link]@[Link]
JAIPUR Office of the Insurance Ombudsman, Rajasthan.
Jeevan Nidhi – II Bldg., Gr. Floor,
Bhawani Singh Marg, Jaipur - 302 005.
Tel.: 0141 – 2740363 Email: [Link]@[Link]
ERNAKULAM Office of the Insurance Ombudsman, Kerala,
2nd Floor, Pulinat Bldg., Lakshadweep,
Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015. Mahe-a part of Union Territory of Puducherry.
Tel.: 0484 - 2358759 / 2359338 Fax: 0484 - 2359336
Email: [Link]@[Link]
KOLKATA Office of the Insurance Ombudsman, West Bengal,
Hindustan Bldg. Annexe, 4th Floor, Sikkim,
4, C.R. Avenue, KOLKATA - 700 072. Andaman & Nicobar Islands.
Tel.: 033 - 22124339 / 22124340
Fax : 033 – 22124341 Email: [Link]@[Link]
LUCKNOW Office of the Insurance Ombudsman, Districts of Uttar Pradesh :
6th Floor, Jeevan Bhawan, Phase-II, Lalitpur, Jhansi, Mahoba, Hamirpur, Banda,
Nawal Kishore Road, Hazratganj, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra,
Lucknow - 226 001. Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur,
Tel.: 0522 - 2231330 / 2231331 Jalaun, Kanpur, Lucknow, Unnao, Sitapur,
Fax: 0522 - 2231310 Lakhimpur, Bahraich, Barabanki, Raebareli,
Email: [Link]@[Link] Sravasti, Gonda, Faizabad, Amethi, Kaushambi,
Balrampur, Basti, Ambedkarnagar, Sultanpur,
Maharajgang, Santkabirnagar, Azamgarh,
Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur,

Digit Private Car Policy – Bundled - Policy Wording (UIN: IRDAN158RP0008V02201819) Page 7 of 11
 Go Digit General Insurance Ltd.

Chandauli, Ballia, Sidharathnagar.

MUMBAI Office of the Insurance Ombudsman, Goa,
3rd Floor, Jeevan Seva Annexe, Mumbai Metropolitan Region
S. V. Road, Santacruz (W), excluding Navi Mumbai & Thane.
Mumbai - 400 054.
Tel.: 022 - 26106552 / 26106960
Fax: 022 - 26106052
Email: [Link]@[Link]
NOIDA Office of the Insurance Ombudsman, State of Uttaranchal and the following Districts of
Bhagwan Sahai Palace Uttar Pradesh:
4th Floor, Main Road, Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun,
Naya Bans, Sector 15, Bulandshehar, Etah, Kanooj, Mainpuri, Mathura,
Distt: Gautam Buddh Nagar, Meerut, Moradabad, Muzaffarnagar, Oraiyya,
U.P-201301. Pilibhit, Etawah, Farrukhabad, Firozbad,
Tel.: 0120-2514252 / 2514253 Gautambodhanagar, Ghaziabad, Hardoi,
Email: [Link]@[Link] Shahjahanpur, Hapur, Shamli, Rampur, Kashganj,
Sambhal, Amroha, Hathras, Kanshiramnagar,
Saharanpur.
PATNA Office of the Insurance Ombudsman, Bihar,
1st Floor,Kalpana Arcade Building,, Jharkhand.
Bazar Samiti Road, Bahadurpur, Patna 800 006.
Tel.: 0612-2680952
Email: [Link]@[Link]
PUNE Office of the Insurance Ombudsman, Maharashtra,
Jeevan Darshan Bldg., 3rd Floor, Area of Navi Mumbai and Thane
C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, excluding Mumbai Metropolitan Region.
Pune – 411 030.
Tel.: 020-41312555
Email: [Link]@[Link]

For updated details of Ombudsman details, request to please check Council of Insurance Ombudsmen website available
on [Link]
Note: COUNCIL FOR INSURANCE OMBUDSMAN ,3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400
[Link].: 022 – 69038801/03/04/05/06/07/08/09 Email: inscoun@[Link]

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 Go Digit General Insurance Ltd.

ANNEXURE – I
Digit Private Car Liability Only Policy – Long Term (3 Years)
UIN: IRDAN158RP0004V02201819

Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this
contract and is deemed to be incorporated herein has applied to Go Digit General Insurance Ltd. (herein after
referred to as “Company/DIGIT”) for the insurance hereinafter contained and has paid the premium as
consideration for such insurance in respect of events occurring during the period of insurance.

NOW THIS POLICY WITNESSETH:

That subject to the Terms Exceptions and Conditions contained herein or endorsed or expressed hereon.

i. LIABILITY TO THIRD PARTIES

1. Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured
in the event of an accident caused by or arising out of the use of the motor vehicle anywhere in India
against all sums including claimant's costs and expenses which the insured shall become legally liable to pay
in respect of:
a. Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor
Vehicles Act
b. Damage to property other than property belonging to the insured or held in trust or in the custody or
control of the insured up to the limit specified in the schedule.
2. The Company will pay all costs and expenses incurred with its written consent.
3. In terms of and subject to the limitations of the indemnity which is granted by this policy to the insured, the
Company will indemnify any driver who is driving the Motor vehicle on the insured's order or with insured's
permission provided that such driver shall as though he/she were the insured observe, fulfill and be subject to
the terms exceptions and conditions of this Policy in so far as they apply.
4. In the event of the death of any person entitled to indemnity under this policy the Company will in respect of
the liability incurred by such person indemnify his/her personal representative in terms of and subject to the
limitations of this Policy provided that such personal representative shall as though such representative was
the insured observe, fulfill and be subject to the terms exceptions and conditions of this Policy in so far as they
apply.
5. The Company may at its own option
a. Arrange for representation at any Inquest or Fatal Inquiry in respect of any death which may be the subject
of indemnity under this Policy; and
b. Undertake the defense of proceedings in any Court of Law in respect of any act or alleged offence causing or
relating to any event which may be the subject of indemnity under this Policy.

Avoidance of Certain Terms and Right of Recovery

Nothing in this Policy or any endorsement hereon shall affect the right of any person indemnified by this Policy or
any other person to recover an amount under or by virtue of the provisions of the Motor Vehicles Act.

But the insured shall repay to the Company all sums paid by the Company which the Company would not have
been liable to pay but for the said provisions.

Application of Limits of Indemnity

In the event of any accident involving indemnity to more than one person any limitation by the terms of this Policy
and/or of any Endorsement thereon of the amount of any indemnity shall apply to the aggregate amount of
indemnity to all persons indemnified and such indemnity shall apply in priority to the insured.

ii. PERSONAL ACCIDENT COVER FOR OWNER-DRIVER

Subject otherwise to the terms, exceptions, conditions and limitations of this policy, the Company undertakes to
pay compensation as per the following scale for bodily injury/death sustained by the owner-driver of the vehicle, in
direct connection with the vehicle insured or whilst mounting into/dismounting from the vehicle insured or whilst

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 Go Digit General Insurance Ltd.

traveling in it as a co-driver, caused by violent accidental external and visible means which independent of any
other cause shall within six calendar months of such injury result in:

Nature of Injury Scale of compensation

i) Death 100%
ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%
iii) Loss of one limb or sight of one eye 50%
iv) Permanent total disablement from injuries other than named above 100%

Provided always that

1. Compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver
arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum
of ₹ 15 lakhs during any one period of insurance.
2. No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part
arising or resulting from or traceable to
a. Intentional self-injury, suicide or attempted suicide, physical defect or infirmity or
b. An accident happening whilst such person is under the influence of intoxicating liquor or drugs.

This cover is subject to

I. The owner-driver is the registered owner of the vehicle insured herein;
ii. The owner-driver is the insured named in this policy.
iii. The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the
Central Motor Vehicles Rules, 1989 (or any amendments thereafter), at the time of the accident.

GENERAL EXCEPTIONS
1. The Company shall not be liable in respect of any claim arising whilst the vehicle insured herein
a. being used otherwise than in accordance with the “Limitations as to Use” or
b. being driven by or is for the purpose of being driven by him/her in the charge of any person other than a
Driver as stated in the Driver's Clause
2. The Company shall not be liable in respect of any claim arising out of any contractual liability;
3. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be
liable in respect of death arising out of and in the course of employment of a person in the employment of the
insured or in the employment of any person who is indemnified under this policy or bodily injury sustained by
such person arising out of and in the course of such employment.
4. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be
liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in
pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the
Motor Vehicle at the time of the occurrence of the event out of which any claim arises.
5. The Company shall not be liable in respect of any liability directly or indirectly or proximately or remotely
occasioned by contributed by or traceable to or arising out of or in connection with War, Invasion, the Act of
foreign enemies, hostilities or warlike operations (whether before or after declaration of war), Civil War,
Mutiny, Rebellion Military or usurped power or by any direct or indirect consequences of any of the said
occurrences and in the event of any claim hereunder, the Insured shall prove that the accident, loss, damage
and/or liability, arose independently of and was in no way connected with or occasioned by or contributed to
by or traceable to any of the said occurrences or any consequences thereof and in default of such proof, the
Company shall not be liable to make any payment in respect of such a claim.
6. The Company shall not be liable in respect of any liability directly or indirectly caused by or contributed to by or
arising from nuclear weapons material.

CONDITIONS
This Policy and the Schedule shall be read together and any word or expression to which a specific meaning has
been attached in any part of this Policy or of the Schedule shall bear the same meaning wherever it may appear.
1. Notice shall be given in writing to the Company immediately upon the occurrence of any accident in the event
of any claim. Every letter, claim, writ, summons and/or process shall be forwarded to the Company
immediately on receipt by the insured. Notice shall also be given in writing to the Company immediately after
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 Go Digit General Insurance Ltd.

the insured shall have knowledge of any impending prosecution, inquest or fatal inquiry in respect of any
accident which may give rise to a claim under this Policy.
2. No admission, offer, promise, payment, or indemnity shall be made or given by or on behalf of the insured
without the written consent of the Company which shall be entitled if it so desires to take over and conduct in
the name of the insured the defense or settlement of any claim or to prosecute in the name of the insured for
its own benefit any claim for indemnity or otherwise and shall have full discretion in the conduct of any
proceedings or in the settlement of any claim and the insured shall give all such information and assistance as
the Company may require. If the Company shall make any payment in settlement of any claim and such
payment includes any amount not covered by this Policy the insured shall repay to the Company the amount
not so covered.
3. The insured shall take all reasonable steps to maintain insured vehicle in efficient condition and the Company
shall have at all times free and full access to examine the insured vehicle or any part thereof or any driver or
employee of the insured.
4. If at the time of occurrence of an event that gives rise to any claim under this policy there is in existence any
other insurance covering the same liability, the Company shall not be liable to pay or contribute more than its
ratable proportion of any compensation, cost or expense.
5. The due observance and fulfillment of the terms, conditions and endorsements of this Policy in so far as they
relate to anything to be done or complied with by the insured and the truth of the statements and answers in
the said proposal shall be conditions precedent to any liability of the Company to make any payment under
this Policy.
6. In the event of the death of the sole insured, this policy will not immediately lapse but will remain valid for a
period of three months from the date of the death of insured or until the expiry of this policy (whichever is
earlier). During the said period, legal heir(s) of the insured to whom the custody and use of the Motor Vehicle
passes may apply to have this Policy transferred to the name(s) of the heir(s) or obtain a new insurance policy
for the Motor Vehicle. Where such legal heir(s) desire(s) to apply for transfer of this policy or obtain a new
policy for the vehicle such heir(s) should make an application to the Company accordingly within the aforesaid
period. All such applications should be accompanied by:
a. Death Certificate in respect of the insured
b. Proof of title to the vehicle
c. Original Policy

CANCELLATION
1. Under no circumstances statutory Motor Third Party Liability insurance or any other compulsory insurance
mandated by law can be cancelled, except in case of double insurance or total loss. A policy can be cancelled only
after ensuring that the vehicle is insured elsewhere, at least for Liability Only cover and after surrender of the
original Certificate of Insurance for cancellation.
2. Cancellation by Insured: Policy may be cancelled at the option of the insured at any time during the term, by
informing Us. In such a case we shall —
1. Refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there
is no claim(s) made during the policy period.
2. Refund premium for the unexpired policy period, in respect of policy with the term more than one year and
the risk coverage for such policy years has not commenced.
3. Cancellation by Insurer: Policy may be cancelled by the Company on the grounds of established fraud, by giving
minimum notice of 7 (seven) days to the insured.

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