IRDAI product register · general insurance

Go Digit General Insurance Policy Wordings

IRDAI's non-life product register lists 51 Go Digit products and 178 add-ons, approved 2017 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Shop, office, home and business packages · Engineering · Liability · Marine · Workmen compensation · Money, fidelity and crime · Motor · Crop and rural · Specialty: title, warranty, drones and more

Fire and property (4)

Product	UIN	Approved	Policy wording
Digit Burglary Insurance Policy 10 add-ons Clearing Up Expenses IRDAN158RP0019V01201920/A0025V01201920 · 23 Oct 2019 Wording Escalation Clause IRDAN158RP0019V01201920/A0030V01201920 · 23 Oct 2019 Wording Floater Clause IRDAN158RP0019V01201920/A0029V01201920 · 23 Oct 2019 Wording Injury during Burglary/Housebreaking IRDAN158RP0019V01201920/A0023V01201920 · 23 Oct 2019 Wording Loss of Money IRDAN158RP0019V01201920/A0024V01201920 · 23 Oct 2019 Wording Purchase Protection Extension IRDAN158RP0019V01201920/A0031V01201920 · 23 Oct 2019 Wording Riot, Strike, Malicious Damage Cover IRDAN158RP0019V01201920/A0028V01201920 · 23 Oct 2019 Wording Temporary Property Protection IRDAN158RP0019V01201920/A0026V01201920 · 23 Oct 2019 Wording Theft Extension IRDAN158RP0019V01201920/A0027V01201920 · 23 Oct 2019 Wording Waiver of Underinsurance IRDAN158RP0019V01201920/A0032V01201920 · 23 Oct 2019 Wording	IRDAN158RP0019V01201920	22 Oct 2019	Wording
Digit Industrial All Risk Insurance Policy	IRDAN158CP0004V01201920	11 Sep 2019	Wording
Digit My Business Policy – Laghu Udyam Suraksha	IRDAN158RP0004V01202122	15 Jun 2021	Wording
Standard Fire & Special Perils Policy (Retail)	IRDAN158RP0001V01201920	24 Jul 2019	Wording

Shop, office, home and business packages (3)

Product	UIN	Approved	Policy wording
Digit Asset Care	IRDAN158P0030V01201718	14 Mar 2018	Wording
Digit Jewellers Secure Policy	IRDAN158RP0007V01202223	10 May 2022	Wording
Digit My Business Policy	IRDAN158RP0078V02202021	15 Jun 2021	Wording

Engineering (6)

Product	UIN	Approved	Policy wording
Digit Contractor's All Risk Insurance Policy (Commercial) 76 add-ons 50: 50 Clause IRDAN158CP0008V01201920/A0052V01201920 · 17 Oct 2019 Wording 72 Hours Clause IRDAN158CP0008V01201920/A0051V01201920 · 17 Oct 2019 Wording Additional Custom Duty IRDAN158CP0008V01201920/A0010V01201920 · 17 Oct 2019 Wording Agreed Bank Clause IRDAN158CP0008V01201920/A0077V01201920 · 17 Oct 2019 Wording Air Freight IRDAN158CP0008V01201920/A0009V01201920 · 17 Oct 2019 Wording Automatic Reinstatement IRDAN158CP0008V01201920/A0028V01201920 · 17 Oct 2019 Wording Breakwater IRDAN158CP0008V01201920/A0075V01201920 · 17 Oct 2019 Wording Cessation of Work IRDAN158CP0008V01201920/A0036V01201920 · 17 Oct 2019 Wording Civil Authority Clause IRDAN158CP0008V01201920/A0049V01201920 · 17 Oct 2019 Wording Claim Preparation Costs IRDAN158CP0008V01201920/A0078V01201920 · 17 Oct 2019 Wording Clearance and Removal of Debris (Including Foreign Debris) IRDAN158CP0008V01201920/A0017V01201920 · 17 Oct 2019 Wording Co-insurance Clause IRDAN158CP0008V01201920/A0083V01201920 · 17 Oct 2019 Wording Cofferdams IRDAN158CP0008V01201920/A0074V01201920 · 17 Oct 2019 Wording Continuity Of Cover IRDAN158CP0008V01201920/A0038V01201920 · 17 Oct 2019 Wording Contractual Liability Cover IRDAN158CP0008V01201920/A0030V01201920 · 17 Oct 2019 Wording Cover for Cross Liability IRDAN158CP0008V01201920/A0021V01201920 · 17 Oct 2019 Wording Cover for Increased Customs Duty IRDAN158CP0008V01201920/A0018V01201920 · 17 Oct 2019 Wording Cover For Insured Contract Works Taken Over Or Put Into Service IRDAN158CP0008V01201920/A0032V01201920 · 17 Oct 2019 Wording Cover For Testing Of Machinery And Installations IRDAN158CP0008V01201920/A0031V01201920 · 17 Oct 2019 Wording Cover for Valuable Documents IRDAN158CP0008V01201920/A0023V01201920 · 17 Oct 2019 Wording Cover of Contractor’ Construction/Erection Machinery IRDAN158CP0008V01201920/A0034V01201920 · 17 Oct 2019 Wording Cover of Extra Charges for Overtime, Night Work, and Work on Public Holidays, Express Freight Excluding Air Freight IRDAN158CP0008V01201920/A0015V01201920 · 17 Oct 2019 Wording Cover of Extra Charges for Overtime, Night Work, and Work on Public Holidays, Express Freight Including Air Freight IRDAN158CP0008V01201920/A0014V01201920 · 17 Oct 2019 Wording Cover of Manufacturers’ Risk IRDAN158CP0008V01201920/A0022V01201920 · 17 Oct 2019 Wording Defective Part Exclusion DE-4 IRDAN158CP0008V01201920/A0027V01201920 · 17 Oct 2019 Wording Design Improvement Exclusion DE-5 IRDAN158CP0008V01201920/A0029V01201920 · 17 Oct 2019 Wording Designation of Property Clause IRDAN158CP0008V01201920/A0061V01201920 · 17 Oct 2019 Wording Drilling Work For Water Wells IRDAN158CP0008V01201920/A0070V01201920 · 17 Oct 2019 Wording Earthquake Extension Clause IRDAN158CP0008V01201920/A0035V01201920 · 17 Oct 2019 Wording Employees' Personal Effects And Tools IRDAN158CP0008V01201920/A0044V01201920 · 17 Oct 2019 Wording Errors and Omissions Clause IRDAN158CP0008V01201920/A0048V01201920 · 17 Oct 2019 Wording Event Clause IRDAN158CP0008V01201920/A0059V01201920 · 17 Oct 2019 Wording Exclusion of Loss, Damage or Liability Due to Flood and Inundation IRDAN158CP0008V01201920/A0063V01201920 · 17 Oct 2019 Wording Exclusion of Loss, Damage or Liability due to Windstorm or Wind- Related Water Damage IRDAN158CP0008V01201920/A0064V01201920 · 17 Oct 2019 Wording Extended Defective Condition Exclusion DE-2 IRDAN158CP0008V01201920/A0025V01201920 · 17 Oct 2019 Wording Extended Maintenance Cover IRDAN158CP0008V01201920/A0013V01201920 · 17 Oct 2019 Wording Highest Single Deductible IRDAN158CP0008V01201920/A0060V01201920 · 17 Oct 2019 Wording Incompatibility Of Undamaged Machinery IRDAN158CP0008V01201920/A0039V01201920 · 17 Oct 2019 Wording Inland Transit IRDAN158CP0008V01201920/A0043V01201920 · 17 Oct 2019 Wording Involuntary Betterment IRDAN158CP0008V01201920/A0042V01201920 · 17 Oct 2019 Wording Leased Equipment Rental Costs IRDAN158CP0008V01201920/A0040V01201920 · 17 Oct 2019 Wording Limited Defective Condition Exclusion DE-3 IRDAN158CP0008V01201920/A0026V01201920 · 17 Oct 2019 Wording Limited Maintenance Visits Cover IRDAN158CP0008V01201920/A0012V01201920 · 17 Oct 2019 Wording Loss due to Breakage of Glass IRDAN158CP0008V01201920/A0011V01201920 · 17 Oct 2019 Wording Loss Minimization Expenses IRDAN158CP0008V01201920/A0019V01201920 · 17 Oct 2019 Wording Loss Payee Clause IRDAN158CP0008V01201920/A0058V01201920 · 17 Oct 2019 Wording Multiple Insured Clause IRDAN158CP0008V01201920/A0076V01201920 · 17 Oct 2019 Wording No Control Clause IRDAN158CP0008V01201920/A0082V01201920 · 17 Oct 2019 Wording Nominated Loss Adjuster's Clause IRDAN158CP0008V01201920/A0084V01201920 · 17 Oct 2019 Wording Non-Invalidation Clause IRDAN158CP0008V01201920/A0081V01201920 · 17 Oct 2019 Wording Non-Vitiation IRDAN158CP0008V01201920/A0055V01201920 · 17 Oct 2019 Wording Off Site Storage Premises Cover IRDAN158CP0008V01201920/A0050V01201920 · 17 Oct 2019 Wording Outright Defect Exclusion DE-1 IRDAN158CP0008V01201920/A0024V01201920 · 17 Oct 2019 Wording Owners Surrounding Property IRDAN158CP0008V01201920/A0020V01201920 · 17 Oct 2019 Wording Pair And Set Clause IRDAN158CP0008V01201920/A0041V01201920 · 17 Oct 2019 Wording Primary & Non-Contributory Clause IRDAN158CP0008V01201920/A0054V01201920 · 17 Oct 2019 Wording Professional Fees Clause IRDAN158CP0008V01201920/A0016V01201920 · 17 Oct 2019 Wording Properties Under Consignment, Care, Custody And Control IRDAN158CP0008V01201920/A0047V01201920 · 17 Oct 2019 Wording Sectional Clause (Roads/Canals) IRDAN158CP0008V01201920/A0056V01201920 · 17 Oct 2019 Wording Serial Losses IRDAN158CP0008V01201920/A0069V01201920 · 17 Oct 2019 Wording Sound/Undamaged Property Destruction IRDAN158CP0008V01201920/A0045V01201920 · 17 Oct 2019 Wording Special Conditions Concerning Fire Fighting Facilities IRDAN158CP0008V01201920/A0046V01201920 · 17 Oct 2019 Wording Special Conditions Concerning Piling Foundation And Retaining Wall Works IRDAN158CP0008V01201920/A0072V01201920 · 17 Oct 2019 Wording Special Conditions concerning Removal of Debris from Landslides IRDAN158CP0008V01201920/A0057V01201920 · 17 Oct 2019 Wording Special Conditions Concerning The Construction Of Tunnels, Galleries, Temporary Or Permanent Subsurface Structures Or Installations IRDAN158CP0008V01201920/A0065V01201920 · 17 Oct 2019 Wording Special Conditions Concerning Underground Cables, Pipes And Other Facilities IRDAN158CP0008V01201920/A0066V01201920 · 17 Oct 2019 Wording Special Conditions For Laying Water Supply And Sewer Pipes IRDAN158CP0008V01201920/A0071V01201920 · 17 Oct 2019 Wording Temporary Repairs IRDAN158CP0008V01201920/A0037V01201920 · 17 Oct 2019 Wording Temporary Structures And Plant & Equipment - Temporary works including roads, camps for workers, material storage place, Buildings / sheds / site offices / support structures, portacabins IRDAN158CP0008V01201920/A0079V01201920 · 17 Oct 2019 Wording Vibration, Removal Or Weakening Of Support Cover IRDAN158CP0008V01201920/A0033V01201920 · 17 Oct 2019 Wording Waiver Of Contribution IRDAN158CP0008V01201920/A0080V01201920 · 17 Oct 2019 Wording Waiver of Subrogation IRDAN158CP0008V01201920/A0053V01201920 · 17 Oct 2019 Wording Warranty Concerning Camps And Stores IRDAN158CP0008V01201920/A0067V01201920 · 17 Oct 2019 Wording Warranty Concerning Construction Material IRDAN158CP0008V01201920/A0068V01201920 · 17 Oct 2019 Wording Warranty Concerning Structures In Earthquake Zones IRDAN158CP0008V01201920/A0062V01201920 · 17 Oct 2019 Wording Wet Works IRDAN158CP0008V01201920/A0073V01201920 · 17 Oct 2019 Wording	IRDAN158CP0008V01201920	11 Oct 2019	Wording
Digit Contractor’s Plant and Machinery Insurance Policy	IRDAN158RP0018V01201920	22 Oct 2019	Wording
Digit Contractor’s Plant and Machinery Insurance Policy (Commercial)	IRDAN158CP0103V01201819	18 Nov 2018	Wording
Digit Electronic Equipment Insurance Policy	IRDAN158RP0022V01201920	24 Oct 2019	Wording
Digit Machinery Breakdown Insurance Policy	IRDAN158RP0021V02201920	23 Nov 2021	Wording
Digit Machinery Breakdown Insurance Policy	IRDAN158RP0021V01201920	28 Aug 2019	Wording

Liability (7)

Product	UIN	Approved	Policy wording
Digit Comprehensive General Liability Policy	IRDAN158RP0001V01202122	17 Jun 2021	Wording
Digit Comprehensive General Liability Policy (Commercial)	IRDAN158CP0006V01201920	3 Oct 2019	Wording
Digit Contractual Liability	IRDAN158P0004V01201718	5 Dec 2017	Wording
Digit Management Liability Policy	IRDAN158RP0002V01202122	17 Jun 2021	Wording
Digit Management Liability Policy (Commercial)	IRDAN158CP0005V01201920	27 Sep 2019	Wording
Digit Professional Liability Policy	IRDAN158RP0003V01202122	17 Jun 2021	Wording
Digit Professional Liability Policy (Commercial)	IRDAN158CP0007V01201920	3 Oct 2019	Wording

Marine (2)

Product	UIN	Approved	Policy wording
Digit Marine Cargo Policy (Commercial)	IRDAN158CP0001V01201920	13 Aug 2019	Wording
Digit Marine Delay In Start-Up Policy (Commercial)	IRDAN158CP0002V01201920	14 Aug 2019	Wording

Workmen compensation (2)

Product	UIN	Approved	Policy wording
Digit Employees Compensation Insurance Policy	IRDAN158RP0020V01201920	1 Nov 2019	Wording
Digit Employees Compensation Insurance Policy (Commercial)	IRDAN158CP0116V01201819	17 Jan 2019	Wording

Money, fidelity and crime (2)

Product	UIN	Approved	Policy wording
Digit Fidelity Guarantee Insurance Policy (Commercial)	IRDAN158CP0085V01201920	31 Oct 2019	Wording
Digit Money Insurance Policy	IRDAN158RP0033V01201920	17 Dec 2019	Wording

Motor (23)

Product	UIN	Approved	Policy wording
Compulosry Personal Accident Cover for Owner-Driver under Motor Insurance Policies	IRDAN158RP0038V02201819	24 Oct 2019	Wording
Compulosry Personal Accident Cover for Owner-Driver under Motor Insurance Policies	IRDAN158RP0038V01201819	28 Dec 2018	Wording
Digit Commercial Vehicle Liability Only Policy	IRDAN158P0001V01201718	18 Oct 2017	Wording
Digit Commercial Vehicle Package Policy - Goods Carrying Vehicle 1 add-on Consumable Cover - Digit Commercial Vehicle Package IRDAN158RP0001V01201819/A0034V01201920 · 30 Jan 2020 Wording	IRDAN158RP0001V01201819	11 Jun 2018	Wording
Digit Commercial Vehicle Package Policy – Miscellaneous & Special Types of Vehicle 1 add-on Consumable Cover - Digit Commercial Vehicle Package IRDAN158RP0003V01201819/A0051V01201920 · 16 Feb 2020 Wording	IRDAN158RP0003V01201819	11 Jun 2018	Wording
Digit Commercial Vehicle Package Policy – Passenger Carrying Vehicle 1 add-on Consumable Cover - Digit Commercial Vehicle Package IRDAN158RP0002V01201819/A0042V01201920 · 16 Feb 2020 Wording	IRDAN158RP0002V01201819	11 Jun 2018	Wording
Digit Private Car Liability Only Policy	IRDAN158P0002V01201718	18 Oct 2017	Wording
Digit Private Car Liability Only Policy - Long Term (3 Years)	IRDAN158RP0004V02201819	31 Mar 2020	Wording
Digit Private Car Liability Only Policy - Long Term (3 Years)	IRDAN158RP0004V01201819	30 Aug 2018	Wording
Digit Private Car Package Policy - Long Term (3 Years) 7 add-ons Digit Private Car Breakdown Assistance - Long Term (3 Years) IRDAN158RP0006V01201819/A0013V01201819 · 10 Sep 2018 Wording Digit Private Car Consumable Cover - Long Term (3 Years) IRDAN158RP0006V01201819/A0010V01201819 · 10 Sep 2018 Wording Digit Private Car Daily Conveyance Benefit - Long Term (3 Years) IRDAN158RP0006V01201819/A0016V01201819 · 10 Sep 2018 Wording Digit Private Car Engine and Gear Box Protect - Long Term (3 Years) IRDAN158RP0006V01201819/A0012V01201819 · 10 Sep 2018 Wording Digit Private Car Parts Depreciation Protect - Long Term (3 Years) IRDAN158RP0006V01201819/A0011V01201819 · 10 Sep 2018 Wording Digit Private Car Return to Invoice - Long Term (3 Years) IRDAN158RP0006V01201819/A0015V01201819 · 10 Sep 2018 Wording Digit Private Car Tyre Protect - Long Term (3 Years) IRDAN158RP0006V01201819/A0014V01201819 · 10 Sep 2018 Wording	IRDAN158RP0006V01201819	30 Aug 2018	Wording
Digit Private Car Policy	IRDAN158P0005V01201718	5 Jan 2018	Wording
Digit Private Car Policy – Bundled	IRDAN158RP0008V02201819	14 Oct 2019	Wording
Digit Private Car Policy – Bundled 7 add-ons Digit Private Car Breakdown Assistance – Bundled IRDAN158RP0008V01201819/A0027V01201819 · 10 Sep 2018 Wording Digit Private Car Consumable Cover – Bundled IRDAN158RP0008V01201819/A0024V01201819 · 10 Sep 2018 Wording Digit Private Car Daily Conveyance Benefit – Bundled IRDAN158RP0008V01201819/A0030V01201819 · 10 Sep 2018 Wording Digit Private Car Engine and Gear Box Protect – Bundled IRDAN158RP0008V01201819/A0026V01201819 · 10 Sep 2018 Wording Digit Private Car Parts Depreciation Protect – Bundled IRDAN158RP0008V01201819/A0025V01201819 · 10 Sep 2018 Wording Digit Private Car Return to Invoice – Bundled IRDAN158RP0008V01201819/A0029V01201819 · 10 Sep 2018 Wording Digit Private Car Tyre Protect – Bundled IRDAN158RP0008V01201819/A0028V01201819 · 10 Sep 2018 Wording	IRDAN158RP0008V01201819	30 Aug 2018	Wording
Digit Private Car Stand Alone Own Damage Policy 7 add-ons Digit Private Car Breakdown Assistance with Stand-alone Own Damage Policy IRDAN158RP0002V01201920/A0007V01201920 · 12 Jul 2019 Wording Digit Private Car Consumable Cover with Stand-alone Own Damage Policy IRDAN158RP0002V01201920/A0004V01201920 · 12 Jul 2019 Wording Digit Private Car Daily Conveyance Benefit with Stand-alone Own Damage Policy IRDAN158RP0002V01201920/A0010V01201920 · 12 Jul 2019 Wording Digit Private Car Engine and Gear Box Protect with Stand-alone Own Damage Policy IRDAN158RP0002V01201920/A0006V01201920 · 12 Jul 2019 Wording Digit Private Car Parts Depreciation Protect with Stand-alone Own Damage Policy IRDAN158RP0002V01201920/A0005V01201920 · 12 Jul 2019 Wording Digit Private Car Return to Invoice with Stand-alone Own Damage Policy IRDAN158RP0002V01201920/A0009V01201920 · 12 Jul 2019 Wording Digit Private Car Tyre Protect with Stand-alone Own Damage Policy IRDAN158RP0002V01201920/A0008V01201920 · 12 Jul 2019 Wording	IRDAN158RP0002V01201920	24 Jun 2019	Wording
Digit Two-Wheeler Liability Only Policy	IRDAN158P0003V01201718	18 Oct 2017	Wording
Digit Two-Wheeler Liability Only Policy - Long Term (5 Years)	IRDAN158RP0005V02201819	31 Mar 2020	Wording
Digit Two-Wheeler Liability Only Policy - Long Term (5 Years)	IRDAN158RP0005V01201819	30 Aug 2018	Wording
Digit Two-Wheeler package Policy	IRDAN158P0006V01201718	31 Jan 2018	Wording
Digit Two-Wheeler Package Policy - Long Term (5 Years) 7 add-ons Digit Two-Wheeler Package Policy - Long Term (5 Years) - Breakdown Assistance IRDAN158RP0007V01201819/A0020V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Long Term (5 Years) - Consumable Cover IRDAN158RP0007V01201819/A0017V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Long Term (5 Years) - Daily Conveyance Benefit IRDAN158RP0007V01201819/A0023V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Long Term (5 Years) - Engine and Gear Box Protect IRDAN158RP0007V01201819/A0019V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Long Term (5 Years) - Parts Depreciation Protect IRDAN158RP0007V01201819/A0018V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Long Term (5 Years) - Return to Invoice IRDAN158RP0007V01201819/A0022V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Long Term (5 Years) - Tyre Protect IRDAN158RP0007V01201819/A0021V01201819 · 10 Sep 2018 Wording	IRDAN158RP0007V01201819	30 Aug 2018	Wording
Digit Two-Wheeler package Policy – Long Term	IRDAN158P0007V01201718	31 Jan 2018	Wording
Digit Two-Wheeler Policy – Bundled	IRDAN158RP0009V02201819	15 Oct 2019	Wording
Digit Two-Wheeler Policy – Bundled 6 add-ons Digit Two-Wheeler Package Policy - Breakdown Assistance – Bundled IRDAN158RP0009V01201819/A0034V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Consumable Cover – Bundled IRDAN158RP0009V01201819/A0031V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Daily Conveyance Benefit – Bundled IRDAN158RP0009V01201819/A0037V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Engine and Gear Box Protect – Bundled IRDAN158RP0009V01201819/A0033V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Parts Depreciation Protect – Bundled IRDAN158RP0009V01201819/A0032V01201819 · 10 Sep 2018 Wording Digit Two-Wheeler Package Policy - Return to Invoice – Bundled IRDAN158RP0009V01201819/A0036V01201819 · 10 Sep 2018 Wording	IRDAN158RP0009V01201819	30 Aug 2018	Wording
Digit Two-Wheeler Stand-alone Own Damage Policy 7 add-ons Digit Two-Wheeler - Breakdown Assistance with Stand-alone Own Damage Policy IRDAN158RP0003V01201920/A0015V01201920 · 12 Jul 2019 Wording Digit Two-Wheeler - Consumable Cover with Stand-alone Own Damage Policy IRDAN158RP0003V01201920/A0011V01201920 · 12 Jul 2019 Wording Digit Two-Wheeler - Daily Conveyance Benefit with Stand-alone Own Damage Policy IRDAN158RP0003V01201920/A0017V01201920 · 12 Jul 2019 Wording Digit Two-Wheeler - Engine and Gear Box Protect with Stand-alone Own Damage Policy IRDAN158RP0003V01201920/A0013V01201920 · 12 Jul 2019 Wording Digit Two-Wheeler - Parts Depreciation Protect with Stand-alone Own Damage Policy IRDAN158RP0003V01201920/A0012V01201920 · 12 Jul 2019 Wording Digit Two-Wheeler - Return to Invoice with Stand-alone Own Damage Policy IRDAN158RP0003V01201920/A0014V01201920 · 12 Jul 2019 Wording Digit Two-Wheeler - Tyre Protect with Stand-alone Own Damage Policy IRDAN158RP0003V01201920/A0016V01201920 · 12 Jul 2019 Wording	IRDAN158RP0003V01201920	24 Jun 2019	Wording

Crop and rural (1)

Product	UIN	Approved	Policy wording
Digit Pradhan Mantri Fasal Bima Yojana (PMFBY)	IRDAN158P0029V01201718	2 Mar 2018	Wording

Specialty: title, warranty, drones and more (1)

Product	UIN	Approved	Policy wording
Digit Pet Insurance Policy	IRDAN158RP0006V01202223	10 May 2022	Wording

Add-ons filed on their own (48)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-on	UIN	Approved	Policy wording
Accidental damage-Go Digit, Bharat Griha Raksha	IRDAN158RP0081V01202021/A0007V01202122	25 Jun 2021	Wording
Accidental Damage-Go Digit, Bharat Laghu Udyam Suraksha	IRDAN158RP0079V01202021/A0010V01202122	25 Jun 2021	Wording
Accidental Damage-Go Digit, Bharat Sookshma Udyam Suraksha	IRDAN158RP0080V01202021/A0016V01202122	25 Jun 2021	Wording
Act of God Perils	IRDAN158RP0075V01202021/A0020V01202122	6 Aug 2021	Wording
Additional Living Expense Cover-Go Digit, Bharat Griha Raksha	IRDAN158RP0081V01202021/A0005V01202122	24 Jun 2021	Wording
Adequacy of Sum Insured-Go Digit, Bharat Laghu Udyam Suraksha	IRDAN158RP0079V01202021/A0014V01202122	25 Jun 2021	Wording
Adequacy of Sum Insured-Go Digit, Bharat Sookshma Udyam Suraksha	IRDAN158RP0080V01202021/A0019V01202122	25 Jun 2021	Wording
Advertising Signs and Decorations Liability	IRDAN158RP0075V01202021/A0021V01202122	6 Aug 2021	Wording
Care, Custody or Control	IRDAN158RP0075V01202021/A0022V01202122	6 Aug 2021	Wording
Carriage of Effluents (outside the Insurance Premises)	IRDAN158RP0075V01202021/A0023V01202122	6 Aug 2021	Wording
Damage to Rented Premises	IRDAN158RP0075V01202021/A0024V01202122	6 Aug 2021	Wording
Digit Contractual Liability Add-On Cover: Defect in Design, Material and Workmanship Cover	IRDAN158CP0004V01201718/A0104V01201819	26 Nov 2018	Wording
Digit Long term Two-Wheeler Add on cover-- Daily Conveyance Benefit	IRDAN158A0028V01201718	8 Feb 2018	Wording
Digit Long term Two-Wheeler Add on cover-- Engine and Gear Box Protect	IRDAN158A0024V01201718	8 Feb 2018	Wording
Digit Long term Two-Wheeler Add on cover-- Tyre Protect	IRDAN158A0026V01201718	8 Feb 2018	Wording
Digit Long term Two-Wheeler Add on cover--Breakdown Assistance	IRDAN158A0025V01201718	8 Feb 2018	Wording
Digit Long term Two-Wheeler Add on cover--Consumable Cover	IRDAN158A0022V01201718	8 Feb 2018	Wording
Digit Long term Two-Wheeler Add on cover--Parts Depreciation Protect	IRDAN158A0023V01201718	8 Feb 2018	Wording
Digit Long term Two-Wheeler Add on cover--Return to Invoice	IRDAN158A0027V01201718	8 Feb 2018	Wording
Digit Private Car Add on cover--Consumable Cover	IRDAN158A0008V01201718	6 Feb 2018	Wording
Digit Two-Wheeler package policy Add on cover-- Breakdown Assistance	IRDAN158A0018V01201718	8 Feb 2018	Wording
Digit Two-Wheeler package policy Add on cover-- Consumable Cover	IRDAN158A0015V01201718	8 Feb 2018	Wording
Digit Two-Wheeler package policy Add on cover-- Parts Depreciation Protect	IRDAN158A0016V01201718	8 Feb 2018	Wording
Digit Two-Wheeler package policy Add on cover-- Return to Invoice	IRDAN158A0020V01201718	8 Feb 2018	Wording
Digit Two-Wheeler package policy Add on cover--Daily Conveyance Benefit	IRDAN158A0021V01201718	8 Feb 2018	Wording
Digit Two-Wheeler package policy Add on cover--Engine and Gear Box Protect	IRDAN158A0017V01201718	8 Feb 2018	Wording
Digit Two-Wheeler package policy Add on cover--Tyre Protect	IRDAN158A0019V01201718	8 Feb 2018	Wording
Engine Protect for Private Car	IRDAN 103RP0010V02100001/A0009V02201314	30 Sep 2019	Wording
Escalation Clause-Go Digit, Bharat Laghu Udyam Suraksha	IRDAN158RP0079V01202021/A0013V01202122	24 Jun 2021	Wording
Escalation Clause-Go Digit, Bharat Sookshma Udyam Suraksha	IRDAN158RP0080V01202021/A0015V01202122	24 Jun 2021	Wording
Fire Extinguishing/Fighting Expenses and Sprinkler up grading costs	IRDAN158RP0080V01202021/A0001V01202223	2 May 2022	Wording
Fire Extinguishing/Fighting Expenses and Sprinkler upgrading costs	IRDAN158RP0081V01202021/A0003V01202223	2 May 2022	Wording
Incidental Costs-Go Digit, Bharat Griha Raksha	IRDAN158RP0081V01202021/A0009V01202122	25 Jun 2021	Wording
Incidental Costs-Go Digit, Bharat Laghu Udyam Suraksha	IRDAN158RP0079V01202021/A0011V01202122	25 Jun 2021	Wording
Incidental Costs-Go Digit, Bharat Sookshma Udyam Suraksha	IRDAN158RP0080V01202021/A0017V01202122	25 Jun 2021	Wording
Involuntary Betterment	IRDAN158RP0079V01202021/A0005V01202223	2 May 2022	Wording
Involuntary Betterment	IRDAN158RP0080V01202021/A0002V01202223	2 May 2022	Wording
Involuntary Betterment	IRDAN158RP0081V01202021/A0004V01202223	2 May 2022	Wording
Lift Liability	IRDAN158RP0075V01202021/A0025V01202122	6 Aug 2021	Wording
Loss of Rent and Additional Expenses of Rent for an Alternate Premises-Go Digit, Bharat Laghu Udyam Suraksha	IRDAN158RP0079V01202021/A0012V01202122	25 Jun 2021	Wording
Loss of Rent and Additional Expenses of Rent for an Alternate Premises-Go Digit, Bharat Sookshma Udyam Suraksha	IRDAN158RP0080V01202021/A0018V01202122	25 Jun 2021	Wording
Medical Expenses	IRDAN158RP0075V01202021/A0026V01202122	6 Aug 2021	Wording
Minor Acquisitions-Go Digit, Bharat Griha Raksha	IRDAN158RP0081V01202021/A0008V01202122	25 Jun 2021	Wording
Swimming Pool and Exercise area liability	IRDAN158RP0075V01202021/A0027V01202122	6 Aug 2021	Wording
Tenant Liability Insurance-Go Digit, Bharat Griha Raksha	IRDAN158RP0081V01202021/A0006V01202122	25 Jun 2021	Wording
Terrorism Legal Liability Coverage	IRDAN158RP0075V01202021/A0030V01202122	6 Aug 2021	Wording
Transportation of Material or Dangerous or Hazardous Substance	IRDAN158RP0075V01202021/A0028V01202122	6 Aug 2021	Wording
Valet Parking	IRDAN158RP0075V01202021/A0029V01202122	6 Aug 2021	Wording

Names in the register

IRDAI registration number 158. Filed as: Go Digit General Insurance Limited; Go Digit General Insurance Company Ltd; Reliance General Insurance Company Limited.

Why the wording matters more than the brochure

A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.

Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.

Reading a UIN

Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.

The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.

Frequently asked questions

Where can I find Go Digit policy wordings?

Above: every Go Digit product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.

How many Go Digit general insurance products are in IRDAI's register?

51 products and 178 add-ons, approved 2017 to 2022.

Which lines of cover does Go Digit file most?

By number of products in the register: motor 23, liability 7, engineering 6, fire and property 4.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.