Car Insurance

Whether you go for a third-party car insurance or comprehensive car insurance, having a car insurance can benefit you by saving you from paying huge amounts in case of damages and losses caused during an accident, a natural calamity, fire, theft and other such unforeseen circumstances. Additionally, you can also protect yourself from hefty traffic fines! 

Accidents happen to everyone. In case you end up in a situation where you’ve accidentally hit someone, a car or someone’s property, your car insurance will be there for you to cover for the damages and losses incurred to the third-party, so you don’t need to spend hours arguing or fighting over it! 

If you opt for comprehensive car insurance, you can benefit further by getting better coverage for your car using add-ons like the zero-depreciation cover, return to invoice cover, consumables cover, and breakdown assistance, amongst others.

As per the Motor Vehicles Act, all cars must have at least third-party car insurance. Without one, you will be liable to pay a penalty of ₹2,000 for the first offence and ₹4,000 for the second time. 

With Digit, technology makes everything a breeze. From buying car insurance to making claims, it’s all done online in just a few minutes saving you both time and money. Our process is so straightforward, it’ll have you saying, "That's it?"

Ideal for cars less than 5 years old, zero depreciation cover allows you to nullify the depreciation charged on your car and its parts and gives you the full value of repairs, costs and replacements during a claim.

In case of theft or damages beyond repair, return to invoice add-on gives you the benefit of getting back the complete amount of your car's invoice value, including the cost of registering a new vehicle and its road tax respectively.

Generally, tyre damage isn't covered in standard insurance unless the damage takes place during an accident. That's why this tyre protect add-on gives you the benefit to safeguard and cover for tyre damages such as tyre bursts, bulges or cuts during all other situations possible.

We all need a little help sometimes! Our Breakdown Assistance Add-On gives you the benefit of taking help whenever required, i.e assistance during car breakdowns at any time you'd like. The best part? It doesn't even count as a claim!

A consumable cover gives your car an additional layer of protection. It covers the cost for all your car's nitty-gritties, such as the engine oils, screws, nuts and bolts, grease, etc in a situation of an accident.

Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard car insurance policy, only damages caused during the accident are covered. However, with the engine and gear-box protection cover, you can specifically cover for the life of your car (the engine and gearbox!) from any consequential damages caused post the accident.

The Daily Conveyance Benefit add-on offered by insurers ensures that policyholder gets compensated for daily transport in the form of a fixed daily allowance or a standby vehicle for the time when the insured vehicle is in the garage for repairing. 

The cost incurred by the policyholder for repairing or replacement of the lockset in the car in case of theft, loss or damage is covered by the insurer as part of the Key and Lock Protect add-on cover.

If the policyholder or any immediate family member suffers from any loss of personal belongings specified as per the policy when kept in the insured vehicle, it shall be compensated by the insurer.

Pay as you drive cover makes the policyholder eligible to avail discount on the premium of Own Damage cover of the base policy based on the opted plan. The option to top up kilometers is also offered under the base policy by paying additional premium.

This EV Shield add-on cover for electric cars in India will protect you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and offer roadside assistance services specific to EVs.

In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered. 

You were driving drunk or without a valid driving licence.

You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.

Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)

Any contributory negligence (e.g., damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)

Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.

Get expert medical advice anytime, anywhere.

Consult the best and most trusted therapists at affordable rates, with up to 50% off

Stay ahead of health concerns with affordable screenings and lab tests.

Speak to top specialists in Mental Health, Women’s Health, Diet & Nutrition, and more, at flat 50%!

Pregnancy Care Programs, access to Mum Support Group, PCOS/PCOD Care Programs, Maternity Support and much more!

Stress and Pain relief covered with exclusive discounts on Physiotherapy consultation and session bookings.

Avail unlimited, free dental consultations and exclusive discounts on dental treatments.

Get flat 15% discount on Sexual Wellness Programs! 

Personalized assistance for long-term health conditions.

Buying a luxury car is a one-time deal for most owners, thus, you must protect it with comprehensive car insurance to cover both third-party liability and own damage. Appropriate add-ons for luxurious cars are necessary too. You can get a Zero Depreciation Cover to claim the full value of repairing/replacing its expensive parts. A Return to Invoice Cover will be useful for luxury cars as it ensures that you receive the original invoice value of your car in case of theft or total loss. 

Most car owners tend to ignore the importance of car insurance if you have a 7-year-old car; however, having at least third-party insurance is mandatory from the legal perspective. Since your car is already 7 years old, it is advisable to have own-damage cover to get coverage for repairs or replacement of your car in case of accidents, theft, fire, natural calamities, etc.

People keep some things solely for the emotional value attached to them like that car in your family for generations, which is rarely driven but still requires to be insured via at least a third-party coverage policy as per legal requirements. Since you do not drive that car around, you can skip purchasing other add-ons.

Everyone’s primary objective of buying a car insurance is so that they can get their claims done easily during times of need. Luckily, with all our processes everything from making a claim to assessing car damages can be done online.

The last thing you want to do at the time of an accident is spend unnecessarily from your pocket. That’s why we offer the option of cashless repair, where you can just drop by at any of our network garages and get your claimed repairs done without any extra money spent.

You can avail cashless services only at our network garages but lucky for you, we have 9000+ cashless garages spread across the country that you can choose from.

As and when the need arises, such as if your car can’t be repaired in time, we offer our pickup and drop services, so you don’t have to worry about the logistics.

So, that no matter what time or day it is, we’ll always have your back.

Don’t let anyone fool you into low premiums and even lower IDVs that can instantly affect the money you’d be liable to receive during claims. That’s why, at Digit we believe in transparency as we let YOU customize your IDV as required.

Everyone’s crunched for time. Therefore, always look for a car insurance from where getting one doesn’t involve long, cumbersome processes. With Digit, you can buy your car insurance within minutes, online.

Your IDV, a.k.a the market value of your car is one of the most important parts about your car insurance. This is because it directly affects your car insurance premium, and during claims- your claim amount as well. With Digit, we let you customize your IDV yourself.

We all love a few extra benefits, don’t we? Therefore, one of the things you should look for in choosing your car insurance is the kind of service benefits it offers. For example, at Digit one of our star service benefits includes Doorstep Pick-Up and Drop! 

Claims are the reason we get a car insurance in the first place! Therefore, ensure the claim process of your desired car insurance is smooth and doesn’t take too long. When you’re in trouble, the last thing you want is, to spend all your time and energy in just filing a claim! 

Claim Settlements are basically getting your compensations done right. Claims being such an important part of a car insurance, check for your desired insurer’s claim settlement ratio so that you’re assured that no matter what, your claims will be settled! 

Perhaps underrated, but customer support is so important when it comes to car insurance. Think about it. Who will you call in times of trouble? Therefore, look for a car insurer that gives you 24x7 support, so you always have someone to rely on!