Car Insurance in Chennai

Chennai's advanced medical infrastructure and tech parks fetch people from various parts of the country. Resultantly, the overcrowded roads of this city are prone to heavy traffic and bring the risk of unforeseen mishaps.

Therefore, every four-wheeler owner in the city needed to opt for a car insurance plan for financial coverage in case of losses and damages caused by any mishap or accidents.

Car insurances cover losses arising due to damages to your vehicle and any third-party damages depending on the plan you opted for. According to the Motor Vehicles Act 1988, every vehicle running in India must be insured with a third-party insurance policy.

You can choose a trusted insurance provider like Digit and opt for a convenient plan. They offer both third-party and comprehensive insurance policies. Read more to know about the benefits of both.

Following are the car insurance add-ons available in Chennai:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

Chennai- a perfect spirit of vibrant culture and reminiscent traditions, a wonderful city and major part of Indian heritage. Previously known as Madras, this city remained under the influence of some of the amazing dynasties like Cholas, Pallavas, and Pandyas. People from various corners of India, come and live harmoniously in Chennai making it one major cosmopolitan city in southern regions. They are famous for their warmth and hospitality.

Right now, Chennai's growing population count is at 70.9 lakhs, which is yet to increase with every passing year. Moreover, the vehicles here constitute around one-fourth of 17.5 million vehicle count across the state of TN. This state that more two-wheelers at 13 million than that of Maharashtra. Here, the two-wheelers account for around 78% of vehicles in the state, and cars will add to around 14%. With such a growing rise of vehicle count, the need for car insurance in this city is always on the rise.

Challenges Most of the Car Owners Face in Chennai

• Congestion: Chennai is not all about its rich cultural heritage, but it has its share of flaws, to say the least. With its haphazard parking and bar road states, the congestion level keeps on rising up on a daily basis. Even the two-way traffic is right now, adding more to the already existing traffic snarls. So, cars and other vehicles are always on the verge of meeting an accident, even when the owners are driving it safely.
• Weather Scenarios: Chennai is known for its high level of precipitation and humidity, which is not quite good for the road condition, to be honest. The summer months are harsh, which will provide some effect on the roads as well. The monsoons invite heavy downpour, which is also another proven way to add more issues to the existing bad road conditions. To top it all, Chennai has an infamous record of floods and cyclone, which are some crucial factors affecting roads in bad ways.
• Theft: Recently, a news report came into account in June 2019, when a Chennai gang was caught selling the same car thrice. The condition of car theft is the worst in Chennai that the police had to come across an online database, called DigiCop, tracking stolen mobiles and vehicles to help them crack multiple cases.

There is one way to keep these issues at bay and protect your expensive purchases for a long time and that’s called Car Insurance. Just be prepared to choose the best insurance firm for help.

• Choose the Policy That Suits You: Digit provides three types of car insurance in Chennai:
  • Third-Party Policy: This policy covers you against the third party claim after an accident caused by you. The premium is less in this case.
  • Comprehensive Policy: The premium is higher as compared to the third-party policy as it covers the third-party claims and the damages to your own car as well. 
  • Own Damage: This policy covers loss and damage to your own car, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party car insurance policy.

Check: Use Car Insurance Calculator to get the car insurance quotes.

• Drive Legally: Third-party car insurance is mandatory to drive on Indian roads. In the absence of a third party car insurance policy you may attract a fine of Rs. 2000 and/or jail time of 3 months. So Digit third party car insurance will save you from wasting your money in fines.
• Protect Your Car from Natural Calamities with Comprehensive Policy: As discussed earlier Chennai always stands vulnerable towards floods and cyclones. So if you are opting for Digit Comprehensive Car Insurance then Digit will pay for you any damage your car undergoes in any natural calamity, or man-made catastrophe.
• Add-ons for Chennai: Theft being an issue, you can customize your comprehensive policy with “Return To Invoice” add-on that will pay you the full value of the car in the case of a theft.
• Online Easy Claim: You don't need to stand in a long queue to process your claim from Digit. Thanks to technology, everything is online!!! Click photos, send it to Digit, get an online verification and there you go.