Car Insurance in Mumbai

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6000+ Cashless

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Buy/Renew Car Insurance Policy Online in Mumbai

Due to its intensely high population and business activities, traffic in Mumbai remains high round the clock. So, being a car owner in Mumbai, it is essential to have a vehicle insurance policy. Furthermore, the Motor Vehicles Act of 1988 has made it essential for all vehicle owners to have a third-party insurance policy.

With a car insurance plan, you get financial coverage for any loss caused to your own car or third-party property.

Thus, if you are thinking of purchasing a car insurance policy, try Digit Insurance. Their entire claim settlement process is online and takes just a matter of minutes. Read on for more details.

Why Should You Buy Digit Car Insurance in Mumbai?

We treat our customers like VIPs, know how…

Cashless Repairs

Cashless Repairs

6000+ Cashless Garages for you to choose from across India (for private cars)

Smartphone-enabled Self Inspection

Smartphone-enabled Self Inspection

Just click the damages on your phone and you are done

Super-Fast claims

Super-Fast claims

We've settled 96% of all claims for private cars!

Customize your Vehicle IDV

Customize your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Car Insurance Plans in Mumbai

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Third party

A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.

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Comprehensive

A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.

Third-Party

Comprehensive

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Know more about the difference between comprehensive and third party insurance

Car Insurance Add-ons Available in Mumbai

Key Features of Car Insurance by Digit

Key Features

Digit Benefit

Premium

Starting from ₹2094

No Claim Bonus

Up to 50% Discount

Customizable Add-Ons

11 Add-ons available

Cashless Repairs

Available at 6000+ Garages with Doorstep Pickup & Drop

Claim Process

Smartphone-enabled Claim process. Can be done online within 7 minutes!

Own Damage Cover

Available

Damages to Third-Party

Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

How to Buy/Renew Your Car Insurance with Digit?

Step 1

On the Digit app or website, enter car’s registration number and mobile number, and click on ‘View Prices’.

Step 2

Select the plan, add-ons and IDV, and click on ‘Continue.’

Step 3

Enter your personal, nominee and vehicle details and click on ‘Pay Now.’

Step 4

Complete the payment and mandatory KYC verification process.

Step 5

You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

How to File a Claim?

After you buy or renew our car insurance plan, you live tension free as we have a 3-step, completely digital claims process!

Step 1

Just call on 1800-258-5956. No forms to be filled

Step 2

Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.

Step 3

Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.

Report Card

How Fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

The Need for Car Insurance in Mumbai

Mumbai, a financial centre, the commercial and entertainment capital of India, the second-highest Indian city by nominal GDP per capita of 1990, the city of dreams. With such tags that follow Mumbai, it is natural that people flock towards the city to exploit the ever surging opportunities. But wait, the opportunity is not the only thing that is surging in the city.

“The density of private cars in Mumbai soared by 18% in just two years.” - Times of India, Mar 25, 2019

Challenges Car Owners Face in Mumbai

  • Officially a Car-Congested City: Mumbai officially has become the most car-congested city with 510 private cars/kilometre. In bumper-to-bumper traffic conditions like that of Mumbai and given its reputation regarding car congestion, it becomes difficult to maintain traffic discipline. 
  • Rogue Driving: Mumbai police collected nearly 139 crore fines in 2018 for violation of traffic rules. From 2015 to 2019 there was a total of 77,455 cases of drunk driving. Suspension of driving license is only in 14% of the case. Mumbaikers can get real rouge while driving and no penalties stop them in the city that never stops.
  • Flood Condition Due to Heavy Rain: Mumbai- a flood-prone city makes the life of the drivers even more difficult. Roads get waterlogged due to the heavy rainfalls. The areas like Andheri, Vasai, Nalasopara, Dharavi, etc become impossible to commute during monsoon. In such conditions, the damage in cars like hydro locks is quite common. The floodwater level above the dashboard of a car can fully damage the electronic control systems of your beloved car. An image of a car submerged in water can render unserious panic attacks to almost any car owner. 

How Can Digit Insurance Save Your Car in Mumbai?

Digit Car Insurance helps you save a lot more than you can imagine. Old or new, liability and assets are always valuable. Digit provides a hasslefree online process for car insurance & complete transparency with no middlemen. 

  • Choose from Three Types of Car Insurance Policies:
    • Third-Party Liability Policy: This pays for you when you are legally held responsible for a mishap that has caused bodily injury or property damage to any other party.
    • Comprehensive Policy: This policy pays you for the damage to your own car along with the third-party liability. This is customizable with available add-ons to broaden the coverage. 
    • 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.

  • Avoid Heavy Fines: It is mandatory to have a third party car insurance in India to drive legally on the roads. The penalty amount for driving without insurance is ₹2000 and/or imprisonment for 3 months for the first offence. And ₹.4000 and/or imprisonment for 3 months for the second offence. Digit 3rd party car insurance saves you from the undue amount of liability which may arise if you are held responsible for the loss of any third party but does not cover any damage to your car.
  • Protect Your Car Under Comprehensive Cover: Considering the above-mentioned factors like flood and bumper to bumper traffic it is wiser to opt for Comprehensive car insurance in Mumbai that safeguards your car. The good part is, it covers against third-party liability and damages to your own car as well. This secures your car in both natural and man-made catastrophes. 
  • Add-ons Suitable for Mumbai: You can include multiple add-on covers in car insurance to broaden the coverage. For instance: Car engine & gearbox protection is an add-on that can come in helpful when your car suffers from any damage due to water ingression in a  flood or heavy rainfall, most suited for the weather conditions in Mumbai!!! Again you can buy a zero depreciation add-on if your car is new or a luxury one, as your car is always vulnerable to damages in heavy traffic. Depreciation of the car components won’t be considered during the claim process, which will save your money.