Car Insurance 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.

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

• 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

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. 

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.