Car Insurance in Nagpur

Nagpur is India’s 13th largest populous city and one of India’s fastest-growing cities. Consequently, the traffic in this city is always high, and commuters experience congestion on a daily basis. In such a busy city, car insurances are highly beneficial to prevent you from financial losses in case of unforeseen accidents.

Also, the Motor Vehicles Act 1988, mandates a third-party car insurance policy for every vehicle owner.

If you are a resident of Nagpur looking for a trusted insurance provider, look no further than Digit. You can choose from comprehensive and third-party car insurance policies according to your convenience.

The comprehensive car insurance policy covers the damages caused to both the owner and third party. However, the third-party insurance, as the name suggests, covers the third-party liabilities only. Keep reading to decide which insurance plan you want to opt for.

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

• 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

The third-largest city of Maharashtra, Nagpur is also called the “winter capital” of the state with a GDP of $15.10 billion. Being one of the most important metropolitan cities in India, the official language of the city is Marathi. The city is famous for its Nagpur oranges, friendly people and is a heaven for foodies. This city is still known to follow the megalithic culture.

Nagpur’s tradition reflects a strong influence of ethnic folk culture. This place is mostly acclaimed for folk dances and songs that were inherited from ancestors. At present, Nagpur is known to house 24.1 lakhs population, which is on a rising scale. The vehicle population in Maharashtra has been around 27.87 million and Nagpur contributes a major part of it.

Challenges Faced by Car Owners in Nagpur

• Congestion: Nagpur has gone through tremendous change over a few decades to transform this bustling city into a strategic one. But, things have not always been so easy. With such a hefty population, roads are always filled with vehicles. Moreover, this city is well-connected with public transportation like taxis, buses and rickshaws. Getting stranded in traffic jams is way too common in Nagpur. Even with introducing the metro-rail, there has been no drop in the accidents happening in the city.
  
• Climate Changes Degrading Road Condition: Nagpur is essentially known for its tropical savannah climate with dry conditions, forcing roads to crack often. Such unwanted cracks lead to more potholes, which get filled up with water during the hefty monsoon season. Unsuspecting drivers often end up in these potholes, thereby increasing the mortality rate.
  
• Car Theft: Nagpur has seen rampant theft issues in recent times. High-end cars parked in unsafe areas are often targeted by the miscreants. There have also been cases where cars were stolen even from demarcated parking spaces. 
  
• Traffic Jams with Deadly Potholes: With the ever-growing numbers of potholes, driving in Nagpur has now proven to be a deadly test for the citizens. Already grappling with traffic jams because of new constructions and metro lines, motorists have high chances of facing accidents because of the recurring problem of potholes that dot the city. 
  

Digit Insurance is a reliable insurance firm, offering basic and add-on car coverage policies for new and old car owners. Apart from their good selection of insurance policies and add-ons, Digit’s entire process is online.

The documents are easy to understand and the entire process is hassle-free where you won’t have to involve any middlemen. With a high claim settlement ratio, doorstep pickup and drop, cashless repair and 24*7 customer support, getting an insurance and settling claims with Digit will prove to be a cakewalk for you.
 

• Choice of Insurance Policy: Under its portfolio, Digit offers three types of policies that you can choose from:
  • Third-Party Cover: This policy pays for bodily injury or property damage to a third-party caused by you. This will not cover damage to your own car. 
  • Comprehensive Cover: This policy pays for the expenses of damages to your own car resulting from accidents, thefts, fires, natural calamities, etc. Also, it takes care of your third-party liabilities.
  • 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.
     
• Legally Abiding: Driving without a valid insurance policy is illegal and can warrant a fine up to Rs.2000 and for repeated offence up to Rs. 4000. Driving licence may even be confiscated and it can lead to imprisonment up to 3 months.
• Cover Accidental Damages with Comprehensive Policy: With Nagpur’s pot-hole plagued roads posing threats to drivers as well as the congestible traffic increasing the probabilities of dents and accidents, Digit’s comprehensive plan will be a great asset to safeguarding your vehicle. This policy will help you to recover the damages to your car caused by bumper to bumper traffic, accidents, natural calamities, thefts and situations alike in Nagpur.
• Add-ons Suitable for Nagpur: Digit offers 7 add-ons to match the customer’s needs. Add-ons like Return to Invoice is suitable for your vehicle in Nagpur as the city is prone to vehicle thefts. With this add-on, the insurer will pay you the on-road value of the car in case your car is stolen. The consumable cover add-on will cover all costs of your engine oils, screws, nuts and bolts, grease, etc if they are replaced after an accident. Other add-ons like engine and gearbox protection, roadside assistance, etc are available and you can choose as per your requirements.