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If you want to hit the road with peace of mind, get Comprehensive Car Insurance online by Digit today!
This guide will take you through everything you need to know about comprehensive insurance meaning and buying or renewing comprehensive car insurance in India for 2025.
Comprehensive car insurance is an all-inclusive car insurance that covers both third-party car insurance and own damage.
It is a full coverage insurance for cars that offers the most extensive protection for your vehicle. Unlike third-party insurance, comprehensive insurance safeguards you against unforeseen losses such as an accident, natural calamity, fire or theft.
Comprehensive car insurance covers repairs or replacement costs for your car and protects you from financial liability for injuries or property damage caused to others involved in an accident.
Additionally, with Digit’s Comprehensive Car Insurance, you can customize your policy further with a range of add-on covers.
1.2 Crore+
Policies Sold
75 Lacs+
Cars Insured
8 Lacs+
Claims Settled
3000 Crore+
Paid-in Claims
96% Claims Settled
FY'25
9000+
Cashless Garages
Disclaimer: "The total no of claims settled since inception till 31st December 2024" Disclaimer: "The total no of unique private car vehicles insured since inception till 31st December 2024" Disclaimer: "The total amount of claims paid since inception till 31st December 2024" Disclaimer: This Claim Settlement Ratio is calculated for Overall Motor line of business of Digit. CSR Is calculated for FY'25. CSR Ratio is count of (Claims paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End) |"Disclaimer: The total count of network garages as of 31st December 2024"
You don’t realize how much even small repairs can cost until something suddenly happens to your car! Protecting your car with a comprehensive car insurance ensures dents on your car don’t lead to dents in your pocket!
A comprehensive car insurance gives you the maximum amount of coverage your car can get. Especially, with customizable add-ons available, you can protect your car from all possible situations.
People are often under the wrong impression that they need a third-party car insurance to drive legally. However, a comprehensive car insurance already includes and covers for third-party damages and hence ensures you can drive legally too 😊
When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:
Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
Cashless Claims at over 9000 garages in India, so you can get your two-wheeler fixed without stress.
Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!
4.7/5
(250K + Customer Ratings)
4.9/5
4.7/5
6 Dec 2024
Shaaz Suhail Salafi
13 Dec 2024
Ajay Bharade
13 Dec 2024
DinShaw Sahukar
20 Dec 2024
Abhishek Sharma
13 Aug 2024
Pratheesh R
It’s true that a comprehensive car insurance gives your car 360-degree protection but here are some exceptions.
Get better coverage for your car with these add-on covers available with Comprehensive Car Insurance policy.
We treat our customers like VIPs, know how…
9000+ Cashless Network Garages for you to choose from across India
Just click the damages on your phone and you are done
We've settled 96% of all claims for private cars!
With us, you can customize your vehicle IDV as per your choice!
24*7 call facility even on National Holidays
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Damages/Losses to own car due to an accident |
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Damages/Losses to own car in case of fire |
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Damages/Losses to own car in case of a natural calamity |
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Damages to Third-Party Vehicle |
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Damages to Third-Party Property |
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Personal Accident Cover |
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Injuries/Death of a Third-Party Person |
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Theft of your car |
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Customize your IDV |
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Extra protection with customized add-ons |
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Know more about the difference between comprehensive and third party insurance
Enter Car Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of car insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
While buying a new car insurance policy online from Digit, you don’t need a load of documents or paperwork. By having the following documents handy, you can easily buy a new car insurance policy within minutes:
Car Registration Certificate
Previous year car insurance policy
A Previous Year Car Insurance Policy refers to the car insurance coverage you had for the previous policy term, typically valid for one year. It includes details like:
Aadhaar Card
Comprehensive car insurance protects all kinds of cars- whether luxurious, old, or new. However, most people get a third-party policy for their old cars when they should get a comprehensive car insurance policy. This is because it is more beneficial and offers enhanced coverage for an old car if you still use it regularly.
Also, before deciding on buying comprehensive insurance coverage for your old car, consider its age as well as how long you plan to continue using it.
For example, if you have a car older than 10 years, but you use it regularly for commuting to work and plan to use it for the next four years.
So, getting comprehensive car insurance would be a wise decision as older cars have lower market value so you can get insured for a lower premium and get enhanced protection.
At Digit, we believe filing a motor insurance claim should be simple, not stressful. That’s why we’ve built intelligent automation into every step of the process—so you can get back on the road, faster.
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In H2 FY25, our average car repair approval time was 14 hours and 46 minutes, with 67% of approvals completed within 12 hours. Only a few cases experienced longer wait times, typically due to complex assessments or the need for additional documentation, highlighting our commitment to minimising delays and maximising efficiency.
Rest assured, we carefully monitor every step to ensure your car is back on the road as swiftly as possible!
The below data is for all the products as given in the table below.
That’s how many times we showed up for our customers in FY 2024–25. Behind each of those numbers is a mishap, and we were right there, making sure things got sorted quickly.
Out of these, nearly ₹6.52 lakh were motor insurance claims alone—proof that we’re there when it matters most, whether it’s something trivial or serious.
From minor hiccups to major emergencies, we made sure our customers didn’t have to carry the financial burden alone. Quick settlements, zero confusion, and real peace of mind.
Of this, ₹2,199 crore was paid out under motor insurance, covering everything from accidents to unexpected situations like rat damage.
Out of 9.16 lakh claims in FY 2024–25, only 256 were escalated to the Hon’ble Ombudsman^. Out of which only 46# were escalated and ruled in favour of the customer. This significantly proves the claim's accuracy rate of 99.9950%.
For Motor Claims, out of 256 escalated claims for Digit, just 124 were motor-related. By year-end, 104 motor claims were closed, with 28 resolved through mediation. Only 26 health claim decisions went in favour of customers.
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost, and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
In a recent case from Raipur, a private car was involved in an accident that tragically resulted in a fatality. While such incidents are deeply distressing, they also bring significant financial and legal responsibilities. Fortunately, the vehicle was covered under our third-party insurance policy, which enabled a compensation payout of ₹1.5 crore to the affected party.
This case highlights the critical importance of third-party liability coverage in motor insurance, offering essential financial protection during life’s most difficult moments.
To ensure your car is protected you need to Compare Car Insurance policies to know which suits you the best.
People often make the mistake of only getting third-party car insurance because it’s cheaper. However, what they don’t realize is that even in the case of a small accident and damage to one’s own car, they’ll have to shell out money from their own pocket.
Instead, just spend a little more on a comprehensive car insurance policy and be relieved from any unexpected expenses!
You can use our Car Insurance Premium Calculator toe asily calculate the estimate premium of comprehensive car bike insurance.
It considers various factors such as the car's IDV, NCB, add-on covers you bought, RTO location of your four-wheeler, and any modifications made to your car for aesthetic purposes or to enhance performance.
However, the formula to calculate the premium payable for a car insurance policy is:
Premium payable = Third-party car insurance premium (fixed by IRDAI) + (Own Damage - NCB and other discounts (if applicable)) + add-ons
The premium of comprehensive car insurance policy depends on various factors, such as:
Insured Declared Value (IDV): Your car’s IDV is its approximate market value. So, the higher the IDV, the higher the premium of your car insurance policy.
No Claim Bonus (NCB): Let's understand what is ncb in car insurance. It is the discount you receive on your insurance premium if you haven’t raised any claim in the previous policy year. So, depending on your claims record, your next year’s premium will be lower.
Model/Make of Car: The make and model of your car significantly affects your car insurance premium as the more expensive car model, the higher will be the premium. Similarly, if your car is fitted with expensive parts or powerful engines, they will have higher repair costs, and hence higher premium.
Car’s Age: Older cars fetch less base premium as the depreciation on their parts increases, making them lose their value over time.
Add-ons: Getting car insurance add-ons from the 11 add-on covers available with comprehensive insurance for car at Digit increases your base premium amount, as they offer enhanced protection in different scenarios.
RTO Location: Your car’s RTO location or where your vehicle is registered also impacts the insurance premium. If it's a high-traffic metro city or accident-prone area, you are liable to pay a higher premium due to the increased risk.
Modifications to Car: If you’ve made any modifications to your car to enhance its performance or aesthetic, you will have to pay a higher insurance premium amount to cover the costs of these parts.
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Have queries related to Digit motor insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
Connect with our self-serve chat bot support - 7026061234
Write to us at hello@godigit.com
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