Pay As You Drive Car Insurance

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Up to 90% Off with PAYD Add-On

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.

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Support

Pay As You Drive (PAYD) Add-on Cover with Digit Car Insurance

Welcome to the future of car insurance – where you're in control of your coverage and your costs. Introducing Digit Car Insurance with the Pay-As-You-Drive Car add-on, with which if you drive less, you pay less!

We believe that driving less should lead to paying less, and with our innovative approach, you can save up to 85% on your car insurance, if you drive under 10,000 km/year.

So, say goodbye to one-size-fits-all policies and hello to insurance that adapts to your lifestyle😎

What is the ‘Pay As You Drive’ Add-on Cover?

As the name suggests, the Pay As You Drive (PAYD) add-on is a cover you can opt for in your car insurance (when buying a comprehensive or own damage car insurance) if you drive less than 10,000 km/year. This gives you a discount on your own damage premium, of up to 85%, based on how much you drive in a year.

Launched in 2022, Digit Insurance was the first insurer to offer this feature!

While this was initially for those who drive less than 15,000 km/year, we are now upping the game by offering even further discounts for people who drive less than 10,000 km/year. 😎

Note: Pay As You Drive add-on cover has been filed as Digit Private Car Pay As You Drive with Insurance Regulatory and Development Authority (IRDA) with UIN number IRDAN158RP0005V01201718/A0009V01202223

How Does the Pay As You Drive Add-on in Car Insurance Work?

If you’re thinking this will need some fancy declarations or a new-gen tech device to track your readings, you’re wrong. (You know we’re all about keeping things simple, right? 😉).

We tried to keep the approach super simple for you to get this discount. It is not based on your future driving behaviour, telematics or any app that will track your driving skills; rather we take into account the average kilometers driven by you per year.

This can be easily checked just by looking at your odometer reading and dividing that by how old your car is!

While buying your car insurance policy with us, we will ask you to take a video of your car and odometer reading (don’t worry, it’s all simple, and within the app).

That’s it!

This is how we will check if you drive less 😊

Why Should You Buy Car Insurance by Digit?

We treat our customers like VIPs, know how…

Cashless Repairs

With access to over 9000+ cashless garages across India, you can get your car repaired without worrying about upfront payments. Digit also offers pickup and drop, adding convenience to the repair process.

Smartphone-Enabled Self Inspection

Skip the hassle of physical inspections. Digit allows you to upload photos and videos of the damage directly from your smartphone, making the claim process faster and more convenient.

Super-Fast Claims

Digit has settled 96% of motor claims, with most processed in just a few hours. The digital-first approach ensures minimal paperwork and quick turnaround, so you can get back on the road sooner.

24*7 Support

Whether it’s a weekday, weekend, or national holiday, Digit’s support team is available round the clock to assist you with queries, claims, or policy updates.

Customize Your Vehicle IDV

You have the flexibility to set your car’s Insured Declared Value (IDV) based on your preference. This helps you balance your coverage and premium according to your needs.

Complimentary Wellness Benefits

As a Digit customer, you get access to exclusive wellness offers & benefits. Top-rated health and wellness partners provide these benefits, adding extra value to your insurance plan.

Difference between Comprehensive Car Insurance Policy and PAYD Cover

A car insurance policy is no doubt a great way to protect your car; however, you can always enhance its benefits using add-ons, like Pay As You Drive cover.

To know better, read here the difference between comprehensive car insurance policy and PAYD Cover.

Features	Pay as You Drive Cover	Comprehensive Insurance
Benefit	PAYD is usage-based, allowing you to save up to 85% on your car insurance, if you drive under 10,000 km/year.	It is a complete insurance plan that protects your car from own damage and third-party liabilities.
Premium	You have to pay the premium based on how much distance is covered by the car.	Its premium depends on various factors like the car’s make and model, age, location, add-ons, and Insured Declared Value (IDV).
Customisation	The PAYD cover is customisable as you can select the plan as per your preferred distance slab. it allows you to insure your car based on your usage	In this, you can only customise the IDV and add-ons offered by your insurer.
Claims	You can raise a claim till you are within the selected kilometers range.	You can raise a claim till your policy is active.
Validity	Typically, PAYD cover’s validity is one year. However, it may differ from insurer to insurer.	There are multiple options available. You can choose if you have chosen a one-year policy, the policy’s duration will be one year, irrespective of the car’s usage.

What are the Features of Pay As You Drive Add-on in Car Insurance?

Here’s what you’ll get with the Pay as You Drive car insurance add-on.

Who is it Perfect for?

Digit’s Car Insurance with the Pay-As-You-Drive Car add-on can be a perfect choice if you fall under any of these categories:

Daily Office Commuters

If you live in any Indian city, from small towns to big metros, and need to commute daily, chances are you drive less than 10,000 km! Think about it, even if you live 10-12 km away, you’re still only covering up to 7k km a year. 🤔

The Work from Home Tribe

WFH/Hybrid work = a parked car. Maybe your car is just your weekend vibe when you’re spending most days working from home. In this case, you are not only driving less but rather, veryyyy less.

Team Public Transport

Public transport is bae when commutes are such a hassle these days. If you’d rather be cruising along the metro, train, cab or auto despite having a car back home, this car insurance could be perfect for you too.

Second Car Owners

There’s the once-in-a-while use car and then there’s the “school pick-up and drop, everyday” car. For people with more than one car that doesn’t cover a lot of distance (or rather the kms are shared between the cars), the pay-as-you drive add-on could be perfect for your cars!

Multiple Vehicle Owners

Own a car and a bike but end up using the bike more? We get it, ‘Citylife.’ If your car is primarily for special occasions, enjoy peace of mind with a car insurance that won’t cost you much.

Retired Explorers

Retirees who've swapped their daily commutes for leisurely drives can now enjoy rewards for their reduced mileage😊

Urban City Dwellers

Living in a metro city means spending a lot of time on the road but still not really driving much. Your commutes may seem long (thanks to the traffic!) but if you do the math, you probably don’t cover that much. Check your kilometre reading to be sure. 😊

How to Check if You Drive Less?

First things first, get into that driver’s seat and follow the below steps:

Step 1: In your car, look for a small rectangle usually containing five or six numbers near the speedometer. If your car is newer, it may be digital. If your car is older or less modern, it will be a physical or mechanical set of numbers.

Step 2: Now, simply make a note of the number displayed. This is the number of kilometres your car driven in its life.

Step 3: Divide the number by how old your car is. For example, say your car reading is around 45,000 km and your car is 6 years old, then 45,000/6 years would be 7500 km. This means, your car is driven for an average of 7500 km/year.

And yeah, that's about it! That’s how you can find out how much you drive and if this car insurance with the pay-as-you-drive add-on could be perfect for you too!

Check your kilometre reading today to check if you drive less too! 😊

What if the Declared Car Usage Limit is Exhausted?

If your insured car crosses the declared usage limit of 10,000 km, you will have to pay an additional premium if you want to add the kilometres.

Also, remember that if your car insurance policy expires or if you have covered the declared distance, you will not be covered under the PAYD cover policy.

FAQs about Pay As You Drive Car Insurance

All

What is Pay as You Drive insurance?

Pay as You Drive insurance is an add-on cover that allows you to pay car insurance premium based on the distance travelled, if it is within 10,000 km.

Do I need any documents to buy Pay As You Drive insurance plan?

With Digit, you will only need to provide your car details and upload some photos of your car’s odometer, ID proof for KYC process, and you are good to go.

Is getting PAYD insurance a good idea?

Yes, it is a good option for those who don’t drive their vehicle frequently, as PAYD insurance’s premium depends on the distance covered by the car.

When can I raise a claim under Pay As You Drive car insurance policy?

You can raise a claim under PAYD till your vehicle has travelled the distance within the usage limit mentioned in the policy, which is generally 10,000 km. If the limit is crossed, you might be asked to make a co-payment by the insurer.