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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😎
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
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 😊
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. |
Here’s what you’ll get with the Pay as You Drive car insurance add-on.
PAYD add-on rewards people who drive less with significantly lower premiums because the risk is reduced. Therefore, if you drive less, you pay less with PAYD, and you will have to pay a lower premium than a standard comprehensive or own damage policy.
Standard car insurance charges premium based on various factors like car type, age, and location; however, PAYD saves you from all that. With PAYD add-on cover, you can save up to 85% on your own damage car insurance premium, since you only have to pay as per your car usage.
PAYD add-on allows you to tailor your insurance as per your driving habits. With PAYD you can choose a mileage range that is the most suitable as per your usage. So, with PAYD you get the flexibility as you can top-up the kilometers range if you feel you are about to cross the declared distance travelled.
Pay As You Drive add-on puts you in control of your car insurance costs, as by monitoring your driving patterns, you can customise the PAYD in the insurance policy based on the estimated distance to be covered by your insured car.
PAYD is offered as an add-on cover with standard car insurance policy. So, its validity also aligns with the validity of your insurance policy, which is generally one year. However, it can vary based on the plan you have opted 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:
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. 🤔
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.
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.
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!
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.
Retirees who've swapped their daily commutes for leisurely drives can now enjoy rewards for their reduced mileage😊
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. 😊
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! 😊
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.
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.
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.
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.
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.
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.
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.
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.
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.
No, there is no need to install any device. Digit only requires photos of your odometer to avail the benefit under PAYD add-on cover.
No, there is no need to install any device. Digit only requires photos of your odometer to avail the benefit under PAYD add-on cover.
Yes, if under your current policy you have exceeded the opted range of kilometres, then you can top up as per your insurer’s terms and conditions.
Yes, if under your current policy you have exceeded the opted range of kilometres, then you can top up as per your insurer’s terms and conditions.
At Digit, we determine the distance travelled based on your odometer reading. We do not install any devices in your car for the same.
At Digit, we determine the distance travelled based on your odometer reading. We do not install any devices in your car for the same.
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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:
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Author: Team Digit
Last updated: 01-04-2025
CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.
Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.
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