Pay As You Drive 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😎

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 😊

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.