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Buy/Renew Comprehensive Car Insurance Online in India in 2024

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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 2024.

Table of Contents

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What is Comprehensive Car Insurance?

Comprehensive car insurance is an all-inclusive car insurance policy 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. 

Why Should You Get Comprehensive Car Insurance?

Saves Money

Saves Money

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!

Complete Coverage for your Car

Complete Coverage for your Car

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.

Covers you Legally

Covers you Legally

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 😊

What is Covered in Comprehensive Car Insurance?

Damages Due to Accidents

Even the tiniest accidents can cause so much trouble! That’s why this covers for you and your car during all unfortunate accidents. 

Car Thefts

Unfortunately, if your lovely car is stolen – your comprehensive car insurance will help make the situation better! 😊  

Losses to a Third-Party

It’s time to stop getting bitter over strangers for accidents both major and minor and let your comprehensive car insurance take care of the same! 

Damages due to a Natural Disaster

Nature’s many furies are not in your hands! Therefore, don’t worry if a flood or cyclone damages your car. If you have a comprehensive car insurance policy in place, you’ll be covered!  

Personal Injuries or Death in an Accident

Accidents can lead to not only car damage but personal injuries too! Comprehensive car insurance ensures you’re protected for in the likelihood of the same. (provided you have the PA cover).

Damages Caused in a Fire

Even a small fire can lead to major damage to your car or its parts! That’s why comprehensive car insurance ensures you don’t need to bear the brunt of it. 

What’s Not Covered?

It’s true that a comprehensive car insurance gives your car 360-degree protection but here are some exceptions.

Driving Drunk

Any claims made in a situation where you were driving drunk won’t be considered. 

Driving without a License

You can’t make claims if you were driving without a valid driver’s license.  

Add-ons Not Bought

In case you haven’t bought a particular add-on you can’t claim for its benefits!

Consequential Damages

Consequential damages are those that take place after the accident. Unless covered for in an add-on, such damages can’t be covered.  

Contributory Negligence

To simply put it, don’t do things you aren’t supposed to! 😊 For example; if there are floods in your city, don’t take the risk and take your car out. Listen to your manufacturer’s manual cause such negligence can’t be covered!

Driving without a valid License Holder

In case you have a learner’s license, you should be driving with a valid license holder. Your car insurance won’t cover for you otherwise.  

Add-ons to Customize your Comprehensive Car Insurance

Get better coverage for your car with these add-on covers available with Comprehensive Car Insurance policy.

Zero Depreciation Cover

If your car is less than 5 years old, get this cover to avoid paying for the cost of depreciation during your car insurance claims. Read more about Zero Depreciation Car Insurance.

Breakdown Assistance

We all need a little help sometimes! That’s why we have this cover to help you out in situations where you need a helping hand. Read more about Roadside Assistance.

Tyre Protect Cover

Similar to an engine gearbox cover. Except this one covers and protects for your tyre in all possible situations, apart from just an accident. Know more about tyre protect add-on.

Engine & Gearbox Protection

A car insurance will only cover for engine or gearbox damage when it happens in an accident but, this cover lets you protect your engine and gearbox in all possible situations. Read more about Engine Protection cover.

Return to Invoice Cover

Ideal for new cars, this cover gives you the benefit of literally keeping your car as good as new. In case of a theft, or damages beyond repair this cover gives you back the complete value of your car’s invoice value. Read more about RTI in car insurance.

Consumable Cover

Every small thing makes a difference. That’s why this cover is dedicated to protecting all your car’s nitty-gritties such as engine oils, screws, nuts and more, regardless of any accidents. Read more about Consumable cover.

Passenger Cover

Your comprehensive car insurance already covers you but why not protect the person riding with you, too? Read more about Passenger Cover.

Why Should You Buy Comprehensive Car Insurance by Digit?

We treat our customers like VIPs, know how…

Cashless Repairs

6000+ Cashless Network Garages for you to choose from across India

Smartphone-enabled Self Inspection

Just click the damages on your phone and you are done

Super-Fast claims

We've settled 96% of all claims for private cars!

Customize your Vehicle IDV

Customize your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 call facility even on National Holidays

Difference between Third-Party, Own Damage & Comprehensive Car Insurance

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Know more about the difference between comprehensive and third party insurance

How to Buy Comprehensive Car Insurance Online?

Step 1 – On the Digit app or website, enter your car's registration number, select the policy status and click on ‘View Prices’.

Step 2 – Select the comprehensive plan, add-ons and click on ‘Continue.’

Step 3 – Enter your personal, nominee and vehicle details and click on ‘Pay Now.’

Step 4 – Complete the payment and mandatory KYC verification process.

Step 5 – You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

Documents Required to Buy Car Insurance Policy Online

To buy Digit comprehensive insurance for car online, furnish only the following documents:

  • Car Registration Certificate 

  • Previous year car insurance policy, if applicable

  • Any of these documents for KYC verification - PAN/Aadhar/DL/Voter id/Form 16/Passport

Comprehensive Car Insurance for Old Cars

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.

Who should buy a Comprehensive Insurance for Car?

The New Car Owner

Buying a new car is almost like a milestone for most people. After already spending so much on your new car, the least you should do for your car and your peace of mind is protect it with comprehensive cover.

The One Who Lives in the Big Bustling City

Driving in bigger, metro cities always has its own set of risks given the rise in traffic, accidents and even pollution. Therefore, to be on the safer side it’s always better to protect your car with a comprehensive car insurance. 

The Luxurious Car Owner

If you own a stunning BMW or Audi, you should opt for comprehensive car insurance that won’t only protect your car from damage and theft but will also save your pocket from any other unexpected losses!

The Overprotective Car Parent

It’s okay to feel a little possessive about your dear car. Sometimes, even a small scratch can hurt! If you’re picky about anything happening to your car, then this goes without saying that you need comprehensive car insurance!

The Clumsy Driver

We’re a little clumsy sometimes but some of us, maybe more than the rest! If you’re someone who’s always prone to little accidents and mishaps, then it’s better you opt for Comprehensive Car Insurance that will help you and your car in all the clumsy situations!

People Who Frequently Go on Road Trips

If you often take the country down by road then getting comprehensive car insurance is almost compulsory! After all, the last thing you want while traveling is unexpected losses. Besides, comprehensive cover also lets you opt for breakdown assistance, that you could benefit from while traveling across the country. 

Why Should You Upgrade to Comprehensive Car Insurance?

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!

 

Know more about Compare Car Insurance.

How to Calculate Comprehensive Car Insurance Premium?

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 

Factors Affecting Comprehensive Car Insurance Premium

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): NCB 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. 

FAQs about Comprehensive Car Insurance Policy