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Digit Car Insurance

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9000+ Cashless

Network Garages

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96% Claim

Settlement (FY23-24)

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24*7 Claims

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Up to 90% Off with PAYD Add-On
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What’s Covered in Digit Car Insurance

Hatchback Damaged Driving

Accidents

Damages and losses that may arise out of accidents and collisions

Getaway Car

Theft

Covers for the losses incurred when your car is unfortunately stolen

Car Got Fire

Fire

Damages and losses caused to your car due to an accidental fire

Natural Disaster

Natural Disasters

Damages and losses to your car in case of natural calamities such as floods, cyclones, etc.

Personal Accident

Personal Accident

If there is a car accident and unfortunately, it leads to death or disability of the owner

Third Party Losses

Third Party Losses

In cases where your car causes damages and losses to someone else, their car or property.

Add-on Covers with Digit Car Insurance

Car insurance add-ons which you can buy with your car insurance policy

Zero Depreciation Cover

Ideal for cars less than 5 years old, zero depreciation cover allows you to nullify the depreciation charged on your car and its parts and gives you the full value of repairs, costs and replacements during a claim.

Return to Invoice Cover

In case of theft or damages beyond repair, return to invoice add-on gives you the benefit of getting back the complete amount of your car's invoice value, including the cost of registering a new vehicle and its road tax respectively.

Passenger Cover

We hope this never happens, but if something happens to the person sitting with you in the car, in an unforeseen accident this cover is a fall back.

Tyre Protect Cover

Generally, tyre damage isn't covered in standard insurance unless the damage takes place during an accident. That's why this tyre protect add-on gives you the benefit to safeguard and cover for tyre damages such as tyre bursts, bulges or cuts during all other situations possible.

Breakdown Assistance

We all need a little help sometimes! Our Breakdown Assistance Add-On gives you the benefit of taking help whenever required, i.e assistance during car breakdowns at any time you'd like. The best part? It doesn't even count as a claim!

Consumable Cover

A consumable cover gives your car an additional layer of protection. It covers the cost for all your car's nitty-gritties, such as the engine oils, screws, nuts and bolts, grease, etc in a situation of an accident.

Engine and Gear-box Protection Cover

Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard car insurance policy, only damages caused during the accident are covered. However, with this add-on, you can specifically also cover for the life of your car (the engine and gearbox!) for any consequential damages caused post the accident. This could happen due to water regression, leakage of lubricating oil, and undercarriage damages.

What’s not Covered

It is equally important to know what’s not covered in your car insurance policy, so that there are no surprises when you make a claim. Here are some such situations:

Own Damages for Third-Party Policy holder

In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered. 

Drunk Driving or without a Licence

You were driving drunk or without a valid driving licence.

Driving without a valid Driving Licence holder

You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.

Consequential Damages

Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)

Contributory Negligences

Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)

Add-ons not Bought

Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.