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What’s Covered in Digit Car Insurance

Hatchback Damaged Driving


Damages and losses that may arise out of accidents and collisions

Getaway Car


Covers for the losses incurred when your car is unfortunately stolen

Car Got 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

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.

Why should you buy Digit Car Insurance?

We treat our customers like VIPs, know how…

Cashless Repairs

5800+ Cashless Network Garages for you to choose from across India

Doorstep Pickup & Repair

Doorstep pickup, repair and drop with 6 months repair warranty - for repairs at our network garages

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!

24*7 Support

24*7 call facility even on National Holidays

Customize your Vehicle IDV

Customize your Vehicle IDV

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

Key Features of Car Insurance by Digit

Key Features

Digit Benefit


Starting from ₹2072

No Claim Bonus

Up to 50% Discount

Customizable Add-Ons

7 Add-ons available

Cashless Repairs

Available at 5800+ Garages with Doorstep Pickup & Drop

Claim Process

Smartphone-enabled Claim process. Can be done online within 7 minutes!

Claim Settlement Ratio

96% Claims Settled for Private Cars *

Own Damage Cover


Damages to Third-Party

Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

* Based on internal assessment for the time period : April 2018 to March 2019

Car Insurance plans that fit your needs


Third party

A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.



A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.




How to file a Car Insurance Claim?

After you buy or renew our car insurance plan, you live tension free as we have a 3-step, completely digital claims process!

Step 1

Just call on 1800-258-5956. No forms to be filled

Step 2

Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.

Step 3

Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.

Claims Made Simple with Digit’s Car Insurance

Cashless Garages by Digit

Digit's Cashless Garages

Get cashless repairs at 5800+ garages across India 

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

What our customers have to say about us

Vishal Modi

One is the best and easiest insurance claims process i have had. Very helpful customer care and efficient surveyors (Mr. Satish Kumar in my case). Just upload the photos and get your claim processed. Reimbursement also done very fast. Great going godigit!!!!

Sulabh Sinha

It gives me immense pleasure to share my recent experience with Digit. Now, I can say it is the best insurance service provider in market, in terms of claim settlement and customer support. I would like to convey my sincere thanks to Mr. Ratna (surveyor) who handled my case in very professional manner. He advised me the right thing at the right time and this is what you expect from your insurer. Expecting Digit to continue the same quality of service in future.

Siddhant Gandhi

It is great experience and pleasure to have been associated with Digit insurance. The entire process seemed to be so easy and customer friendly that I didnt stress myself over my car getting ready at workshop. You get a link and yourself click the photos of your damaged car and create the claim number for the same. Further entire care is taken by your surveyor. In my case Mr. Mhatre was extremely helpful and quick to reapond in all the matters. Definately better than my earlier Insurer. Go Go Digit!!

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Benefits of a Car Insurance Policy

Protect your Pocket from Financial Losses

Whether you go for a third-party car insurance or comprehensive car insurance, having a car insurance can benefit you by saving you from paying huge amounts in case of damages and losses caused during an accident, a natural calamity, fire, theft and other such unforeseen circumstances. Additionally, you can also protect yourself from hefty traffic fines! 

Avoid Problems Caused Due to Third-Party Damages

Accidents happen with everyone. In case you end up in a situation where you’ve accidentally hit someone, a car or someone’s property, your car insurance will be there for you to cover for the damages and losses incurred to the third-party so you don’t need to spend hours arguing or fighting over it! 

Get Better Coverage & Benefits with Add-Ons

If you opt for a comprehensive car insurance, you can benefit further by getting better coverage for your car using add-ons like the zero-depreciation cover, return to invoice cover, consumables cover, and breakdown assistance, amongst others.

Be the Good Person in the Eyes of Law

As per the Motor Vehicles Act, all cars must have at least a third-party car insurance. Without one, you will be liable to pay a penalty of Rs 2,000 for the first offence and Rs 4,000 for the second time. 

Get Doorstep Pick-up & Drop

When you opt for Digit’s comprehensive car insurance, you benefit a little more by getting free doorstep pick up and drop when your car needs to be repaired off some damages 

Save on Time!

Thanks to technology, with Digit- everything from making buying a car insurance to making a claim can be done online within a few minutes. This means you don’t only save on money but, also save on your precious time!

How to choose the right Car Insurance?

Here’s what you should look for to pick the right car insurance for your car:

Buying Process

Everyone’s crunched for time. Therefore, always look for a car insurance from where getting one doesn’t involve long, cumbersome processes. With Digit, you can buy your car insurance within minutes, online.

Right IDV

Your IDV, a.k.a the market value of your car is one of the most important parts about your car insurance. This is because it directly affects your car insurance premium, and during claims- your claim amount as well. With Digit, we let you customize your IDV yourself.

Service Benefits

We all love a few extra benefits, don’t we? Therefore, one of the things you should look for in choosing your car insurance is the kind of service benefits it offers. For example, at Digit one of our star service benefits includes Doorstep Pick-Up and Drop! 

Claim Process

Claims are the reason we get a car insurance in the first place! Therefore, ensure the claim process of your desired car insurance is smooth and doesn’t take too long. When you’re in trouble, the last thing you want is, to spend all your time and energy in just filing a claim! 

Claim Settlements

Claim Settlements are basically getting your compensations done right. Claims being such an important part of a car insurance, check for your desired insurer’s claim settlement ratio so that you’re assured that no matter what, your claims will be settled! 

Customer Support

Perhaps underrated, but customer support is so important when it comes to car insurance. Think about it. Who will you call in times of trouble? Therefore, look for a car insurer that gives you 24x7 support, so you always have someone to rely on!

Car Insurance Terminologies you need to know

How to Choose the right Car Insurance Policy?

Why Renew Car Policy with Digit?

Important things to know about Car Insurance Policy

FAQ's related to buying Car Insurance Online

Of course, you may have more questions related to renewing or buying car insurance only, so scroll down and find your question answered!