Car Insurance

If your current car insurance policy is expiring soon or has already expired (although we hope not!) you can easily renew online with the following steps: Step 1: Visit www.godigit.com Step 2: Enter your Car Brand, Car Variant and Registration Date and click on Get Quote. Step 3: You’ll further be asked to enter your current or previous policy expiry date and your no claim bonus (if any) Step 4: Opt for your choice of car insurance plan (Third-Party Car Insurance/Comprehensive Car Insurance) and further customize your policy with add-ons (if you want) Step 5: Complete your payment and your policy will be sent to you online! 

If your current car insurance policy is expiring soon or has already expired (although we hope not!) you can easily renew online with the following steps:

Step 1: Visit www.godigit.com

Step 2: Enter your Car Brand, Car Variant and Registration Date and click on Get Quote.

Step 3: You’ll further be asked to enter your current or previous policy expiry date and your no claim bonus (if any)

Step 4: Opt for your choice of car insurance plan (Third-Party Car Insurance/Comprehensive Car Insurance) and further customize your policy with add-ons (if you want)

Step 5: Complete your payment and your policy will be sent to you online! 

If you already have an existing third-party car insurance with us or another insurer, you can go for your Own Damage car insurance policy to protect your own car too from damage. 

If you already have an existing third-party car insurance with us or another insurer, you can go for your Own Damage car insurance policy to protect your own car too from damage. 

Taking comprehensive car insurance cover is always advisable as it provides complete protection of not only someone else’s car like Third-Party car insurance, but also the Own Damage to your car, as well as any injury to the owner driver.

Taking comprehensive car insurance cover is always advisable as it provides complete protection of not only someone else’s car like Third-Party car insurance, but also the Own Damage to your car, as well as any injury to the owner driver.

Comprehensive car insurance is considered the best for cars older than 5 years as it offers complete protection, and you can even buy add-ons with it for added protection. 

Comprehensive car insurance is considered the best for cars older than 5 years as it offers complete protection, and you can even buy add-ons with it for added protection. 

Both comprehensive and third-party insurance policies are good in India, depending on your needs. For new and luxury cars owners, comprehensive policy is the best, while for second-hand cars or older cars, third-party insurance works best. 

Both comprehensive and third-party insurance policies are good in India, depending on your needs. For new and luxury cars owners, comprehensive policy is the best, while for second-hand cars or older cars, third-party insurance works best. 

Absolutely, you can transfer your NCB from your old insurer, and we will always give you some additional discounts. After all, good drivers should always be rewarded.

Absolutely, you can transfer your NCB from your old insurer, and we will always give you some additional discounts. After all, good drivers should always be rewarded.

If you have a car with a valid driving license, you are eligible (in fact, it’s compulsory by law) to get car insurance for your respective car. 

If you have a car with a valid driving license, you are eligible (in fact, it’s compulsory by law) to get car insurance for your respective car. 

If you have an old car that you drive daily, then you must protect it with maximum coverage provided by comprehensive insurance policy. It will cover the third-party policy and protect your car in unfortunate events.

If you have an old car that you drive daily, then you must protect it with maximum coverage provided by comprehensive insurance policy. It will cover the third-party policy and protect your car in unfortunate events.

Yes, car insurance that at least covers third-party damages is compulsory according to the Motor Vehicles Act 1988.

Yes, car insurance that at least covers third-party damages is compulsory according to the Motor Vehicles Act 1988.

IDV stands for Insured Declared Value of the car. It is the maximum amount your car insurance company will pay you if your car gets stolen or damaged beyond repair. 

IDV stands for Insured Declared Value of the car. It is the maximum amount your car insurance company will pay you if your car gets stolen or damaged beyond repair. 

Car insurance is generally expensive in India because for new cars the IDV is maximum, which hikes the premium amount. As the car ages, the value of the car depreciates with age, which lowers its IDV. 

Car insurance is generally expensive in India because for new cars the IDV is maximum, which hikes the premium amount. As the car ages, the value of the car depreciates with age, which lowers its IDV. 

An endorsement in car insurance is the increased premium due to changes to your existing car insurance policy, which may include adding a driver, updating your car details, increasing coverage, etc. 

An endorsement in car insurance is the increased premium due to changes to your existing car insurance policy, which may include adding a driver, updating your car details, increasing coverage, etc. 

Cashless car insurance is a benefit offered by the car insurer where you don’t have to pay anything to get your car repaired if the repairs are done in the insurance company’s authorised garages. At Digit, we have 9000+ garages across the country and we also offer a Pick-up, Repair and Drop service with a 6-month repair warranty.

Cashless car insurance is a benefit offered by the car insurer where you don’t have to pay anything to get your car repaired if the repairs are done in the insurance company’s authorised garages.

At Digit, we have 9000+ garages across the country and we also offer a Pick-up, Repair and Drop service with a 6-month repair warranty.

In India, you may get fined ₹2,000 for a first offense of driving without insurance and ₹4,000 for subsequent offenses. You may also get imprisoned for up to 3 months. 

In India, you may get fined ₹2,000 for a first offense of driving without insurance and ₹4,000 for subsequent offenses. You may also get imprisoned for up to 3 months. 

If you are buying car insurance for the first time, research about various car insurances, based on how much IDV, add-ons, how is their service during claims, etc., and set the right deductible. If you are renewing your car insurance, don’t forget to claim your NCB, as that will lead to a lower premium.

If you are buying car insurance for the first time, research about various car insurances, based on how much IDV, add-ons, how is their service during claims, etc., and set the right deductible.

If you are renewing your car insurance, don’t forget to claim your NCB, as that will lead to a lower premium.

Yes, when you buy a new car, you can transfer your old car insurance policy to your new car. You have to inform your insurance company about the transfer. You can also retain your NCB. When you purchase a used car, the first step would be the transfer of the registration certificate (RC), also transferring the insurance policy at the same time. Once the new owner has bought the car, the policy of the previous owner will not be valid.

Yes, when you buy a new car, you can transfer your old car insurance policy to your new car. You have to inform your insurance company about the transfer. You can also retain your NCB.

When you purchase a used car, the first step would be the transfer of the registration certificate (RC), also transferring the insurance policy at the same time. Once the new owner has bought the car, the policy of the previous owner will not be valid.

No, if you already have a PA cover under an existing motor policy or as a standalone then you don’t need to buy it under your new car insurance policy. However, you should have at least one PA cover as it is mandatory by law.

No, if you already have a PA cover under an existing motor policy or as a standalone then you don’t need to buy it under your new car insurance policy. However, you should have at least one PA cover as it is mandatory by law.

1st party car insurance covers only the damage to your own vehicle in an accident, which is the Own Damage (OD) policy.  3rd party car insurance covers any injuries or damage caused to others (people or property) in an accident, due to your vehicle. It is legally mandatory in India.   A comprehensive insurance policy covers all 1st, 2nd, and 3rd party as it protects your car and covers any damage you cause to others.

• 1st party car insurance covers only the damage to your own vehicle in an accident, which is the Own Damage (OD) policy. 
• 3rd party car insurance covers any injuries or damage caused to others (people or property) in an accident, due to your vehicle. It is legally mandatory in India.  
• A comprehensive insurance policy covers all 1st, 2nd, and 3rd party as it protects your car and covers any damage you cause to others.

Sure, Digit will offer NCB discounts based on your history with another car insurance provider. Come on over!

Sure, Digit will offer NCB discounts based on your history with another car insurance provider. Come on over!

No, we believe in a zero-paperwork policy. So, when you are renewing the policy with us, we don’t ask for any paperwork!

No, we believe in a zero-paperwork policy. So, when you are renewing the policy with us, we don’t ask for any paperwork!

You can check your car insurance policy details by reading your policy document or by visitng the Digit website or app.

You can check your car insurance policy details by reading your policy document or by visitng the Digit website or app.

Both offline and online car insurance policies are the same; the only difference is that an online policy can be accessed through your email, while an offline policy is delivered through the post and any changes to it must be done via in-person process.

Both offline and online car insurance policies are the same; the only difference is that an online policy can be accessed through your email, while an offline policy is delivered through the post and any changes to it must be done via in-person process.

Yes, you must have at least a valid third-party car insurance policy to register your new car, as it is mandatory by law.

Yes, you must have at least a valid third-party car insurance policy to register your new car, as it is mandatory by law.

Important aspects to be considered before purchasing any policy are:  Speed of claim settlement- You don’t want to wait for your money, right? Approachability- Again, hours of waiting to talk to the customer care is not done! Cashless option for your car repairs network connectivity- Not your phone one but the service center network. Claim settlement history of the company.

Important aspects to be considered before purchasing any policy are: 

• Speed of claim settlement- You don’t want to wait for your money, right?
• Approachability- Again, hours of waiting to talk to the customer care is not done!
• Cashless option for your car repairs network connectivity- Not your phone one but the service center network.
• Claim settlement history of the company.

The cost of your car insurance premium is calculated based on your car's value and other factors including the car’s IDV, car's age, your driving record, car’s driving location, and the type and amount of coverage you choose. 

The cost of your car insurance premium is calculated based on your car's value and other factors including the car’s IDV, car's age, your driving record, car’s driving location, and the type and amount of coverage you choose. 

You can lower the premium by: Comparing the car insurance plans and opting for the one with lower premium Avoid buying unnecessary add-ons  Increasing your deductible Maintaining a clean driving record  Equipping your car with safety and security features

You can lower the premium by:

• Comparing the car insurance plans and opting for the one with lower premium
• Avoid buying unnecessary add-ons 
• Increasing your deductible
• Maintaining a clean driving record 
• Equipping your car with safety and security features

In a comprehensive car insurance policy, usually only the owner driver is covered in case of any personal accident. However, almost all insurers offer a passenger cover add-on that you can buy which covers the passengers of your car, with a little extra premium.

In a comprehensive car insurance policy, usually only the owner driver is covered in case of any personal accident. However, almost all insurers offer a passenger cover add-on that you can buy which covers the passengers of your car, with a little extra premium.

Engine is not usually covered in a standard package policy. However, there is an add-on offered by most insurers where you can cover the engine by paying a little extra premium. The Engine and Gear Protect add-on takes care of the damage to engine and gear box, in case of any unforeseen incident.

Engine is not usually covered in a standard package policy. However, there is an add-on offered by most insurers where you can cover the engine by paying a little extra premium.

The Engine and Gear Protect add-on takes care of the damage to engine and gear box, in case of any unforeseen incident.

No, a zero-depreciation cover does not cover damage to the engine. 

No, a zero-depreciation cover does not cover damage to the engine. 

Tyre is not usually covered in a standard package policy. However, there is Tyre Protect add-on offered by most insurers where you can cover the Tyre by paying a little extra premium.

Tyre is not usually covered in a standard package policy. However, there is Tyre Protect add-on offered by most insurers where you can cover the Tyre by paying a little extra premium.

If there is an electrical fire due to accident, then that is covered under your comprehensive car policy.

If there is an electrical fire due to accident, then that is covered under your comprehensive car policy.

No, fire damage to your car and theft are not covered under third-party insurance.

No, fire damage to your car and theft are not covered under third-party insurance.

Yes, damage caused due to rodent bites can be covered under comprehensive car insurance policy.

Yes, damage caused due to rodent bites can be covered under comprehensive car insurance policy.

Yes, you can! We understand that there may be a situation when you're not around a network garage or would like to get your bike or car repaired at another garage of your choice. In this case, we will reimburse the costs spent on repair as soon as you send us the invoices. Additionally, you could also check with our customer care team on our preferred network garages, and we could arrange for a pick-up through them if required.

Yes, you can! We understand that there may be a situation when you're not around a network garage or would like to get your bike or car repaired at another garage of your choice. In this case, we will reimburse the costs spent on repair as soon as you send us the invoices.

Additionally, you could also check with our customer care team on our preferred network garages, and we could arrange for a pick-up through them if required.

Though Digit’s Roadside Assistance cover doesn’t account for as a claim under our car insurance policy, you can claim it for a maximum of 4 times in one policy year.

Though Digit’s Roadside Assistance cover doesn’t account for as a claim under our car insurance policy, you can claim it for a maximum of 4 times in one policy year.

No, usually there is no limit to the number of car insurance claims you can make in a year. However, the type and extent of the claims can affect your car insurance policy. Also, frequent claims in a year can affect your No Claim Bonus (NCB).

No, usually there is no limit to the number of car insurance claims you can make in a year. However, the type and extent of the claims can affect your car insurance policy. Also, frequent claims in a year can affect your No Claim Bonus (NCB).

If your policy is from Digit, you should call us immediately on 1800-103-4448! We will help you from there on.

If your policy is from Digit, you should call us immediately on 1800-103-4448! We will help you from there on.

We have over 6000+ network garages across the country!

We have over 6000+ network garages across the country!

Lodge an FIR with the police. Tell your insurance company of the theft and submit the relevant documents.  Once this is done the police will attempt to locate your vehicle. After 6 months, if the vehicle has still not been found, the police will issue a ‘Non-Traceable Report', completing the transfer of the RC of your lost car to the insurance company. A letter of subrogation will also be submitted.  Once all relevant documents are received by the insurer, the claim will be settled.

• Lodge an FIR with the police.
• Tell your insurance company of the theft and submit the relevant documents. 
• Once this is done the police will attempt to locate your vehicle. After 6 months, if the vehicle has still not been found, the police will issue a ‘Non-Traceable Report', completing the transfer of the RC of your lost car to the insurance company. A letter of subrogation will also be submitted. 
• Once all relevant documents are received by the insurer, the claim will be settled.

Yes. Car insurance pays for vehicle damage and third-party claims. Life insurance pays a lump sum to your nominee. Ensure your life insurance policy covers accidental death, and your car insurance includes personal accident coverage for comprehensive protection.

Yes. Car insurance pays for vehicle damage and third-party claims. Life insurance pays a lump sum to your nominee. Ensure your life insurance policy covers accidental death, and your car insurance includes personal accident coverage for comprehensive protection.

You should always have your driver’s license and your Registration Certificate (RC) inside your car.

You should always have your driver’s license and your Registration Certificate (RC) inside your car.

Duly filled and signed claim form A copy of your vehicle's RC A copy of your valid Driving Licence A copy of the first 2 pages of your policy document A copy of the FIR The original estimate, invoice, and payment receipt for cash and cashless garage

• Duly filled and signed claim form
• A copy of your vehicle's RC
• A copy of your valid Driving Licence
• A copy of the first 2 pages of your policy document
• A copy of the FIR
• The original estimate, invoice, and payment receipt for cash and cashless garage

Duly filled and signed claim form A copy of the FIR A copy of your valid Driving Licence A copy of the first 2 pages of your policy document A copy of your vehicle's RC

• Duly filled and signed claim form
• A copy of the FIR
• A copy of your valid Driving Licence
• A copy of the first 2 pages of your policy document
• A copy of your vehicle's RC

Yes. Car insurance will cover vehicle damage and third-party liabilities. Term insurance will pay the death benefit. Your nominee must file claims separately with each insurer and submit the required documents, including the FIR, death certificate, and postmortem report.

Yes. Car insurance will cover vehicle damage and third-party liabilities. Term insurance will pay the death benefit. Your nominee must file claims separately with each insurer and submit the required documents, including the FIR, death certificate, and postmortem report.