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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.

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…

Super-Fast claims

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

Cashless Repairs

1400+ 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

24*7 Support

24*7 call facility even on National Holidays

Smartphone-enabled Self Inspection

Just click the damages on your phone and you are done

High IDV per rupee

With us, you can customize your 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 1400+ Garages with Doorstep Pickup & Drop

Claim Process

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

Claim Settlements

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

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

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!

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!