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Motor Vehicle Insurance Policy Online
Vehicle insurance or motor insurance is an insurance policy meant for four-wheelers, two wheelers, commercial vehicles and other road vehicles. Motor insurance protects the insured vehicle against the loss or damage caused due to accidents and natural disasters.
So, vehicle insurance is essential for all vehicle owners in India as it allows you to drive worry-free by covering your repair expenses and be legally compliant.
Table of Contents
What is Motor Insurance?
Why Do You Need Motor Insurance in India?
What is the Importance of Motor Insurance?
Here’s why it is important to get a motor insurance policy in India:
- To drive/ride legally
- To financially protect any third party from damage caused by your vehicle in unforeseen situations.
- To protect and cover your vehicle in case of natural calamities, fire, theft and malicious activities.
- To protect yourself from losses caused by external property damage.
- To protect and compensate your family in the case of an accidental death.
Note: Benefits may differ based on the plan you choose. To ensure you're entitled to all the benefits, it’s best to purchase the Comprehensive Plan.
What’s Covered in Digit Motor Insurance?
Accidents
Damages and losses that may arise out of accidents and collisions
Theft
Covers for the losses incurred when your car is unfortunately stolen
Fire
Damages and losses caused to your car due to an accidental fire
Natural Disasters
Damage and losses to your car in case of natural calamities such as floods, cyclones, etc.
Personal Accident
If there is a car accident and unfortunately, it leads to death or disability of the owner
Third Party Losses
In cases where your car causes damage 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 vehicle insurance policy, such as:
Own Damages for Third-Party Policy holder
In the case of a third-party or liability only policy, damage to your 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 Negligence
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 Choose Digit's Motor Insurance?
We treat our customers like VIPs, know how…
Cashless Repairs
20000+ Cashless Garages for you to choose from across India (for private cars 10000+ garages and for two wheelers 10000+)
Smartphone-enabled Self Inspection
Just click the damages on your phone and you are done
Customize your Vehicle IDV
With us, you can customize your vehicle IDV as per your choice!
Super-Fast claims
Paperless claims & hassle-free process.
24*7 Support
24*7 call facility even on National Holidays
Types of Motor Insurance Add-ons Available with Digit
Digit allows you to choose your desired add on covers from the given list:
Zero Depreciation Cover
Zero depreciation add-on ensures that the value of your vehicle remains the same as the day you bought it, as the add-on doesn’t include the cost of depreciation while calculating the claim amount.
Return to Invoice Cover
With return to invoice add-on, you get back the complete amount of your car/bike invoice value in case of theft or damage beyond repair. It also includes the benefit of the cost of registering a new vehicle and its road tax.
Tyre Protect Cover
The tyre protect add-on covers damage to your car's tyres such as tyre bursts, bulges or cuts during all other situations possible.
Breakdown Assistance
Roadside assistance has your back at all times when your car or bike breaks down in the middle of the road. Give Digit a call and they’ll come to the spot and repair your vehicle. If not possible, they will tow your vehicle to the nearest service station.
Consumable Cover
A consumable add-on covers the service costs of your vehicle, such as the new engine oil, missing nut on your engine cover, etc.
Engine and Gear-box Protection Cover
Engine & Gearbox Protection Cover offers financial protection for damage caused to the engine of the vehicle due to water entering the engine to leakage of the lubricating oil.
Daily Conveyance Benefit
With daily conveyance benefit add-on, you get compensated in the form of a daily transport allowance or a standby vehicle for your travelling expenses in case your vehicle is being repaired in a garage.
Key and Lock Protect
The key and lock protect add-on cover helps you repair or replace your key and lock in case you have lost or damaged your vehicle’s keys or lock, or if they are stolen.
Loss to Personal Belongings
Personal belongings provide you with compensation in case the insured or any immediate family member lost any in the insured vehicle.
Pay as You Drive Cover
Pay as You Drive add-on cover offers you discounted premium as with it you only have to pay as per your kilometers covered with the Own Damage cover of the base policy.
EV Shield Add-on Cover
The EV Shield add-on cover for electric vehicles in India is an add-on that specifically covers your electric and hybrid vehicle. It protects EV cars and EV bikes against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and to offer roadside assistance services specific to EVs.
Types of Motor Insurance in India
Car Insurance
A car insurance protects you from denting financial losses and covers you in the case of unfortunate situations such as accidents, fires, natural calamities and other mishaps.
We offer mainly two types of car insurances; one is the Third-Party Policy, that covers only losses against damage caused to third-party vehicles/people/property, and the Comprehensive policy; that covers losses against third-parties and your own damages as well.
The insurance premium of every car is different and depends on factors such as the make and model of the car, fuel, engine type, and previous policies, among other factors.
All car insurance related claims are settled in a jiffy, made easier with our smart phone self-inspection app and zero physical paperwork involved!
Bike Insurance
A bike insurance plays an important role in preventing you from financial losses caused during unforeseen circumstances such as accidents, fires, natural calamities and other mishaps.
We offer two types of bike insurances; one is the Third-Party Policy, that covers only losses against damage caused to third-party vehicles/people/property, and the Comprehensive policy; that covers losses against third-parties and your own damages as well.
Your insurance premium largely depends on your scooter/bike model and registration year.
All two-wheeler insurance-related claims are settled in a jiffy too, made easier with our smartphone self-inspection app and zero physical paperwork involved!
Commercial Vehicle Insurance
Apart from the mandate by law, a motor insurance for commercial vehicles is extremely important, given the risks involved.
A commercial vehicle insurance covers for third-party liabilities, towing vehicles and a personal accident cover for the driver.
Commercial vehicles differ across industries and so do their policies. For more details and customizations, feel free to get in touch with our team at hello@godigit.com
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Vehicle Insurance Plans that Fit Your Needs
Third-Party
Third-party motor insurance protects the insured vehicle against any third-party liabilities caused due to your vehicle. Also, having at least a third-party policy is mandatory by law in India.
Comprehensive
The comprehensive vehicle insurance plan is the most beneficial one as it offers wide coverage, including both third-party liabilities as well as the losses or damages to one's own vehicle in case of accident or mishap.
Own Damage
OD policy covers loss and damage to your own vehicle due to accidents and collisions, natural calamities, fires, and thefts. This type of auto coverage is available only for those who already have a third-party plan.
How to Buy Motor Insurance Policy Online with Digit?
Step 1
On the Digit app or website, enter vehicle’s registration number and mobile number, and click on ‘View Prices’.
Step 2
Select the plan, add-ons and IDV, 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 Vehicle Insurance Online
With Digit Insurance, you can buy auto coverage in just a few steps and that too without a load of documents or paperwork. Just furnish these to get vehicle insurance in a few minutes:
- Vehicle Registration Certificate
- Previous year vehicle insurance policy, if applicable
- Any of these documents for KYC verification - PAN/Aadhar/DL/Voter ID/Form 16/Passport
How to Choose the Right Motor Insurance Policy
Given the number of options available today. It is important to pick an insurance that is simple, reasonable, protects and covers you in all possible situations and most importantly, guarantees to settle claims as soon as possible. After all, that’s the most important part of an insurance!
Here are a few tips that will help you pick the right motor insurance online for your vehicle:
Right Insured Declared Value (IDV)
IDV is the market value of your car. Your premium will depend on this. While looking for the right motor insurance online, make sure your IDV is stated correctly.
Know more about IDV in Bike Insurance & IDV in Car Insurance
Service Benefits
Consider services such as 24x7 Customer Support, Convenient Pick-up and Drop, and Wide Network of Cashless Garages, among others. In times of need, these services matter.Review Add-Ons
While picking the right motor insurance for your vehicle, consider the add-ons available to ensure maximum benefits.
Check the Car Insurance add-ons & Bike Insurance add-ons provided by Digit.
Claim Speed
It’s the most important aspect of any insurance. Pick a motor insurance company you know will settle claims quickly.Best Value
From the right premium and after services to claim settlements and add-ons; pick a motor insurance that conveniently covers everything you think you will need at the best possible value.How to Do Motor Insurance Renewal with Digit?
To renew your car insurance or bike insurance with Digit for quick and hassle-free process, follow the given steps:
Step 1
Login to Digit App or website and go to the ‘My Policy’ section.
Step 2
Select the motor insurance policy pending for renewal and click on ‘Renew Policy.’
Step 3
Next, select the IDV, add-ons and confirm the details, then click on ‘Pay Now.’
Step 4
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
Why Renew Motor Insurance Policy with Digit?
Customizable IDV
A lower IDV can significantly affect the amount you receive at the time of claim, which is why at Digit we believe in transparency by allowing you to customise your IDV as required.Quick and Hassle-Free Claims
Digit's online claim process is the easiest and is completed within a few minutes. With Digit, you can get your claims done easily during times of need.Cashless Repairs
Digit offers the option of cashless repair, which means that you won’t have to spend extra from your pocket at the time of an accident. With cashless repair feature, you can get your claimed repairs done without spending anything extra.Large Network of Garages
To avail yourself of our cashless repair service, you need to go to our network of garages, spread all across the country.Doorstep Pickup & Drop
Digit also offers pickup and drop service from your doorstep, for your damaged vehicle in case it can’t be repaired in time.24x7 Support
With Digit you don’t have to worry about day or time; we have got your back.How to Download Your Motor Insurance Policy on Digit App?
To download your renewed or already active vehicle insurance policy with Digit, follow the given steps:
- Step 1: On the Digit app, go to the ‘My Policies’ tab at the bottom of the screen. You will see all your policies currently active with Digit.
- Step 2: Now select the insurance policy for which you want to download the document. Verify all the details and click on ‘Download Policy’. Your car insurance policy document will be downloaded.
How to File a Motor Insurance Claim with Digit App?
After you buy or renew our bike/car/commercial vehicle insurance plan, you can file a claim with us in a hassle-free and quick 4-step completely digital claims process!
Step 1
Download the Digit app and go to ‘File Motor Claim’ option.
Step 2
Provide all the required details related to accident and damage.
Step 3
Enter your personal details and click on ‘Register Claim’ button.
Step 4
That's it! Your claim has been registered successfully, and you will receive the next steps on your email and WhatsApp.
What are the Factors that Decide Your Insurance Premium?
Tips to Compare Motor Insurance Quotes
Service Benefits
Great services really matter in times of trouble. Make sure to evaluate services each insurance company is offering and make a sound choice accordingly. Some of the services Digit offers are Doorstep Pickup, Repair & Drop with 6 months Warranty, 24*7 Customer Care Support, Cashless at 1000+ Garages etc.Quick Claim Settlement
The whole point of insurance is to get your claims settled! So make sure you pick an insurance company that will guarantee quick claim settlements. 90.4% of Digit’s claims are settled within 30 days! Additionally, we have a zero hardcopy policy, which means we only ask for soft copies. Everything is paperless, online, quick and hassle-free!Check Your IDV
A lot of insurance quotes online will have a low IDV (Insured Declared Value), i.e. the market value of your vehicle. While the IDV affects your premium, it also makes sure you get the right claim at the time of a settlement. The last thing you want during a theft or damage is to find out your IDV was low/at the wrong value! At Digit, we give you the option to set your IDV while buying your motor insurance policy online.Best Value
Finally, pick a vehicle insurance that gives you a fair combination of it all. The right price, services and of course, quick claims!Motor Insurance Terminologies You Need to Know
Insured Declared Value (IDV)
A vital part of motor insurance, an IDV is the Insured Declared Value of your vehicle, that will be paid out to you in case of a mishap.
It is determined based on the market value (including depreciation) of your vehicle and directly affects your premium. Since a vehicle depreciates with time, directly affecting the IDV, your premium too will reduce based on the same.
No Claim Bonus (NCB)
NCB is the No Claimed Bonus that you receive when you haven’t made any claims for the policy term, i.e. you’ve been a safe driver and therefore, your premium at renewal will be discounted by your insurer.
Know more about NCB in Bike Insurance & NCB in Car Insurance.
Zero Depreciation
Like everything in life, your vehicle parts also undergo depreciation which leads to a decrease in their value over time, this is when Bumper to Bumper or Zero Depreciation Cover in Motor Insurance helps you.Third Party
A third party in motor insurance refers to anyone other than the policyholder who may be affected by the insured vehicle. Third-party insurance plan covers these liabilities for damages or injuries caused by the insured vehicle.Compulsory Deductible
It is a fixed amount set by the insurer you must pay out of your pocket before the insurance company pays for any covered losses. A higher deductible means lower premium and vice versa.Voluntarily Deductible
As the name suggests, it is an additional amount that you choose to pay in addition to the compulsory deductible. Choosing a higher voluntary deductible can lower the insurance premium.Add-on
Add-ons in insurance are additional coverages that can be purchased along with standard insurance plan, to enhance the coverage. For example, zero depreciation, engine protection, roadside assistance, etc. They can be bought at an additional premium cost.Cashless Claim in Motor Insurance
If you opt to get your vehicle repaired with a Digit Authorized Repair Center, we will make the payment for the approved claim amount directly to the Repair Center. This is called a Cashless Claim feature.
However, if there are any deductibles, like a Compulsory Excess/ Deductible or any repair charges for which your insurance doesn’t cover you or any depreciation costs, that amount needs to be paid by the policyholder.
So, with this add-on cover, when your vehicle gets damaged in an accident you get the full cost of replacement at the time of claim, without deducting the cost of depreciation.
FAQs about Motor Vehicle Insurance in India
What does motor insurance cover?
What is the period for motor insurance policy?
Who can buy a motor insurance policy in India?
Is it mandatory to get vehicle insurance in India?
What are the different types of vehicle insurance plans available?
What if I do not have a motor insurance policy?
How is motor insurance premium calculated?
How do I check the details of my vehicle insurance policy?
Do I need a motor insurance policy for my car if I use it rarely?
Can I switch to a different insurer or even a different insurance plan?
What are the benefits of buying motor insurance online?
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