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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
Motor insurance, also called auto insurance, is the type of insurance that protects you and your vehicle (car/bike/commercial vehicle) from financial losses and damage like natural calamities, thefts, burglaries, malicious acts and accidents. There are 3 types of motor insurance in India.
Well, there’s no running away from this! As per the Motor Vehicles Act 1988, it is mandatory for all vehicles in India to have at least a Third-party Liability Policy to drive/ride legally. Additionally, if you equally (or more so) care about your vehicle, it is important to have a Comprehensive Policy in place as well.
Here’s why it is important to get a motor insurance policy in India:
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.
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.
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.
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18000+ Cashless Garages for you to choose from across India (for private cars 9000+ garages and for two wheelers 9000+)
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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.
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24*7 call facility even on National Holidays
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.
Car Insurance
Bike Insurance
Commercial Vehicle Insurance
Third-Party
Comprehensive
Own Damage
Third-Party
Comprehensive
Own Damage
|
Damages/Losses to own car due to an accident |
×
|
✔
|
✔
|
|
Damages/Losses to own car in case of fire |
×
|
✔
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✔
|
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Damages/Losses to own car in case of a natural calamity |
×
|
✔
|
✔
|
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
|
Personal Accident Cover |
✔
|
✔
|
×
|
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
|
Theft of your car |
×
|
✔
|
✔
|
|
Customize your IDV |
×
|
✔
|
✔
|
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party insurance
On the Digit app or website, enter vehicle’s registration number and mobile number, and click on ‘View Prices’.
Select the plan, add-ons and IDV, and click on ‘Continue.’
Enter your personal, nominee and vehicle details and click on ‘Pay Now.’
Complete the payment and mandatory KYC verification process.
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
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:
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:
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
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.
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.
It’s the most important aspect of any insurance. Pick a motor insurance company you know will settle claims quickly.
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.
To renew your car insurance or bike insurance with Digit for quick and hassle-free process, follow the given steps:
Login to Digit App or website and go to the ‘My Policy’ section.
Select the motor insurance policy pending for renewal and click on ‘Renew Policy.’
Next, select the IDV, add-ons and confirm the details, then click on ‘Pay Now.’
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
Looking to renew your motor insurance policy with us for the first time? Here are some reasons why you should Digit for vehicle insurance renewal:
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.
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.
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.
To avail yourself of our cashless repair service, you need to go to our network of garages, spread all across the country.
Digit also offers pickup and drop service from your doorstep, for your damaged vehicle in case it can’t be repaired in time.
With Digit you don’t have to worry about day or time; we have got your back.
To download your renewed or already active vehicle insurance policy with Digit, follow the given steps:
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!
Download the Digit app and go to ‘File Motor Claim’ option.
Provide all the required details related to accident and damage.
Enter your personal details and click on ‘Register Claim’ button.
That's it! Your claim has been registered successfully, and you will receive the next steps on your email and WhatsApp.
Before buying or renewing your motor insurance online, it is wise to use the premium calculator so that you can see how choosing different plans with different addons would affect your insurance premium.
Making the right adjustments and checking the final insurance premium will help you decide on the right motor insurance plan for you.
Calculate insurance premium for your vehicle using the car insurance premium calculator or the bike insurance premium calculator.
No two vehicle insurances can be the same. Your insurance premium can differ based on many factors like the kind of policy you choose (Third-Party vs Standard/Comprehensive), the make and model of your vehicle, the market value of your vehicle, the city you live in, the properties of your engine, the purpose of your vehicle (private/commercial), and of course, whether your vehicle runs on petrol, diesel or CNG.
A lower premium price can be tempting for many, but make sure you don’t incorrectly state your IDV or take in only a Third-Party Policy just because you want to save some bucks.
Here are a few other ways that can reduce your premium, without risking yourself or your vehicle:
Auto insurance is connected to the owner of the vehicle and not the vehicle itself. If you’ve had motor insurance before, make sure you transfer your bonus to your new car.
NCB is the No Claimed Bonus you could receive if you haven’t made claims for the term. This then gives you a suitable discount while renewing your vehicle policy online. So, make sure you drive safely and perhaps you can also save on not claiming for the little nitty-gritties and save up for the rainy days!
In any vehicle insurance, a deductible is the amount that will be paid by you while making a claim. So, when you’re opting for your deductible, decide on an amount you can pay comfortably rather than keeping it zero or too little. The higher your deductible, the lower your regular insurance premium. This especially works best if you know you’re a safe driver and have had a track of no claims for a while.
Don't blindly go for insurances that offer a lower premium. While comparing motor insurances online, keep the following in mind:
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.
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!
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.
Finally, pick a vehicle insurance that gives you a fair combination of it all. The right price, services and of course, quick claims!
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.
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.
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.
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.
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.
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-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.
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.
Please try one more time!
Need Help?
Have queries related to Digit motor insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
Connect with our self-serve chat bot support - 7026061234
Write to us at hello@godigit.com
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