Car Insurance

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.

Engine and Gear-box Protection Cover

Generally, repairs to your engine or gearbox aren't covered unless the damage takes place during an accident. That's why engine and gear-box protection add-on comes in handy, as it covers you against any damages and losses caused to your engine or gearbox in all other situations as well.

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 all situations, regardless of an accident.

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.

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

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.

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

Know more about Car Insurance

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!