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Car Insurance
Car insurance in India is a legally required policy that protects you from third‑party liabilities and shields your car against accidents, theft, natural calamities, and repair costs. Digit makes car insurance simple, smart, and fully compliant with Indian motor laws.
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It protects you financially against accidents, theft, natural disasters, and third‑party liabilities, while offering practical benefits like 10000+ cashless garages, roadside assistance, No Claim Bonus, and 13+ useful add‑ons. Whether it’s a small scratch or major damage, add‑ons such as Zero Depreciation, Engine Protection, and Roadside Assistance help reduce out‑of‑pocket expenses. With 1.5 crore+ policies sold and ₹5,100+ crore paid in claims, Digit ensures help is always available when you need it.
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Content Writer
Athira Susan James brings a thoughtful approach to communication and storytelling, shaping content with clarity and intent. She is known for her interest in user experience and the ways people interact with digital platforms. Her writing blends creativity with an eye for subtle details.
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Product Head - Motor
Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.
What is Car Insurance?
Car insurance is a vehicle insurance policy that protects your car against financial losses caused by accidents, theft, fire, natural disasters, and third-party liabilities. In India, having at least third-party car insurance is legally mandatory for every car owner.
A car insurance policy can help cover the cost of repairing or replacing your car in case of damage. It also protects you against legal and financial liabilities if your car causes injury, death, or property damage to a third party.
A Comprehensive Car Insurance Policy offers wider protection because it combines own damage cover and third-party liability cover. You can also enhance it with add-ons such as Zero Depreciation, Engine & Gearbox Protection, Roadside Assistance, Return to Invoice, Pay As You Drive, and EV Shield.
Is Car Insurance Mandatory in India?
Yes, car insurance is mandatory in India. Under the Motor Vehicles Act, 1988, every car owner must have at least a valid third-party car insurance policy to legally drive on public roads. Third-party insurance covers your legal and financial liability if your car causes injury, death, or property damage to another person. However, it does not cover damage to your own car. For broader protection, you can choose Comprehensive Car Insurance, which covers both third-party liability and own damage to your insured vehicle. Driving without valid car insurance can lead to penalties and legal consequences. Apart from legal compliance, having car insurance is important because car repairs, accident-related expenses, flood damage, theft, and third-party liabilities can create a significant financial burden.
Key Features of Digit Car Insurance Policy
Car insurance policies in India are designed to provide complete financial and legal protection to vehicle owners. The main features include:
Protection for Your Own Car
Comprehensive car insurance covers damages to your own vehicle arising from accidents, theft, natural calamities (floods, cyclones), and fire.
Coverage for Third-party Losses
Protects you against financial and legal liabilities if your car causes damage to another person’s property, vehicle, or results in injury/death.
Add-On Covers for Extra Safety
Policyholders can enhance coverage by opting for add-ons such as zero depreciation cover, engine protection, consumables cover, roadside assistance, or pay-as-you-drive cover.
Earn No Claim Bonus (NCB)
Safe drivers are rewarded with premium discounts of up to 50% for each consecutive claim-free year.
Cashless Repairs at Network Garages
Most insurers, including Digit, offer access to thousands of partner garages across India where you can avail cashless repairs without upfront payments in case of claims.
Personal Accident Cover for Owner-Driver
Personal Accident Cover for the owner-driver ensures compensation in case of accidental death or disability while driving.
Roadside Assistance (RSA) Benefits
Offers on the spot help for breakdowns, including towing, flat tyre support, fuel delivery, battery jump start, and others as per your policy schedule.
Fast Claim Process
File and track claims through the Digit App with self-inspection and real-time claim updates.
Online Policy Management
Download policy documents, renew policies, update details, and manage claims online with Digit app.
These features collectively make car insurance not just a legal formality, but also an essential financial safeguard for every vehicle owner.
Different Types of Car Insurance Policies in India
1. Comprehensive Car Insurance
A comprehensive car insurance policy is the most extensive form of coverage available for Indian car owners. It protects your vehicle against accidental damage, theft, fire, natural events like floods or storms, and human‑caused incidents such as vandalism or riots, while also covering third‑party liabilities.
Comprehensive car insurance also includes own‑damage protection and third‑party coverage into a single policy, making it a complete safety net for your car.
With the added option to include useful add‑ons like zero depreciation, engine protection, and roadside assistance, it offers one of the most flexible and well‑rounded insurance solutions for those who want maximum protection.
Best Suited For: New cars, high-value cars, frequent drivers, city drivers, highway users, and people who want wider financial protection.
2. Own Damage (OD) / Standalone OD Car Insurance
A standalone own‑damage car insurance policy focuses solely on covering damage to your own vehicle. It safeguards your car against accidents, theft, fires, natural calamities, and other unexpected events that may harm your vehicle.
However, it does not include any third‑party liability coverage, which must be purchased separately to comply with the law.
An own damage policy can be particularly helpful for car owners who already have a long‑term third‑party plan in place and want additional security for their vehicle. It ensures financial protection for your own car while giving you the flexibility to customise coverage based on your needs.
Best suited for: Legal compliance, old cars with low market value, rarely used vehicles, or car owners looking for basic mandatory coverage.
3. Third‑Party Car Insurance
Third‑party car insurance is the legally mandatory minimum coverage required for all vehicle owners in India. It provides financial protection if your car causes injury, death, or property damage to someone else.
Third-party car insurance does not offer any coverage for damage to your own vehicle or theft, and personal accident cover must be purchased separately if needed. It is ideal for meeting legal obligations at a lower cost, especially for older or rarely used vehicles where extensive protection may not be necessary.
Best suited for: Car owners who already have third-party insurance and want protection against own vehicle damage.
What are the Different Types of Car Insurance Plans Offered by Digit?
Third-Party Plan
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.
Comprehensive Plan
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.
Own Damage Plan
An Own Damage Car Insurance is for yourself it covers loss and damage only to your own car in case of accidents and collisions, natural calamities, fires, and thefts.
Coverages of Third Party Vs Comprehensive Vs Own Damage Car Insurance Plan
Third-Party
Comprehensive
Own Damage
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Damages/Losses to own car due to an accident |
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✔
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✔
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Damages/Losses to own car in case of fire |
×
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✔
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✔
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Damages/Losses to own car in case of a natural calamity |
×
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✔
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✔
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Damages to Third-Party Vehicle |
✔
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✔
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×
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Damages to Third-Party Property |
✔
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✔
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×
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Personal Accident Cover |
✔
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✔
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×
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Injuries/Death of a Third-Party Person |
✔
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✔
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×
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Theft of your car |
×
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✔
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✔
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Customize your IDV |
×
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✔
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✔
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Extra protection with customized add-ons |
×
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Know more about the difference between comprehensive and third party insurance
Which Car Insurance Policy is Right for Me?
Whether you own a new car or an older vehicle, these three questions can help you choose the right type of car insurance coverage.
1. Is your car new or old?
New (0–5 years): Go for Comprehensive Insurance
Older (5+ years): Consider Third-party or OD + Third-party combo
2. Do you want full protection or just legal compliance?
Full protection (own car + others): Comprehensive Insurance
Only legal minimum: Third-party Insurance
3. How often do you drive?
Daily use / long commutes: Comprehensive Insurance
Occasional use: Standalone OD + Third-party or just Third-party
What’s Covered in Digit Car Insurance Policy?
Digit Car Insurance provides protection under Comprehensive, Own Damage, Third-party Liability, and Personal Accident Cover, ensuring your car stays financially protected in a wide range of situations. Here’s a clear breakdown of what each coverage includes:
Accidental Damage to Your Car
Digit covers damages resulting from road accidents and collisions, whether it’s a small dent or major structural damage. Insurance helps you manage repair expenses so your car can be restored without putting unnecessary financial strain on you.
Coverage for Third-party Injuries or Property Damage
If your vehicle causes injury, damage, or loss to another person, their property, or their vehicle, Digit covers your legal and financial liabilities. This protects you from expenses arising out of third-party claims following an accident involving your car.
Protection Against Vehicle Theft
If your car is stolen and cannot be recovered, Digit compensates you for the loss based on your policy terms. This coverage ensures you aren’t left dealing with the heavy financial impact of losing your vehicle to theft.
Coverage for Fire Related Damage
Digit also protects your car against damage caused by accidental fires or explosions. Whether the fire results from an electrical failure or an unforeseen incident, the policy helps you cover the resulting loss.
Protection Against Damage Caused by Natural Disasters
Digit Car Insurance provides coverage for damage caused by natural calamities such as floods, cyclones, earthquakes, and other environmental hazards. This protection is especially valuable in regions prone to extreme or unpredictable weather conditions.
Personal Accident Cover for Financial Protection of the Owner-driver
In situations where the owner-driver suffers death or permanent disability due to an accident, Digit provides financial compensation under the Personal Accident Cover. This benefit is applicable only if this cover has been selected at the time of buying or renewing your policy.
What’s Not Covered Under Digit Car Insurance?
While Digit Car Insurance provides wide‑ranging protection, certain situations fall outside the scope of coverage. Here’s a clear look at what is excluded:
Own Damages for Third‑Party Policy Holders
If you hold only a Third‑Party or Liability‑Only policy, any damage to your own vehicle is not covered. This type of plan is designed solely to protect against third‑party liabilities and does not include repairs for your car.
Drunk Driving or Driving Without a Licence
If the driver was under the influence of alcohol or drugs or was driving without a valid driving licence at the time of the incident, the claim will be rejected. These are legal violations and are not covered under the policy.
Driving Without a Valid Licence Holder (Learner’s Licence)
If you were driving with a learner’s licence without a qualified licence holder seated beside you in the front passenger seat, any resulting damage or loss will not be covered. This is considered a breach of lawful driving requirements.
Consequential Damages
Damages that occur as a result of improper handling after an accident are excluded. For instance, if your car had an accident and you continued driving it, leading to engine failure or additional issues, such consequential losses will not be covered.
Contributory Negligence
If the loss occurs due to your own avoidable actions such as driving through deep water despite warnings, Digit will not cover the resulting damage. Claims caused by negligence or misuse are excluded.
Add-Ons Not Bought
Certain protections apply only if you have purchased the corresponding add‑ons. For example, engine protection or zero‑depreciation benefits are not included unless those add‑ons were selected when buying the policy.
Car Insurance Add‑ons Available with Digit Car Insurance
Digit offers a range of addons that enhance your base policy. Here they are arranged from the most important and widely useful to situational but valuable, so you can easily decide what matters most for your car.
Zero Depreciation Cover
One of the most important add‑ons for most car owners, Zero Depreciation Car Insurance ensures you don’t lose money due to part depreciation during claims. This allows you to receive the full repair amount without deductions, making it essential for new cars and highly recommended for cars under five years old.
Return to Invoice Cover
Highly important for brand‑new cars, this Return to Invoice Cover for Car helps you recover the full invoice amount, including the original price, registration costs, and road tax—in cases of total loss or theft. It prevents depreciation from reducing your payout and ensures complete financial recovery.
Engine and Gearbox Protection Cover
Since your engine and gearbox are the most expensive components of your car, the Engine and Gear Protection Cover for Car provides crucial protection. It covers damages caused by water entry, oil leakage, and other consequential failures that standard policies don't cover. It is especially important if you live in a flood‑prone area or frequently deal with waterlogged roads.
Pay As You Drive (PAYD) Cover
Ideal for low‑mileage users, Pay As You Drive Cover for Car helps you save premiums by choosing an annual kilometer limit. If you're driving is minimal, such as city-only usage or rare long trips, this add‑on becomes highly beneficial since you only pay for how much you actually drive.
Breakdown Assistance
Useful for all types of drivers, Breakdown Assistance for Car ensures you get immediate help during emergencies like flat tyres, engine issues, or battery failure. Since using this service doesn’t count as a claim, it helps protect your No Claim Bonus while keeping you safe on the road.
Tyre Protect Cover
Perfect for people who regularly drive on bad roads, highways, or uneven terrain. The Tyre Protect in Car Insurance addon covers nonaccidental tyre damage such as bursts, cuts, or bulges. It is extremely valuable if your daily commute involves potholes or rough surfaces.
EV Shield Add-on Cover
A must‑have for electric vehicle owners; this add‑on protects EV‑specific components like the electrical panel, chargers, and charging cables. EV Shield Cover for Car also includes EV‑tailored roadside assistance, offering specialised support that standard policies don’t cover.
NCB Protector Cover
The NCB Protector Cover for Car helps you retain your No Claim Bonus even if you make a claim during the policy year. It is useful if you want to maintain lower premiums long‑term while still having the flexibility to make minor claims without losing benefits.
Preferred Garage Discount Add-on
The Preferred Garage Discount Add-on rewards you for choosing to repair your car at a Digit preferred workshop. If you opt for this cover, you can either receive a discount on your Own Damage premium or get your compulsory deductible waived depending on the option selected in your policy.
Accidental Hospitalisation Cover
This addon covers medical expenses if you or any covered passenger is injured in an accident while traveling in the insured car. It pays for hospitalization costs along with daycare procedures and emergency ambulance transport as per your policy. This benefit applies only when the injury is directly linked to an accident involving your insured vehicle.
Daily Hospital Cash Cover
Provides a fixed daily cash allowance for every 24 hours of accident related hospitalization for you or covered passengers, with double the amount paid for each full day spent in the ICU as per your policy schedule. The benefit is available for the maximum number of days chosen in your policy.
Good Driver Benefit
This addon rewards safe and responsible driving habits by offering either a premium discount or an IDV boost of up to 15%, based on factors like low vehicle usage, clean traffic records, proper car care, long-term relationship with Digit, and policy issuance through the Digit App. The benefit is applied as per the option chosen in your policy schedule.
Advantage Plus Add-on
This addon rewards you for repairing your car at a Digit Preferred Garage after an accident. By choosing a preferred garage and notifying Digit first, you get an array of benefits and assured delivery timelines. These benefits apply only when repairs are done at a Digit Preferred Garage as per the plan mentioned in your policy.
Which Car Insurance Add-ons Should You Buy?
Below we have listed best add-ons by car owner type:
Why Choose Digit Pay‑As‑You‑Drive Add‑On with Your Car Insurance?
The Pay‑As‑You‑Drive (PAYD) add‑on is perfect for drivers who use their car occasionally, own a second vehicle, or mostly travel short distances. Instead of paying a flat premium, you simply pick a yearly kilometre, and your premium is calculated based on how much you actually drive. And if you ever cross your chosen limit, you can top up extra kilometres anytime without affecting your coverage.
PAYD gives you fair, usage‑based pricing and helps you avoid paying for kilometres you never drive. So, if you’re someone who mostly drives on weekends or averages around 8, 000 km a year, choosing the 10, 000 km slab can significantly lower your premium. Even long road trips aren’t a problem; you just add more kilometres whenever needed, with no impact on claims or policy continuity.
Buying your car insurance online with the PAYD add‑on makes your coverage more personalised, cost‑efficient, and lifestyle‑friendly, letting you pay only for what you use while enjoying full protection.
How to Select the Right Four-Wheeler Insurance Policy Coverage?
Selecting the right car insurance online involves understanding the nuances of policy coverage. It’s essential to assess factors like Compulsory/Voluntary deductibles, coverage limits, and exclusions to ensure the policy coverage aligns with your specific needs and provides adequate protection. Selection of right addons to cater the related risks is another essential factor to access.
Mayur Kacholiya
Product Head
Why Choose Digit for your Car Insurance Policy?
Digit Car Insurance is designed to give you more than basic protection. With a digital‑first approach, quick processes, and customer‑friendly features, Digit has become a preferred choice for many car owners across India.
1. Trusted by 1 Crore+ Car Owners Across India
Digit has earned the trust of 1 Crore+ customers across India through consistent reliability and transparent service. With 1.5 crore+ policies sold and 1 Crore+ cars insured, Digit continues to be one of the fastest-growing insurance providers in the country. Our strong record of 12.5 lacs+ claims settled and ₹5100 crore+ paid in claims reflects our commitment to being there when customers need us the most.
2. 100% Digital Experience Through Digit App
Digit makes your entire insurance journey smooth and effortless. You can buy or renew your policy instantly and manage everything through the Digit App from downloading documents and updating details to filing claims, uploading self‑inspection photos, and tracking claim status in real time. With a fully digital, paper‑free process, you get complete transparency and control at every step.
3. Customisable Protection With 13+ Add-Ons
Digit lets you personalise your policy with 13+ add-ons like Zero Depreciation, Engine & Gearbox Protect, Return to Invoice, Tyre Protect, Roadside Assistance, Consumables Cover, and many others.
4. Quick Claims & Cashless Repairs at 10000+ Garages
Digit offers fast claim approvals through digital self-inspection and minimal paperwork. With 10000+ cashless garages across India, you get smooth, worry‑free repairs without paying anything upfront.
5. 24×7 Customer Support
Digit offers round‑the‑clock customer service, including weekends and holidays. Whether it’s claim assistance, policy queries, or help during an emergency, support is always available whenever you need it.
6. Easy One Tap Renewal
Renewing your policy is simple with Digit. You get timely reminders and can renew your coverage instantly through the app while keeping your No Claim Bonus intact.
7. Save More With the PAYD Add‑On
With Digit’s Pay As You Drive (PAYD) addon, you can save up to 90% on your premium based on how much you drive, perfect for low mileage users.
8. Complimentary Wellness Benefits for Extra Value
Digit enhances your policy with complimentary wellness benefits through its trusted health and wellness partners, giving you added value beyond car insurance coverage.
What our Car Insurance customers have to say About Us
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What’s the Difference Between Comprehensive, Own Damage, and Third-Party Car Insurance?
Third party and comprehensive insurance differ from each other regarding their purpose and coverage. Read the difference between third party insurance and comprehensive insurance:
How to Choose the Right Car Insurance Policy?
Here is how you can choose the best policy type based that best fits your needs:
1. Select the Right Type of Coverage
Choose between Third‑Party, Own Damage, or Comprehensive Insurance. Comprehensive is ideal for most drivers as it protects against accidents, theft, natural disasters, and more - all in one plan.
2. Factor in Your Car’s Age & Usage for Add-ons
Your car’s age and how often you drive determine the kind of protection you need. Newer cars benefit from stronger coverage, so add-ons like Zero Depreciation, Engine & Gear Protection, and Return to Invoice are more suitable. If you drive less frequently, mileage‑based options like Pay‑As‑You‑Drive help you keep premiums more cost‑effective.
3. Set the Right IDV (Insured Declared Value)
Choose an IDV that reflects your car’s true value. A correct IDV ensures fair payout in case of total loss or theft while avoiding unnecessarily high premiums.
4. Prioritise Claim Convenience
A good policy should offer easy digital claim filing and real‑time tracking via app, plus wide cashless garage access for quick repairs. This ensures fast resolution without paperwork or delays.
5. Check the Cashless Garage Network
A wide cashless garage network helps you get repairs done with less upfront payment for eligible claims.
6. Review Exclusions & Deductibles Clearly
Always check what the policy doesn’t cover and understand deductibles. Clarity here prevents surprises during claims.
7. Balance Budget with Essential Protection
Cheapest isn’t always the best. Pick a plan that fits your budget but still includes essential protection, ensuring long‑term peace of mind.
8. Don’t Choose Only the Cheapest Premium
The cheapest policy may not always offer the right protection. Compare coverage, add-ons, exclusions, claim support, garage network, and service experience before buying.
What Factors Affect Car Insurance Premium?
Car insurance premium is not fixed, it is calculated based on a mix of vehicle-related, driver-related, and policy-specific factors. These determine the level of risk and the cost of providing coverage. Here are the key factors that influence your premium:
Insured Declared Value (IDV)
IDV is the current market value of your car and directly impacts your premium. A higher IDV increases the premium but also ensures a higher claim payout, while a lower IDV reduces premium but limits coverage.
Type of Coverage Chosen
A basic third-party policy has the lowest premium, as it only covers legal liabilities. A comprehensive policy costs more since it includes own damage protection along with third-party cover.
Add-ons Selected
Add-ons like Zero Depreciation, Engine Protection, and Roadside Assistance increase the premium but provide better protection in specific scenarios. The more add-ons you choose, the higher the cost.
Age and Model of the Car
New and high-value cars generally have higher premiums due to higher repair or replacement costs. Premium reduces as the car ages, since its market value depreciates.
Location of Registration (RTO)
Cars registered in metro cities or high-traffic zones usually have higher premiums due to greater risk of accidents, theft, and claims.
Driving History and No Claim Bonus (NCB)
A claim-free record helps you earn a No Claim Bonus, which reduces your premium over time. Frequent claims can increase renewal premiums.
Engine Capacity and Fuel Type
Cars with higher engine capacity (cc) typically have higher premiums. Fuel type (petrol, diesel, electric) can also influence risk and cost calculations.
Deductibles Chosen
Opting for a higher voluntary deductible lowers your premium, as you agree to bear a larger portion of the claim amount yourself.
Usage
With PAYD, lower usage may help reduce premium based on selected kilometre slab.
How Car Insurance Premium is Calculated?
Here is a simplified example to understand how car insurance premium can be calculated:
Disclaimer: This is an illustrative example only. Actual premium may vary based on car model, RTO, IDV, fuel type, policy type, add-ons, discounts, underwriting rules, taxes, and applicable regulatory rates.
Third‑Party Premium for Cars
Unlike Comprehensive car insurance, the premium for a third‑party (TP) car insurance policy is predefined by the IRDAI. The applicable third‑party premium primarily depends on the engine capacity (cc) of the vehicle. Below are the third‑party insurance rates for petrol and diesel cars.
Disclaimer: The third-party car insurance premium rates mentioned above are based on the latest rates prescribed by the Insurance Regulatory and Development Authority of India (IRDAI) and are subject to change from time to time. The premium payable may vary depending on regulatory revisions, vehicle specifications, and applicable taxes.
How to Buy/Renew Car Insurance Policy Online with Digit?
Switch to Digit
Existing Digit Policy
Enter Car Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of car insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
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 Car Insurance Online
While buying a new car insurance policy online from Digit, you don’t need a load of documents or paperwork. By having the following documents handy, you can easily buy a new car insurance policy within minutes:
Car Registration Certificate
×
Vehicle RC is an official document issued by the Regional Transport Office (RTO) that proves your vehicle is legally registered under the Motor Vehicles Act.
Previous year car insurance policy
×
A Previous Year Car Insurance Policy refers to the car insurance coverage you had for the previous policy term, typically valid for one year. It includes details like:
- Policy Number: Unique ID of your old insurance plan.
- Coverage Type: Whether it was third-party or comprehensive.
- Insurer Details: The company that provided the coverage.
- Policy Expiry Date: The date the previous insurance lapsed.
- No Claim Bonus (NCB): A discount earned if no claims were made.
Aadhaar Card
×
An Aadhaar Card is a unique identification document issued by the Unique Identification Authority of India (UIDAI). It serves as proof of identity and address for Indian residents. The card is linked to a 12-digit Aadhaar number, which is used for various government and financial services.
When is the right time to renew car insurance?
The ideal time to renew your car insurance is at least 7-10 days before the policy expiry date. This ensures uninterrupted coverage and avoids any legal or financial risks of driving uninsured. Delaying renewal can lead to policy lapse, which may result in higher premiums, loss of accumulated No Claim Bonus (NCB), and the need for vehicle inspection before reactivation.
Mayur Kacholiya
Product Head
What Happens When Your Car Insurance Policy Expires?
An expired car insurance policy does not always seem immediately concerning, but its impact becomes evident when an unexpected situation arises. Without active coverage, even routine incidents on the road can lead to avoidable financial and legal complications.
1. Loss of financial protection
Once your policy expires, you’re no longer covered for any damages, accidents, or theft. This means even minor repairs or third-party liabilities will have to be paid entirely out of your pocket.
2. Illegal to Drive
In India, at least third-party insurance is mandatory for all vehicles. Driving without valid insurance can lead to fines, penalties, or legal consequences if you’re caught.
3. No Claim Bonus (NCB) at risk
Your accumulated NCB stays valid only for a limited period after expiry. If you don’t renew within 90 days, you lose this benefit and your future premium may increase.
4. Inspection Before Renewal
If there’s a break in policy, insurers may ask for a vehicle inspection before renewing. This can delay activation and may impact your premium depending on the car’s condition.
5. Higher Premium Rates
A lapse in insurance can make insurers view you as a higher risk. Over time, this may result in slightly higher premiums or fewer discounts.
If my car isn’t being used at all and the insurance policy has already expired, is it still necessary to renew it?
If your car isn’t currently in use, it may seem harmless to let the insurance lapse but renewing an expired car insurance policy is still important. Even an unused vehicle is exposed to risks, and keeping it insured helps you stay compliant, protected, and financially safe. Here are a few reasons why timely renewal matters.
How to Download Your Digit Car Insurance Policy?
To download your renewed or already active car insurance policy with Digit, follow the given steps:
Login to Your Account
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
How to File Digit Car Insurance Claim & Track Real-time Status?
File a Claim
Track Claim Status
Select the Policy
Open the Digit App and go to the "File Motor Claim" option. Select the policy for which you want to file a claim and proceed.
Enter Complete Details
Enter details about the accident, damages to your vehicle, your vehicle location and your contact information. Once all information is complete, click on Register Claim.
Claim Registered
That's it. Your claim is registered and a claim number is generated. Now, upload the required documents, select the garage and confirm your selection. Our team will call you to update about the next steps.
What is Digit's Cashless Network Garages?
Digit’s cashless network garages are authorised service centres where you can get your car repaired without paying upfront for covered damages. Instead of you settling the full repair bill, Digit directly coordinates and pays the garage for eligible claim expenses as per your policy.
Eg: If your car is damaged and you choose a network garage, Digit arranges an inspection, approves the repair estimate, and settles the claim directly with the garage. You only need to pay for deductibles, depreciation (if applicable), or non-covered parts.
Digit's Cashless Garages
Get cashless repairs at 10000+ garages across India
How to Avoid Car Insurance Claim Rejections?
You can prevent most car insurance claim rejections by paying close attention to a few simple but important steps. Here’s how to ensure your claim is processed smoothly:
Things to Keep in Mind When Buying a Car Insurance Policy?
Here’s what you should look for to pick the right car insurance for your car:
1. Choose an Insurer with a Simple and Quick Buying Process
A good car insurance experience begins at the purchase stage. Look for an insurer that allows you to compare plans, customise coverage, upload details, and complete the entire buying process online within minutes. Digit’s digital-first model helps you buy a policy without paperwork, long queues, or delays, making the process effortless and fast
2. Customisable IDV & Transparent Pricing
Your IDV influences both your premium and payout during total loss or theft. Choose an insurer like Digit that offers IDV flexibility along with clear pricing so you know exactly what you’re paying for.
3. Check for Extra Service Benefits & Easy Modifications
Beyond basic coverage, look for conveniences like digital documents, instant endorsements, seamless KYC, quick address/mobile updates, and online profile changes. Strong self-service options put you in control without waiting for support.
4. Understand How Smooth the Claim Process Is
A hassle-free claim experience is critical during stressful situations like accidents or breakdowns. Choose an insurer that offers online claim filing, app-based self-inspection, quick approvals, and clear communication. Digit’s smartphone-enabled claim process reduces paperwork and speeds up assessment, ensuring claims are handled faster and more conveniently.
5. Review the Insurer’s Claim Settlement Record & Turnaround Time
A reliable insurer should have a strong claim settlement ratio and a reputation for settling claims quickly and fairly. Checking reviews, customer experiences, and the insurer’s overall track record gives you confidence that your claims will be processed smoothly when you need to support the most.
6. Look for Strong and Responsive Customer Support
Customer support becomes essential during emergencies. Choose an insurer that offers 24x7 assistance through multiple channels like call, chat, or email. Digit provides accessible support so customers can quickly find help with claims, policy changes, documents, or urgent queries at any time.
7. Assess the Add‑Ons That Suit Your Driving Needs
The right add-ons enhance your policy based on how you use your car. Zero Depreciation, Engine and Gearbox Protection, Return to Invoice, Pay‑As‑You‑Drive, Consumables Cover, and Roadside Assistance are some options that can significantly strengthen your policy. Digit allows you to personalise your cover with relevant add-ons for your lifestyle.
8. Check the Network of Cashless Garages
A wide network of trusted garages ensures faster repairs and minimal hassle. It also enables cashless service so you don’t have to pay upfront. Digit has a large network of partner garages with over 10000+ garages, giving customers access to reliable service centres across the country.
9. Look for a Fully Digital, End‑to‑End Insurance Experience
From buying to managing claims, a fully digital process saves time and eliminates paperwork. Digit’s digital ecosystem allows customers to track claims, download documents, submit inspections, and manage policy activities online without any physical interaction.
What is Insured Declared Value in Car Insurance?
Insure Declared Value is the maximum amount your insurer will pay if your car is stolen or totally damaged. It reflects the current market value of your car after depreciation. Your insurance premium is directly linked to your IDV.
A higher Insured Declared Value in Car Insurance means a higher premium, and as your car ages, both IDV and premium decrease. While a low premium may seem attractive, it could mean a lower IDV—and lower compensation in case of total loss.
Why Buying Car Insurance Online is more Efficient?
Think about how your daily life has changed; you no longer stand in queues to pay bills or walk to a shop to recharge your phone. Everything happens online now, quickly and effortlessly. The same convenience has transformed the way you buy car insurance too.
You no longer need to visit an agent, depend on a dealer, or deal with long, tiring paperwork. Buying car insurance online is faster, simpler, and far more transparent.
With Digit, the entire process takes only a few minutes. Just enter your basic car details, make the payment, and your policy is delivered straight to your inbox, no waiting, no hassle.
Popular Car Brands Covered Under Digit Car Insurance
Also explore more car insurance for brands on, Car Insurance for Popular Brands in India
Popular Car Models Covered Under Digit Car Insurance
FAQs About Car Insurance Policy in India
If my car has a small dent or scratch, should I raise an insurance claim?
For minor cosmetic repairs, raising a claim may not be ideal because it can reduce your No Claim Bonus during renewal. In such cases, many customers choose to compare the repair cost with their expected NCB savings and handle small fixes outofpocket. Claims are usually best reserved for significant or safetyrelated damage where the repair expense is substantially higher.
Does comprehensive car insurance cover damages that happen while my car is parked?
Yes, accidental damages to a parked car such as dents from falling objects, scrapes from unknown vehicles, or stormrelated damage are covered under comprehensive insurance. If you insured with Digit, you can report such incidents quickly using our digital selfinspection process, based on your policy details we will process your claim.
What happens if my car breaks down after driving through waterlogged roads?
Water exposure often causes external damage, which is covered, but engine damage from water ingress is usually excluded unless you’ve opted for an Engine Protection addon. Digit offers Engine & Gear Protection addon that is designed specifically for situations like flooding and helps cover hydrostatic lock and related issues, which are otherwise expensive to repair.
Is my car still insured if someone else is driving it?
Yes, your car remains insured as long as the driver holds a valid licence. Insurance is tied to the vehicle, not only the owner.
Are damages caused by animals covered?
Yes, accidental damage caused by animals is covered if you have a comprehensive policy. These situations are quite common, especially in certain urban or semiurban areas.
Do I need a new policy if I move to another city or state?
No, your policy remains valid nationwide. You just need to update your address. For example, if you move cities, Digit allows address updates through a simple digital endorsement without paperwork.
Can I get insurance for a very old car (10–15 years old)?
Yes, older cars can still be insured, although the Insured Declared Value (IDV) decreases significantly as the vehicle ages. Some addons may not be available for older vehicles, but you can still choose between basic thirdparty or comprehensive protection depending on your car’s condition.
Should I renew my insurance even if my car isn’t being used for months?
Yes, even unused cars face risks such as theft, fire, falling debris, or rodent damage. Renewing the policy prevents any coverage gaps and keeps your NCB from expiring. Many people who garage their cars longterm can use the Digit App to get reminders and digital renewal process for convenience.
Are electric car insurance premiums higher than fuelbased vehicles?
Yes, EV insurance can be slightly higher due to the cost of batteries and specialised components. However, because EVs have fewer moving parts, certain repairs cost less. We also offer EVspecific protection, including our EV Shield, which covers chargers and electrical components.
How do I transfer a car insurance policy after buying a second-hand vehicle?
You must initiate the policy transfer within 14 days of purchase. During that period, only thirdparty liability remains active for you. Policy transfers usually require the RC copy, buyer-seller documents, and an endorsement.
Can I add more addons after the policy has already started?
Yes, you can add many addons midterm through a policy endorsement. Some, like Zero Depreciation or Engine Protection, may require a vehicle inspection before activation. Our endorsement process is designed to be quick and digital.
Does the policy cover aftermarket accessories automatically?
No, aftermarket accessories like upgraded speakers, alloy wheels, or body kits must be declared separately. Once endorsed, they become part of your insured value. Digit allow such updates directly through our app so your accessories are protected during claims.
Is temporary or shortterm car insurance available in India?
Shortterm insurance isn’t common due to IRDAI regulations. Policies are usually issued for a full year or, for new cars, multi-year thirdparty coverage. Digital insurers like Digit offer instant policy issuance so you’re covered quickly.
Do I need a new policy if my vehicle changes from commercial use to private?
Yes. The policy must match the vehicle’s usage category. After updating the RC to private use, you’ll need a new private car policy. At Digit, we usually conduct a quick inspection to ensure accurate coverage.
How much does my car’s age affect the premium?
As cars age, their IDV drops, reducing the premium. While older cars cost less to insure, the payout in case of total loss is also lower. Newer vehicles attract higher premiums due to higher repair costs and a higher IDV.
Does installing a CNG kit increase the insurance premium?
Yes, CNG kits increase the risk profile, so premiums rise slightly. Declaring the kit is crucial—undeclared kits can cause claim rejection. If you declare it, we cover the CNG kit under your own-damage policy.
Will my No Claim Bonus get migrated if I want to renew my car insurance with you?
Sure, Digit will offer NCB discounts based on your history with another car insurance provider. Come on over!
Will selecting a voluntary deductible reduce my yearly premium?
Yes, choosing a voluntary deductible lowers your premium in exchange for paying a fixed portion during claims. Many experienced drivers choose this if they rarely raise claims.
Can lowmileage users save money on premiums?
Yes, usage-based plans by Digit like PayAsYouDrive help lowmileage drivers pay only for what they use. We offer PAYD, which adjusts your premium based on kilometres driven and works especially well for people with second cars or workfromhome routines.
Will my No Claim Bonus transfer if I switch insurers?
Yes, NCB belongs to the policyholder and can be carried over. When you move from any insurer to Digit, we accept valid NCB proof from your previous insurer based on the terms and conditions of the policy.
How does the car’s registration city affect the premium?
Premium rates differ between metros and smaller towns because accident risks and workshop costs differ. Cars registered in hightraffic cities tend to have slightly higher premiums compared to Tier2 and Tier3 locations.
Are tyre damages covered even when there’s no accident?
No, standard policies don’t cover routine tyre damages such as tears or pothole impact. You need a Tyre Protection addon for this. Many of our customers who drive on rough roads opt for this addon for peace of mind.
Does insurance cover mechanical breakdown or overheating?
Mechanical failures are excluded unless caused directly by an accident or covered addon as per your policy terms. At Digit, we offer many add-ons that can over damaged caused to various parts of car.
Will insurance cover personal items like laptops or mobiles stolen from my car?
Yes, it is covered only if you have a Personal Belongings addon with Digit. This covers items stolen through forced entry up to specified limits as per your policy. Without the addon, such items are excluded.
Are damages from vandalism, riots, or strikes covered?
Yes, these are covered under comprehensive insurance. Such incidents fall under man-made disasters, and claims can be filed with supporting evidence.
What EV components are covered under electric car insurance?
EV policies generally include coverage for the battery pack, charging cables, portable chargers, control modules, and converters. With Digit’s EV Shield addon, additional components like home charging units are also protected.
Is offroading damage covered by insurance?
No. Offroading, rallying, or competitive activities fall under exclusions. Insurance covers private and permitted public road usage only.
Is my CNG kit covered if it gets damaged?
Yes, if the kit is declared and endorsed. CNG related damages are included under your own-damage cover. Undeclared kits may cause claim rejection.
Does insurance cover damage caused during washing or detailing?
Accidental damage may be covered, but negligence by the service centre is usually their responsibility. Digit only covers if the damage is accidental and not due to improper handling.
Will insurance cover engine damage caused by waterlogging?
Only if you have an engine protection addon. Without it, water ingress or hydrostatic lock is excluded. Restarting the engine after flooding can also void coverage.
How soon should I report an accident or damage?
It’s best to report immediatly. Early intimation ensures smoother verification and speeds up claim assessment. With the digit app, you can file the claim and do self inspection easily.
Can I make multiple claims in the same year?
Yes, depending upon your policy details. However, each owndamage claim resets your NCB to zero. Multiple claims may influence renewal premiums, so many customers reserve claims for major incidents.
Can I claim new damage if my car already had earlier dents or scratches?
Yes, but only for the damage caused due to accidents.The claim will be accepted as per your policy terms. Preexisting issues are not payable by the insurer.
What happens if the insurer declares my car a total loss?
If repairs exceed a defined percentage of the IDV, the vehicle may be declared a total loss. In such situations, you receive the IDV amount minus applicable deductions. To avoid such scenario, it’s better to have a comprehensive car insurance policy with zero depreciation that gives you the maximum payout.
Are towing and roadside assistance charges covered?
Yes, if you have a Roadside Assistance addon from Digit. It typically includes towing, flat tyre support, fuel delivery, and jump-start services. Our RSA team operates 24/7 for emergency help.
Does insurance cover damage caused by valet drivers?
Yes, if the driver had a valid licence and the incident was accidental. Liability recovery, if required, is handled separately between the insurer and the valet service provider.
Can I file a claim if the accident happens outside my home state?
Yes, insurance is valid across India. Claims can be reported and processed from any location. With digit’s digital claim process, you can file a claim anytime, anywhere.
Will a claim be rejected if I used my private car for ridesharing apps?
Yes, it may be rejected. Private car insurance does not cover commercial usage such as Ola or Uber. You need a commercial vehicle policy for that.
What documents should I keep in my car?
You should always have your driver’s license and your Registration Certificate (RC) inside your car.
Does insurance cover EV battery failure during a trip?
Breakdowns due to battery discharge are not owndamage claims, but roadside assistance can help with towing or emergency charging. Accidentrelated battery damage, however, is covered.
What if my car gets damaged during servicing or a test drive?
Accidental damage may be covered under insurance, but if the garage was negligent, the service centre may be held liable. Insurers determine liability based on the circumstances of the incident.
How can I ensure my claim gets approved smoothly?
Report the damage immediatly, share clear photos, avoid repairing the car before inspection, and submit accurate details. Our digital selfsurvey makes the process faster and helps avoid procedural delays.