Cashless Car Insurance

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9000+ Cashless

Network Garages

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96% Claim

Settlement (FY24-25)

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24*7 Claims

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Up to 90% Off with PAYD Add-On
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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.
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9000+ Cashless

Network Garages

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96% Claim

Settlement (FY24-25)

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24*7 Claims

Support

Buy Cashless Car Insurance with 9000+ Network Garages in India

what is cashless car insurance

What is Cashless Car Insurance?

A cashless car insurance policy allows you to get all benefits of your car insurance policy, such as getting your car repaired after an accident without paying anything out of your own pocket.

The bills for these repairs would be sent directly to us (the insurer!) and we’ll settle the bills with the garage. So, you can simply walk into any garages part of our cashless network, and get your car repaired without spending anything from your pocket (apart from your deductible and depreciation).

In comparison to conventional reimbursement claims, a cashless claim is super-fast, easy and hassle-free. At Digit, we even provide doorstep pickup drop with 6 months warranty!

But remember, this only applies to benefits covered in your car insurance. So, if the damage is not covered by your car insurance policy, you will have to pay out of your own pocket. For example, water damage to your engine is not covered in many basic policies.

Additionally, you will need to pay a small part of the bill in the form of deductibles and depreciation, as per your car insurance policy’s terms and conditions.

How does a Cashless Car Insurance Policy work?

Key Features of Digit's Cashless Car Insurance

Key Features Digit Benefit
Premium Discount Up to 90% Off with PAYD Add-on
Premium Starting from ₹2094
No Claim Bonus Up to 50% Discount
Customizable Add-Ons 10+ Add-ons available
Cashless Repairs Available at 9000+ Garages
Claim Process Smartphone-enabled Claim process. Can be done online within 7 minutes!
Damages to Third-Party Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

Cashless Garages by Digit

Digit's Cashless Garages

How to make a Cashless Car Insurance Claim with Digit?

What are the Expenses Borne by a Customer in a Cashless Car Claim?

is cashless claim better than reimbursement

Is Cashless Claim better than Reimbursement?

Now that you know what a cashless claim is, you’re probably wondering what is better – a reimbursement claim or a cashless claim?

Well, to answer this question it’s important you know what a reimbursement claim is too.

As the name suggests, a reimbursement claim is when you pay for the cost of repairs yourself and then use the bills, along with supporting documents to get back the money spent, from your insurance company.

The primary difference between the two is that, in this case of a reimbursement - you will first need to shell out money from the entire amount from your own pocket and then go through the added step of verifying submitted bills and payments.

Whereas in a cashless claim, you will only need to pay a small amount of the claim yourself (deductible & depreciation if any) and the insurer will directly make all the necessary payments.

What are the Benefits of a Cashless Car Insurance policy?

FAQs about Cashless Car Insurance

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Manasvi Gupta

Written By

Manasvi Gupta

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Mayur Kacholiya