Car Insurance in Agra
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According to the Motor Vehicles Act 1988, every Indian car owner must compulsorily insure their vehicles against third-party damage risks. With an increasing number of cars on the roads, the risks of accidents are high.
Car insurance plans can assist you financially to cover losses owing to damages caused by unforeseen incidents. For cities like Agra, car insurances are essential, considering the huge traffic rush and congestion.
If you are looking for a reliable insurance provider in Agra, consider Digit Insurance, one of the trusted motor insurers in India. You can either opt for a third-party car insurance policy or a comprehensive one according to your requirement and budget. Read further for a detailed idea of both the insurance policies.
Agra is situated on the banks of Yamuna River in the state of Uttar Pradesh. With the beautiful view of the famous Taj Mahal and Fatehpur Sikri, Agra is also famous for a dessert called "petha". It is a developing city with a population of over 16 lakhs. Known for its tourism, this beautiful city is the melting pot of various cultures and heritage.
Why Do You Need Car Insurance in Agra?
Let's look at the challenges faced by car owners in Agra which makes having a valid car insurance policy even more important.
Accident-Prone Area
The Yamuna Express Highway, connecting Greater Noida with Agra, is an accident-prone area. Around 7000-8000 passengers travel on this 165 km long road every day. According to the official data, this expressway has witnessed more than 357 accidents and 150 deaths in 2019 alone. Most of these accidents are caused due to over speeding and tyre busting.
Theft
Car theft is one of the major issues in Agra. Police have reported more than 15,000 cases of vehicle theft in the last three years. Due to this increasing number of carjackers, it is very challenging for car owners to drive their vehicles in Agra.
Bad Road Condition
The city of the Taj Mahal also suffers from the severe condition of potholes. Due to monsoons, most of the roads get damaged at a largescale and become dangerous for driving. Open manholes on some of the roads can also result in major accidents.
How Can Digit Insurance Save Your Car in Agra?
Being an over-crowded city, it is highly essential to buy car insurance online in Agra. Digit Insurance provides certain ways through which you can easily insure your car in Agra. It also enables you to estimate the premium on each policy with the help of a car insurance calculator.
Choose from three types of car insurance policies
- Third-Party Liability Policy: This policy offers cover against any damage caused to the third party in case of a car accident caused by you.
- Comprehensive Car Insurance: It protects your car and also the third party against any damages.
- Own Damage: This policy covers loss and damage to your own car, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party car insurance policy.
- Personal Accident Cover: Given Agra’s proximity to accident-prone highways, car owners must secure themselves with a Personal Accident (PA) Cover. This cover offers financial protection in case of bodily injuries, permanent disability, or even death resulting from an accident. In addition to PA cover, having a Digit health insurance policy further strengthens your safety net. It covers hospitalisation costs, treatments, and post-accident care, ensuring comprehensive protection whether you're on the road or at home.
- Avoid Heavy Fines: With the changing laws and heavy penalties, it is compulsory to have third party car insurance in India. If caught driving without any insurance, you'll be fined Rs.2000 for the offence. And, for the subsequent offences, the penalty increases to Rs.4000. In some cases, it can also lead to imprisonment for up to 3 months and suspension of the driving license. To save yourself from paying such hefty fines, Digit's Third-party insurance can help you.
- Comprehensive Policy to Protect Your Car: Car drivers in Agra often face the above-mentioned challenges in their daily lives. To avoid these, a Comprehensive policy is the most suitable choice. It is a complete package that provides coverage against damages to your car and third party liability as well. This policy covers any damages caused due to natural calamities, thefts, fire, accidents, vandalism, and tornado.
- Add-ons Suitable for Agra: To enhance your comprehensive cover, you can include various car insurance add-ons. For example, return to invoice can provide you with compensation in case your car gets stolen. Similarly, Passenger protection cover is an add-on that covers any damages caused to your family and loved ones during a car accident.
Why Choose Car Insurance in Agra by Digit?
We treat our customers like VIPs, know how…
Cashless Repairs
With access to over 9000+ cashless garages across India, you can get your car repaired without worrying about upfront payments. Digit also offers pickup and drop, adding convenience to the repair process.
Smartphone-Enabled Self Inspection
Skip the hassle of physical inspections. Digit allows you to upload photos and videos of the damage directly from your smartphone, making the claim process faster and more convenient.
Super-Fast Claims
Digit has settled 96% of motor claims, with most processed in just a few hours. The digital-first approach ensures minimal paperwork and quick turnaround, so you can get back on the road sooner.
24*7 Support
Whether it’s a weekday, weekend, or national holiday, Digit’s support team is available round the clock to assist you with queries, claims, or policy updates.
Customize Your Vehicle IDV
You have the flexibility to set your car’s Insured Declared Value (IDV) based on your preference. This helps you balance your coverage and premium according to your needs.
Complimentary Wellness Benefits
As a Digit customer, you get access to exclusive wellness offers & benefits. Top-rated health and wellness partners provide these benefits, adding extra value to your insurance plan.
Key Features of Digit's Car Insurance Policy
What’s Covered in Digit Car Insurance in Agra?
Accidents
Covers damage from collisions
Theft
Protection if your car is stolen
Fire
Covers accidental fire damage
Natural Disasters
Includes floods, cyclones, etc.
Personal Accident
Compensation for owner’s death or disability
Third Party Damages
Covers damage to others’ property or vehicles
Car Insurance Add-ons Available in Agra
Following are the car insurance add-ons available in Agra:
What’s not Covered in Digit Car Insurance in Agra?
Understanding what's not covered is just as crucial—so you're not caught off guard when making a claim. Here are key exclusions to keep in mind
Own Damages for Third-Party Policy Holder
Third-party policies don’t cover your car’s damage
Drunk Driving
No cover if driving under influence or without a valid licence
Driving without a Valid Driving Licence
No cover if driving without a qualified supervisor
Consequential Damages
Indirect damage after an accident isn’t covered
Contributory Negligence
Damage from ignoring safety guidelines (e.g., driving in floods) is excluded
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.
Car Insurance Plans in Agra
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.
Comprehensive
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.
Standalone Own Damage
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.
Third-Party
Comprehensive
Own Damage
|
Damages/Losses to own car due to an accident |
×
|
✔
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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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Damages to Third-Party Property |
✔
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✔
|
×
|
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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
How to Buy Car Insurance in Agra with Digit?
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.
Digit's Cashless Garages
Get cashless repairs at 9000+ garages across India
Popular Cashless Garages in Digit's Network in Agra
Here’s the list of Digit's top 25 cashless garages in Agra, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.