Car Insurance in Ahmedabad
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Considering its huge population and attractive tourist spots, Ahmedabad is one of the busiest Indian cities. If you are a car owner residing in this city, you need to opt for car insurance to safeguard yourself against financial losses due to any mishap or accident.
The Motor Vehicles Act 1988 has already mandated a third-party car insurance policy for every vehicle owner in India. Driving without it can lead to hefty penalties.
A third-party car insurance policy covers the expenses of damages caused by your car to someone else’s property or life. However, the comprehensive policy safeguards both your and the third-party liabilities. You can buy a car insurance policy as per your requirement from Digit Insurance. Here’s more.
Ahmedabad is the largest city in the State of Gujrat, with a population of over 55 lakhs. It is located on the banks of the river Sabarmati and is a rapidly growing educational and industrial hub in India. Ahmedabad’s delicious food, incredible architecture, and colourful culture attract lakhs of tourists every year.
Why Do You Need Car Insurance in Ahmedabad?
Let's look at some of the challenges faced by car owners in Ahmedabad which makes having a valid car insurance policy even more important.
Frequent Road Accidents
As per the Ahmedabad Traffic department data, a total of 726 road accidents were reported until June 2019. The main reason for this is that more and more people use their private vehicles for their daily commute instead of public transportation. This makes Ahmedabad an over-crowded city, thus resulting in frequent road accidents.
Car Thefts
Car thefts in Ahmedabad are getting worse every year. Since 2016, thousands of vehicles have been stolen, out of which only 30% are recovered by the police officials. After stealing, the thieves change the number plate and sell the car in the neighbouring states, which makes it difficult for the police to track down the vehicles.
Rains and Poor Road Condition
During monsoons, Ahmedabad experiences heavy rainfall in most of the region. This affects the condition of the roads to a great extent resulting in potholes on many streets. Moreover, the white sprites on the speed breakers get washed away by the rains. Due to this, car drivers are not able to spot them, which leads to accidents.
How Can Digit Insurance Save Your Car in Ahmedabad?
Finding car insurance in Ahmedabad can be a troublesome task. This is where Digit Insurance comes into the picture. It enables you to buy the most suitable car insurance policy online without the involvement of any middlemen and with efficient customer service.
Why Choose Car Insurance in Ahmedabad 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 Ahmedabad?
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 Ahmedabad
Following are the car insurance add-ons available in Ahmedabad:
What’s not Covered in Digit Car Insurance in Ahmedabad?
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 Ahmedabad
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 |
×
|
✔
|
✔
|
|
Damages/Losses to own car in case of fire |
×
|
✔
|
✔
|
|
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
How to Buy/Renew Car Insurance in Ahmedabad 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 Ahmedabad
Here’s the list of Digit's top 25 cashless garages in Ahmedabad, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.
Digit Insurance Registered Offices in Ahmedabad
Here is the list of office addresses in Ahmedabad as of August 5th, 2025: