Car Insurance in Asansol
9000+ Cashless Garages
96% Claims Settled (FY 24-25)
Buy or Renew Car Insurance in Asansol Online, Up to 90% off
In terms of size, Asansol is the second biggest and second most populated city of West Bengal. Other than being a major hub of coal, steel and other industries, this city is also the district headquarters of the district of Paschim Bardhaman.
If you are a vehicle owner in such an overpopulated city, plying on the roads without a car insurance policy can be risky. To add to the miseries, potholes, poor infrastructure, movement of heavy vehicles, and lack of proper traffic management make the roads of Asansol congested and accident-prone.
So, if you are looking for a car insurance policy to safeguard yourself financially, you can rely on Digit. We have an online claim settlement process that is paperless and gets over in a matter of minutes.
Let’s learn more.
Why Should You Get Digit Car Insurance in Asansol?
The insurance protects the car from the damage and dents with the full coverage. Here are a few factors that you should consider before buying car insurance online.
- Paperless Settlement of Claims: We settle all claims against our insurance policies online. Our smartphone-enabled self-inspection process makes the process of claim settlement easy and convenient. Call us on the provided number and tap on the link you receive. Then, follow a step-wise guide and click photos of the damaged parts of your car. Then, our team will look into the matter and get back to you with an estimate. The entire process is quick, easy and hassle-free. Our online process also saves you from a lot of hassles as you do not have to fill out numerous forms or submit loads of document hard copies. This online claim settlement process enables us to maintain a high claim settlement ratio when it comes to car insurance.
- 24-hour Customer Service: In case you have any questions regarding your vehicle insurance policy or face any emergency, you can contact our team without any hesitation. We are available 24/7 to provide assistance. Even if you contact us on a national holiday, we will be more than happy to help you out.
- Customise the IDV of Your Car: Your car’s IDV or Insured Declared Value has a significant influence on the sum insured and premium amount of your vehicle insurance policy. As we like to maintain transparency with our clients, we give you the option to customise the IDV of your vehicle according to your preference.
- Network Garages All Over India: We have thousands of network garages all over India. So, if you choose Cashless Repairs while claiming your car insurance policy, you can bring your vehicle to one that is the nearest to your location. These garages will get your vehicle fixed without any additional spending from your end. Furthermore, they will provide a warranty of 6 months on all repair works.
How Can Digit Insurance Save Your Car in Asansol?
Apart from providing financial cover for unforeseen incidents, a car insurance policy does much more. Here are the ways a Digit vehicle insurance policy can save your car in Asansol:
- Personal Accident Cover: A personal accident cover is a mandatory extension that you must purchase when obtaining a car insurance policy. This will be of help in case of permanent disabilities, bodily injuries or even death in the event of an accident. Under such circumstances, a personal accident cover will make sure that you have financial cover for the expenses of your medical treatment. You can also have a separate health insurance plan that provides coverage for accidents.
- Choose Among Different Vehicle Insurance Policies: We offer three types of car insurance policies:
- Comprehensive Car Insurance
- Third-Party Car Insurance
- Own Damage Car Insurance
Assess your budget and your requirements and buy a policy accordingly.
- Extend Your Policy Coverage With Add-ons: A comprehensive vehicle insurance plan allows you to include various add-ons. They come at extra expenses but will be helpful in various situations. These add-ons will provide additional coverage. Take the instance of roadside assistance cover. If you are stranded with a broken-down vehicle, we will provide you with financial assistance for all repair or replacement costs required. You also get coverage for the costs of towing your car. You can also choose passenger cover as an add-on. A car insurance policy generally provides financial cover only for the driver. This add-on will financially cover the passengers in your car in case of any mishap. Other add-ons include tyre protect cover, zero depreciation cover, etc.
- Avoiding Fines: It is a punishable offence if you drive your car without a valid vehicle insurance policy. As per Motor Vehicles Act of 1988, all vehicle owners should have a third-party insurance cover. Therefore, if the authorities catch you driving without one, there will be a hefty penalty of ₹ 2,000. This fine will rise to ₹ 4,000 for subsequent offences. Additionally, you may also be punished with a 3-month prison sentence and suspension of your driving licence.
Thus, other than protecting you financially after a mishap, a car insurance policy also helps you avoid legal penalties.
Why Choose Car Insurance in Asansol 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 Asansol?
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 Asansol
Following are the car insurance add-ons available in Asansol:
What’s not Covered in Digit Car Insurance in Asansol?
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 Asansol
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
|
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 |
×
|
✔
|
|
Doorstep Pick-Up & Drop |
×
|
✔
|
|
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 Asansol 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 Asansol
Here’s the list of Digit's top 4 cashless garages in Asansol, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.