Car Insurance in Bengaluru

The Motor Vehicles Act of 1988 has made it necessary for every vehicle owner to own at least a third-party insurance policy. Car insurance policies help to financially cover you against losses arising due to damage to your own car or other’s property in case of an accident or other mishap.

While driving in Bengaluru, having a car insurance policy is a must considering the high population, frequent road congestion, and increased possibility of mishaps. It helps you avoid unnecessary financial losses due to unforeseen accidents.

So, if you are looking for a car insurance policy, consider getting one from Digit. Based on your budget and needs, you can choose either a comprehensive or third-party policy.

Famously known as the Silicon Valley of India, Bengaluru (also called Bangalore) is the capital of the Southern Indian state Karnataka. It is a well-known IT hub and is home to many national and international IT startups and corporations. Bengaluru is blessed with a pleasant climate, lovely parks, quirky cafes, beautiful palaces, and a modern metro system, which makes it the most livable city in India. Moreover, there are many options for shopaholics, such as commercial street, Brigade Road, MG road, and Chickpet. The culture here is very open as people from every corner of India live here.

Being the second slowest city in India for road traffic, car owners suffer from any damages due to traffic, bad roads, and continuous thefts. Hence, it is crucial for them to buy car insurance online in Bengaluru.

Digit insurance provides various types of insurance policies that you can choose according to your needs. Moreover, its car insurance calculator saves you from the hassle of doing manual calculations to find monthly premium on each policy. 

• Choose from Three Types of Car Insurance Policies:
  • Third-Party Liability Policy: It protects you when you’re legally held responsible for an injury or damage to the third-part or property. 
  • Comprehensive Car Insurance: It is the most valuable policy that protects both the third party liability and the insured car as well.
  • 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.
• Avoid Heavy Fines - Third-party car insurance is mandatory to drive a car legally on the roads of Bengaluru. If you’re caught driving without insurance, you’ll be charged with harsh fines. The fine for the first offence is Rs.2000, and for the subsequent offences, it is Rs.4000. In some cases, it can also result in imprisonment for up to 3 months and suspension of your driving license. Hence, Digit third party insurance can prevent you from paying such heavy penalties.
• Comprehensive Policy to Protect Your Car: Especially in Bengaluru, where car owners face the challenges mentioned above, a comprehensive policy can literally be a life saviour. This policy provides coverage against any damages sustained by the car, its driver, passengers, and also the third party. Also, make sure you renew car insurance in Bengaluru on time. Otherwise, if any damage happens after the expiry date, your car won’t be covered. 
• Add-ons Suitable for Bengaluru: If you think your comprehensive policy doesn’t cover everything, you can opt for various add-on covers in car insurance. For example, due to poorly constructed roads, potholes, and open manholes, there’s a high chance of any damages to the car engine and tyres. Engine and tyre protection cover can help you in such a scenario.

Following are the car insurance add-ons available in Bengaluru:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover