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Car Insurance in Bhopal
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.
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Car insurance plans can assist you financially to cover losses owing to damages caused by unforeseen incidents. For cities like Bhopal, car insurances are essential, considering the huge traffic rush and congestion. If you are looking for a reliable insurance provider in Bhopal, 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. Known as the city of lakes, Bhopal is the capital city of the state of Madhya Pradesh. With a population of over 18 lakhs, it is the 16th largest city in India and 131st in the world. Bhopal is one of India's greenest cities and is famous for its rich heritage and history. Van Vihar National park, Bharat Bhavan, Lower Lake, and Bhojtal lake and wetland, are some of the places that make Bhopal an interesting tourist spot.
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Why Do You Need Car Insurance in Bhopal?
Let's look at some of the challenges faced by car owners in Bhopal which makes having a valid car insurance policy even more important.
Frequent Road Accidents
Road accidents are a significant concern for car owners in Bhopal. According to 2018 statistics by the officials, one accident was reported every 25 minutes, and every 9th accident resulted in a fatality. Encroachments on busy roads and illegal parking are some of the leading causes of such accidents. Hence, it is necessary to have car insurance with PA coverage or a separate health insurance policy to cover the expenses in such cases.
Traffic Jams
Traffic jam has become a routine at all the prominent routes in Bhopal such as Jyoti Talkies, MP Nagar, Bittan market, Nehru Nagar, and Hamidia road. This has disrupted the daily commute of most people and has increased the congestion on the city roads, leading to wrong side driving and accidents.
Bad Road Condition
In monsoon, heavy rains cause major damage to the roads in Bhopal. The pathetic condition of the streets and potholes makes the daily commute difficult for the car owners. Moreover, these potholes get filled with water during rains due to which car drivers fail to spot them and meet with accidents.
How Can Digit Insurance Save Your Car in Bhopal?
Car owners must buy car insurance online in Bhopal. But how can you find the right insurance company that can fulfill all your needs? Well, don't worry! Digit insurance has got you covered.
Choose from Three Types of Car Insurance Policies:
- Third-Party Liability Policy: It is a policy that protects you against the legal liability of accidental damages resulting in injury or death of the third party or property.
- Comprehensive Car Insurance: This covers the loss or damage arising due to natural and man-made calamities, and third-party legal liability.
- 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: Suppose you're driving, and suddenly a high-speed truck coming from the wrong side collides with your car. Such accidents are inevitable and can result in permanent injuries or even death of the car owner. Hence, Digit personal accident cover can provide coverage to the insured and his family to a large extent, this is a must for a car owner from Bhopal because it’s an accident-prone city as discussed above
- Avoid Heavy Fines: A person mandatorily needs third-party car insurance to drive their cars in India. Thus, Digit third party insurance can help you buy the right insurance for your vehicle. Driving without insurance is an offence and can result in heavy fines. For example, if you're caught driving without insurance for the first time, you'll be fined with Rs.2000. And, in case of subsequent offences, the fine will increase to Rs.4000. Other punishments include – imprisonment for up to 3 months and suspension of driving license.
- Comprehensive Policy To Protect Your Car: Car owners in Bhopal face many difficulties while driving, such as poor road conditions, potholes, car thefts, and accidents. But, how can you save yourself from the damages arising due to such situations? Digit comprehensive car insurance provides you with complete coverage and a stress-free mind. Moreover, if you injure someone or something from your car, the medical expenses and repairs will be taken care of by the insurance company.
- Add-ons Suitable for Bhopal: Add-ons can provide additional financial protection to you and your car. During floods, water-logging can increase the chances of damage to the engine. Hence, it is advisable to opt for engine protector cover. Moreover, in case of accidents where your car has been damaged beyond repair, return to invoice can prove to be very beneficial.
Why Choose Car Insurance in Bhopal 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
Quick and hassle-free claim process that's digital and paperless
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 Bhopal?
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 Bhopal
Following are the car insurance add-ons available in Bhopal:
What’s not Covered in Digit Car Insurance in Bhopal?
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 Bhopal
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
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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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Damages/Losses to own car in case of a natural calamity |
×
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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 |
✔
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×
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Injuries/Death of a Third-Party Person |
✔
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×
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Theft of your car |
×
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Customize your IDV |
×
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Extra protection with customized add-ons |
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Know more about the difference between comprehensive and third party insurance
How to Buy Car Insurance in Bhopal 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 Bhopal
Here’s the list of Digit's top 25 cashless garages in Bhopal, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.
| Garages Name | Garage Address | Location |
| Ocean Motors Pvt Ltd Bhopal | 54 A Govindpura Ind Area, Bhopal 452001 | 📍 View on Maps |
| Rmj Motors Pvt Ltd | 8 C, Rmj Motors, J K Road, Bhopal, Bhopal, Madhya Pradesh, 462001 | 📍 View on Maps |
| Jeewan Motors 4W Maruti Bhopal | Maida Mill, 958/ 1/1/2/2/1, Near Income Tax Office , Hosangabad Road, Bhopal - 462016 | 📍 View on Maps |
| Daga Motors | Main Road, Chunabhati, Kolar Road, Bhopal, 462016 | 📍 View on Maps |
| Khushi Motors | Bda Plot No 1, Railway Line , Zone I, 462023 | 📍 View on Maps |
| The Moto Hub | Beside Capital Mall, 212/213, In-Front Of Sbi Bank, Hoshangabad Road, 462026 | 📍 View on Maps |
| C.I. Finlease Private Limited(Jhinshi) | Maida Mill Road, Jhinshi Jahagirabad Bhopal 462011 | 📍 View on Maps |
| Srisatyasai 4W Maruti Bhopal | Plot No 4,Rajendra Prasad Bhavan, Bhadbhada Road, Malviya Nagar, 462001 | 📍 View on Maps |
| Satyam Motors Pvt Ltd | Satyam Motors Pvt Ltd Nh 12 Hoshangabad Road , Misroad , | 📍 View on Maps |
| The Cars Lounge | Near Petrol Pump, 287 Plot No 100, Drm Road, Awadhpuri,Bhopal, Bhopal, Madhya Pradesh 462022 | 📍 View on Maps |
| Arcot Motors | 37, Bhel Ancillary Estate, Habibganj, Bhopal,Bhopal, Madhya Pradesh | 📍 View on Maps |
| Shubham Automobiles Mass | Plot No. 1 , Shahpura Chawni , Gulmohar Colony Road , Bhopal - Madhya Pradesh 462039 | 📍 View on Maps |
| Eshan Autocorp India Llp | 26/ 27, 30/31 Amaltas Colony, Chunabha 462042 | 📍 View on Maps |
| Surjeet Auto Private Ltd | Plot No 27, Sec - G , Industrial Area, 462023 | 📍 View on Maps |
| Sohum Vehicles Llp | Khasra No. 435/2/205,Near Vrindawan Garden, Bhopal | 📍 View on Maps |
| Reliance Motors (Bosch) | S01 The Address Colony Bawadiyakala Rohit Nagar Bhopal 462016 | 📍 View on Maps |
| Sai Chhaya Auto Link Private Limited | 23-24, E Sector Industrial Area, Govindpura,Bhopal | 📍 View on Maps |
| Rajpal Abhikaran Bhopal Private Limited | Rajpal Toyota, Opp Hotel The Mark, Hoshangabad Road Misrod | 📍 View on Maps |
| Bhawani Motors Sneha Patidar | Khasra No 78 Hosangabad Road Bhopal | 📍 View on Maps |
| Soumya Automobiles | Damkheda , Ayodhya By Pass Road , Bhopal , Madhya Pradesh | 📍 View on Maps |
| Aeromark Cars 4W Mg Bhopal | Bhopal Khasra No 472, 11 Mile , Bheropur, Bhopal 462047 | 📍 View on Maps |
| Jagdish Motocorp Pvt Ltd(Skoda) | Bhopal Khasra No. 2, Hoshangabad Road, 462026 | 📍 View on Maps |
| Galaxy Bhopal Vehicles Priavte Limited | 1St Floor, 104, Coral Wood Complex, Hoshangabad Road, Mosrod 462047 | 📍 View on Maps |
| Varenyam Motor Car | Raisen Road , Shop No. 1 To 6 Pink Tower , 1 Padamnabh Nagar - Bhopal - Madhya 462021 | 📍 View on Maps |