Car Insurance in Chandigarh
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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 Pune, car insurances are essential, considering the huge traffic rush and congestion.
If you are looking for a reliable insurance provider in Pune, 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 for its architecture and urban design, Chandigarh is a union territory and the capital of northern Indian states of Punjab and Haryana. This well-planned city was designed by a Swiss-French Architect Le Corbusier in the 1950s. Often called the 'City Beautiful', Chandigarh attracts a large number of tourists with its vibrant culture that has a mixture of both traditional Punjab and modernity. Some of the main attractions in Chandigarh include Rose Garden, Nek Chand's Rock Garden, Sukhna Lake, Leisure Valley, Government Museum, and Art Gallery.
Why Do You Need Car Insurance in Chandigarh?
Let's look at some of the challenges faced by car owners in Chandigarh which makes having a valid car insurance policy even more important.
Rogue Driving
Rogue driving or road rage is a serious issue in Chandigarh. With the increasing number of vehicles on the road, these cases have also risen. Moreover, bad driving habits of a few drivers, such as drunken driving and honking unnecessarily, have disrupted the smooth flow of traffic, resulting in road rage accidents in the city. Hence, it’s a good choice to have car insurance with Personal accident coverage or a separate health insurance policy to cover your treatment or accident-related charge.
Traffic Congestion
Traffic in Chandigarh is getting heavier every day. With the rising population and vehicles, the roads are becoming congested, especially during peak hours. As a result, police officials are not able to manage them properly. Such mismanagement leads to chaos, and commuters have to remain stuck in traffic for long hours.
Poor Road Condition
Chandigarh roads are in a pitiable condition. Heavy rains in the city often cause the problem of potholes, which affects the vehicles to a great extent. It reduces the life and mileage of the automobiles and makes it difficult for the commuters to drive smoothly.
How Can Digit Insurance Save Your Car in Chandigarh?
Considering the above challenges, it is necessary for car-owners to buy car insurance in Chandigarh. Digit Insurance is a trusted choice in India and is apt for those who want to buy an insurance plan in a relaxed and hassle-free manner. In this regard, Digit’s car insurance online policy might just be the best choice!
- Choose from Three Types of Car Insurance Policies:
- Third-Party Liability Policy: It provides coverage for third-party injuries, accidental death, and even the damages caused to the other property.
- Comprehensive Car Insurance: Along with third-party liability, this complete package protects you and your car in case of natural and man-made calamities such as theft, fire, floods, terrorist attacks, accidents, and much more.
- 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.
- Third-Party Liability Policy: It provides coverage for third-party injuries, accidental death, and even the damages caused to the other property.
- Protect Yourself with Personal Accident Cover: Due to increasing vehicles and potholes in Chandigarh, accidents have become a major issue. You cannot stop accidents from happening. But, you can surely secure yourself by availing Digit personal accident cover. It offers financial stability to the insured person and his family if he/she gets injured or dies in an accident.
- Avoid Heavy Fines: Driving without third-party car insurance can attract heavy penalties and fines. The fine for the first offence is Rs.2000, and for subsequent offences, you have to pay Rs.4000 from your pockets. In most cases, it can also lead to imprisonment for up to 3 months and cancellation of the driver's license. Hence, Digit's third-party insurance can be quite advantageous in such situations.
- Comprehensive Policy to Protect Your Car: Since third-party insurance only covers you for the third-party and property damages, Digit comprehensive car insurance can secure you to a much greater extent. It provides protection against the wide range of damages and injuries to your car, your passengers, and other property during accidents.
- Add-ons Suitable for Chandigarh: The comprehensive car insurance policy does not cover various add-ons. Suppose you're driving, and suddenly your car gets hit by a pothole, causing the wearing of the tyres. Here, tyre protection cover can prove to be very beneficial to you. Moreover, passenger protects cover can help you in case of any bodily injuries caused to your passengers.
Why Choose Car Insurance in Chandigarh 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 Chandigarh?
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 Chandigarh
Following are the car insurance add-ons available in Chandigarh:
What’s not Covered in Digit Car Insurance in Chandigarh?
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 |
×
|
✔
|
✔
|
|
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 Car Insurance in Chandigarh 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 Chandigarh
Here’s the list of Digit's top 25 cashless garages in Chandigarh, 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 Chandigarh
Here is the list of office addresses in Patna as of August 5th, 2025: