Car Insurance in Chennai
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Buy or Renew Car Insurance in Chennai Online, Up to 90% off
Chennai's advanced medical infrastructure and tech parks fetch people from various parts of the country. Resultantly, the overcrowded roads of this city are prone to heavy traffic and bring the risk of unforeseen mishaps.
Therefore, every four-wheeler owner in the city needed to opt for a car insurance plan for financial coverage in case of losses and damages caused by any mishap or accidents.
Car insurances cover losses arising due to damages to your vehicle and any third-party damages depending on the plan you opted for. According to the Motor Vehicles Act 1988, every vehicle running in India must be insured with a third-party insurance policy.
You can choose a trusted insurance provider like Digit and opt for a convenient plan. They offer both third-party and comprehensive insurance policies. Read more to know about the benefits of both.
Right now, Chennai's growing population count is at 70.9 lakhs, which is yet to increase with every passing year. Moreover, the vehicles here constitute around one-fourth of 17.5 million vehicle count across the state of TN. This state that more two-wheelers at 13 million than that of Maharashtra. Here, the two-wheelers account for around 78% of vehicles in the state, and cars will add to around 14%. With such a growing rise of vehicle count, the need for car insurance in this city is always on the rise. In this regard, Digit’s car insurance online policy might just be the best choice!
Why Do You Need Car Insurance in Chennai?
Let's look at some of the challenges faced by car owners in Chennai which makes having a valid car insurance policy even more important.
Congestion
Chennai is not all about its rich cultural heritage, but it has its share of flaws, to say the least. With its haphazard parking and bar road states, the congestion level keeps on rising up on a daily basis. Even the two-way traffic is right now, adding more to the already existing traffic snarls. So, cars and other vehicles are always on the verge of meeting an accident, even when the owners are driving it safely.
Weather Scenarios
Chennai is known for its high level of precipitation and humidity, which is not quite good for the road condition, to be honest. The summer months are harsh, which will provide some effect on the roads as well. The monsoons invite heavy downpour, which is also another proven way to add more issues to the existing bad road conditions. To top it all, Chennai has an infamous record of floods and cyclone, which are some crucial factors affecting roads in bad ways.
Theft
Recently, a news report came into account in June 2019, when a Chennai gang was caught selling the same car thrice. The condition of car theft is the worst in Chennai that the police had to come across an online database, called DigiCop, tracking stolen mobiles and vehicles to help them crack multiple cases.
Accident-Prone Intersections
Chennai’s rapid urban expansion has resulted in several poorly designed intersections, unmarked U-turns, and confusing road layouts, particularly in high-traffic zones such as T. Nagar, Mount Road, and Velachery. In such unpredictable conditions, having a PA cover in care insurance or a separate health insurance policy becomes essential.
How Can Digit Insurance Save Your Car in Chennai?
Choose the Policy That Suits You: Digit provides three types of car insurance in Chennai:
- Third-Party Policy: This policy covers you against the third party claim after an accident caused by you. The premium is less in this case.
- Comprehensive Policy: The premium is higher as compared to the third-party policy as it covers the third-party claims and the damages to your own 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.
Check: Use Car Insurance Calculator to get the car insurance quotes.
- Drive Legally: Third-party car insurance is mandatory to drive on Indian roads. In the absence of a third party car insurance policy you may attract a fine of Rs. 2000 and/or jail time of 3 months. So Digit third party car insurance will save you from wasting your money in fines.
- Protect Your Car from Natural Calamities with Comprehensive Policy: As discussed earlier Chennai always stands vulnerable towards floods and cyclones. So if you are opting for Digit Comprehensive Car Insurance then Digit will pay for you any damage your car undergoes in any natural calamity, or man-made catastrophe.
- Add-ons for Chennai: Theft being an issue, you can customize your comprehensive policy with “Return To Invoice” add-on that will pay you the full value of the car in the case of a theft.
- Online Easy Claim: You don't need to stand in a long queue to process your claim from Digit. Thanks to technology, everything is online!!! Click photos, send it to Digit, get an online verification and there you go.
Why Choose Car Insurance in Chennai 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 Chennai?
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 Chennai
Following are the car insurance add-ons available in Chennai:
What’s not Covered in Digit Car Insurance in Chennai?
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 Chennai
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 |
×
|
✔
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✔
|
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Damages/Losses to own car in case of fire |
×
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✔
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✔
|
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Damages/Losses to own car in case of a natural calamity |
×
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✔
|
✔
|
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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 |
✔
|
✔
|
×
|
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
|
Theft of your car |
×
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✔
|
✔
|
|
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 Chennai 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 Chennai
Here’s the list of Digit's top 25 cashless garages in Chennai, 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 Chennai
Here is the list of office addresses in Chennai as of August 5th, 2025: