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Car Insurance in Darjeeling
Darjeeling, the Queen of Hills, is situated in northern West Bengal. The picturesque beauty of this hill station attracts tourists and travel bloggers all over the world.
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Tourists rush to Darjeeling throughout the year to experience the serenity of the tea garden or to visit the Peace Pagoda and other popular places. The massive inflow of visitors keeps the city roads packed and bustling. This often creates congestion. Moreover, because of the geographical location, unforeseen events such as landslides can occur sometimes. To avoid financial outflow due to accidents, natural calamity or theft, you need to buy a car insurance plan in Darjeeling. Digit Insurance can be a viable option if you are in search of a car insurance provider. The quick and seamless claim settlement process and continuous customer support make Digit a trusted option to avail.
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Renew Car Insurance in Darjeeling
9000+
Cashless Garages
2900 Crore+
Paid-in Claims
1.2 Cr+
Policies Sold
Up to 90% Off
with PAYD Add-On
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Buy Online for Huge Savings
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Car insurance Online, Up to 90% Discount
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no.
It's a Brand New Car
9000+
Cashless Garages
2900 Crore+
Paid-in Claims
1.2 Cr+
Policies Sold
Why Should You Get a Digit Car Insurance Plan in Darjeeling?
Here are the few notable benefits that you can get by getting a Digit car insurance online policy in Darjeeling:
- Vast Chain of Pan India Network Garages: If you choose the cashless repair mode, you get the car repairs done from any one of Digit's network garages in India. In these garages, the damaged parts of your car will be repaired completely free of charge. Moreover, you will get a warranty on repairs of at least 6 months from any of Digit's network garages.
- 24/7 Customer Assistance: The customer support representatives of Digit are just a call away when you need solutions to all your car insurance-related queries. We are available 24/7 to resolve all your questions and even keep our helplines open on national holidays.
- Customisation of IDV: The Insured Declared Value is the market value of your vehicle, which Digit allows you to customise as per your convenience. The premium you pay for your vehicle's insurance is dependent on the Insured Declared Value of the car. That means, if the IDV is more, the premium you pay will be higher and vice versa. Hence, with Digit, you can customise the IDV, as per your budget and convenience.
- Fast and Simple Claim Settlement Process: Digit offers a simple and fast claim settlement process as it values the convenience and satisfaction of all its customers. The smartphone-enabled self-inspection process makes the claim settlement process totally hassle-free and quick. All you have to do is call Digit to receive a link on your registered contact number. Upon receiving this link, you need to upload clear pictures of the damaged areas of your vehicle and send those to us. Once we receive those pictures, we will get back to you with an estimate for the claim. After that, you can opt for either cashless or reimbursement repair mode.
How Can Digit Car Insurance Protect Your Car in Darjeeling?
Let's discuss how Digit car insurance in Darjeeling can protect your financial interest from unforeseen events:
- Avoid Legal Fines: As per the Motors Vehicle Act, 1988, it is compulsory to purchase a third-party insurance plan for every vehicle owner in the country. Not getting at least a third-party insurance plan will attract a fine of ₹ 2,000 that can go up to ₹ 4,000. In some situations, this may lead to the cancellation of your driving license as a punishment.
- Personal Accident Cover: You can always protect the monetary health of your family by getting a personal accident cover. A personal accident cover from Digit will protect your family from unpredictable events that bring both financial and emotional turmoil. A PA cover will protect you in case of expenses due to permanent disability, physical injuries or even death. However, having a health insurance plan is also beneficial in such cases, as it provides extensive coverage for expenses incurred during hospitalisation.
- Select From Various Car Insurance Plans: You can choose from the three types of car insurance plans from Digit:
- Comprehensive Car Insurance
- Third-Party Car Insurance
- Own Damage Car Insurance
You may opt for a car insurance plan according to your need and budget.
Customise Add-ons: If you choose the comprehensive car insurance plan of Digit, you can customise it with add-ons. Add-ons covers offer additional coverage that can prove to be beneficial in various situations. Examples of some notable add-ons you can consider adding to your comprehensive car insurance plan include a consumable cover, engine & gearbox protection, zero depreciation cover etc. For instance, four-wheeler owners in Darjeeling can get add-ons like roadside assistance cover. This add-on will help you cover expenses for repairs needed during a sudden vehicle breakdown in the middle of the journey. This add-on will also cover costs for towing services (if needed), taxi service to get to your destination, etc.
So, a Digit car insurance policy not only protects you from financial outflows but also saves you from legal complications.
Why Choose Car Insurance in Darjeeling 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 Darjeeling?
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 Darjeeling
Following are the car insurance add-ons available in Ahmedabad:
What’s not Covered in Digit Car Insurance in Darjeeling?
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 Darjeeling
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
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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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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 |
✔
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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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✔
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Doorstep Pick-Up & Drop |
×
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✔
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Customize your IDV |
×
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✔
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Extra protection with customized add-ons |
×
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✔
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Know more about the difference between comprehensive and third party insurance
How to Buy/Renew Car Insurance in Darjeeling 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 Darjeeling
Here’s the list of Digit's top 25 cashless garages in Darjeeling, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.