General
Life
Car Insurance in Delhi
Delhi, the capital of India, is the largest metropolitan area in the country. The streets of this city remain busy all day as people prefer to travel by cars. Thus, being a vehicle owner in such a city calls for having a car insurance plan.
Read more...
Such plans can protect you financially in case of mishaps or accidents. Moreover, according to the Motor Vehicles Act of 1988, every car owner needs to have a third-party plan. If you are looking for a reliable car insurance policy provider, you can put your trust in Digit. You can get comprehensive and third-party car insurance plans at affordable premiums. Delhi, the capital city of India. It’s a metropolitan city, which has its shares of ups and downs, not just culturally but politically as well. But, no matter whatever the changes might have taken place, the heritage, culture and religion of this city remain unchanged for future generations to enjoy. Delhi’s culture is a perfect blend of modernistic lifestyles with its special place towards old tradition and values. With a whopping count of 1.9 crores as population, Delhi is one of the busiest and highly populated cities in India. However, the total number of motor vehicles in Delhi roads were around 109.86 lakh as per a survey report from March 31st, 2018. The cars & jeeps have been numbered at 32.46 lakhs, and the count of auto-rickshaws are now at 1.13 lakhs.
Read less
Renew Car Insurance in Delhi
9000+
Cashless Garages
2900 Crore+
Paid-in Claims
1.2 Cr+
Policies Sold
Up to 90% Off
with PAYD Add-On
This is a {{carWheelerCtrl.localStorageValues.product}} reg no, please enter a private car reg no.
I agree to the Terms & Conditions
Buy Online for Huge Savings
Check Price
×
Car insurance Online, Up to 90% Discount
This is a
{{carWheelerCtrl.localStorageValues.product}} reg no, please enter a private car reg
no.
It's a Brand New Car
9000+
Cashless Garages
2900 Crore+
Paid-in Claims
1.2 Cr+
Policies Sold
Why Do You Need Car Insurance in Delhi?
Let's look at some of the challenges faced by car owners in Ahmedabad which makes having a valid car insurance policy even more important.
Congestion
Thanks to Delhi’s massive and unimaginable population, there are private and public vehicles always on the road. This city is always up and running. Even though the Delhi police has taken the initiative to free up congestion by 2020, it is a dream which is hard to fulfil. Private cars are growing in numbers and that’s why the number of road accidents is always on the rise.
Strikes & Protests
Being the political hub of India, there is always a chance of strikes and protests which may cause riots. So the vehicles always stand vulnerable to get damaged in such man-made chaos.
Pollution
The weather is not always a stronghold in Delhi. This metropolitan city in India is known to have the highest pollution rate in the world, which is affecting its weather to a great extent. Its generic climate is an overlap between monsoon based humid subtropical and semi-arid arena with high variation between winter and summer temperatures. So, chances are high that such bad weather conditions will affect the roads drastically, ending towards negative results.
Theft
With such growing numbers of cars, theft and robbery are common here. A news report was placed in July 2019, where robbers hit a Jaguar car from behind and then snatched the car at gunpoint. Such news can not be stated as uncommon in such a busy and heavily populated city like Delhi.
Rising Risk of Road Accidents
In Delhi, road accidents continue to pose a significant threat to both drivers and pedestrians. Common issues like road encroachments only add to the danger. Given these conditions, car owners must invest in a comprehensive car insurance policy with Personal Accident (PA) cover. This ensures financial support in case of injury or loss of life due to an accident. So, if you own an expensive car and want to keep it protected, nothing can beat the importance of car insurance. Even if anything happens to your vehicle, you will get the damages covered with ease.
How Can Digit Insurance Save Your Car in Delhi?
Digit insurance follows a complete online procedure for everything. From buying to claiming everything can be done at the comfort of your smartphone. This is completely suitable for the fast-paced lifestyle of Delhi. Other advantages include:
Choice of Insurance: Three types of car insurance are at your disposal:
- Third-Party Insurance: When you are at fault and caused bodily injury or property damage to a third-party, this policy will settle the TP claim on your behalf.
- Comprehensive Insurance: This has two components in it: Own Damage Cover & Third-party Cover. This covers the cost of damage to your own car (caused by accidents, natural calamities, thefts, fires, etc) and the third-party liabilities 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.
- Law Abiding: It is mandatory to have third party insurance and carry a copy of the same while on the road. Driving without insurance will invite a penalty of up to Rs.2000 and it is not something you can get away within the city of Delhi.
- Complete Coverage at Your Service: You will get your car protected from theft, accidents and fire under a comprehensive package. Delhi being a politically volatile place, chances of disturbances are higher in which your vehicle may get damaged. So a comprehensive plan will keep you ready to face such unfavourable situations.
- Add-on Covers Suitable for Delhi: Thanks to add-ons from Digit Insurance, now your car gets a broader cover in Delhi. “Zero-dep Cover” is perfect for those cars which are less than 5 years old. Zero depreciation helps in nullifying the depreciation charged on cars and its parts. So, you will receive complete value of costs, repairs and replacements during a claim. Return to invoice is another add-on relevant for Delhi since thefts are high in Delhi. Add-ons like passenger cover, breakdown assistance may also be opted for additional safety.
Why Choose Car Insurance in Delhi 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 Delhi?
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 Delhi
Following are the car insurance add-ons available in Delhi:
What’s not Covered in Digit Car Insurance in Delhi?
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 Delhi
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/Renew Car Insurance in Delhi 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 Delhi
Here’s the list of Digit's top 25 cashless garages in Delhi, 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 Delhi
Here is the list of office addresses in Delhi as of August 5th, 2025: