Car Insurance in Faridabad
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The Motor Vehicles Act, 1988 mandated that every car owner in India must purchase third-party car insurance. Considering the increasing traffic on roads, motor insurance can be beneficial to safeguard yourself from financial losses due to own damages and third-party liabilities.
If you are looking for a trusted car insurance provider with several added benefits, Digit is among one of the best. You can choose between a third-party and comprehensive insurance policy considering your budget and requirement. Keep reading for further information.
Faridabad is the largest city in Haryana and has a hefty population of 1,404,653. It has a literacy rate of 83.04% and noted as the major industrial hub of Haryana. Around 50% of the income tax in Haryana is collected from Gurgaon and Faridabad, which is enough to prove the importance this city holds.
This vibrant state comprises of a beautiful mix of culture and heritage with a special place for folklores. The fair-like setup in suburbs of Faridabad is a perfect heaven for crafts and artistic approaches. This city has a special sector dedicated to industrial arenas and development works, giving this city a completely new look and image. Here, the share of passenger vehicles is at 95.6% and goods vehicles are at 4.4%. So, this city is one super busy example to work with.
Why Do You Need Car Insurance in Faridabad?
Let's look at some of the challenges faced by car owners in Faridabad which makes having a valid car insurance policy even more important.
Congestion
With a population of 1,404,653, it is not hard to realize that this city has a hefty rate of traffic jams on a daily basis. With businesses flourishing all over the city, people are likely to get cars and other personal vehicles at their services all the time. During the morning office hours, it is common to wait in a traffic jam for a few minutes to hours, just to get to your destination.
Weather is Not Always Suitable
Faridabad has borderline weather of hot semi-arid climate. There are three typical Indian seasons here, which are hot or pre-monsoon season lasting from late March to late June, wet or monsoon season and lastly the cool or winter months. The monsoon seasons are the worst for roads. Not only that, but Faridabad is also noted for landslides, cyclones and floods, which are enough to degrade the condition of roads.
Increasing Theft Count
Every year, around 36,000 vehicles, amounting to 115 crores, are stolen, among which, only 14,500 are traceable. Due to the un-roadworthy conditions and growth in the robbery, car owners always have to live with fear in their minds. In June 2019, news came into the limelight where an auto-lifter was arrested with sixty cases of vehicle theft solved by the Faridabad police.
Escalating Road Safety Concerns in Faridabad
With road accidents on the rise in Faridabad, both drivers and pedestrians face increasing risks every day. In such an environment, having a comprehensive car insurance policy, especially one that includes Personal Accident (PA) coverage, is not only wise but also essential. Additionally, a robust health insurance plan complements this by covering a broader range of medical expenses, ensuring you're prepared for both accident-related and general health emergencies.
Why Choose Digit for Car Insurance in Faridabad?
Choice of Insurance: There are three types of insurance that car owners can go for:
- Third-Party Cover: This policy covers you when you are legally held responsible to cause bodily injury or property damage to any third-party.
- Comprehensive Insurance Policy: This policy covers the cost of damages to your own vehicle caused by accidents, natural calamities, fires, riots, thefts, etc and also pays for the third-party claims, when you are at fault.
- 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.
- Avoid Heavy Penalty: As it is mandatory to have third party insurance for car owners, driving without insurance will require you to pay up a fine of up to Rs.2000 in Faridabad.
- Comprehensive Coverage Option: Digit’s Comprehensive policy provides all-round protection to your vehicle. Your car will remain protected from fire, accidents, theft, third party losses and natural disasters like floods, cyclones and landslides that affect Faridabad. If you want to broaden the basic coverage then you can always choose multiple add-ons under this policy.
- Add-ons Suitable for Faridabad: Faridabad is known for its rash driving and congestion, which leads to an increase in the accident count. However, most of the time, repairing gearboxes or engines will not be covered unless the damage takes place during an accident. So, the engine and gearbox protection cover as an add-on will come handy. It will cover you against damages of the engine caused by the percolation of water into it during floods or cyclones in Faridabad.
Considering the rise in theft in the city the Return to Invoice add-on becomes essential as it will help you to recover the full value of the car in case of a theft. As a car owner from Faridabad, the most populated city in Haryana, you need to opt for a car insurance online which is provided by Digit.
Why Choose Car Insurance in Faridabad 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 Faridabad?
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 Faridabad
Following are the car insurance add-ons available in Faridabad:
What’s not Covered in Digit Car Insurance in Faridabad?
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 Faridabad
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 Faridabad 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 Faridabad
Here’s the list of Digit's top 25 cashless garages in Faridabad, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.