Car Insurance in Ghaziabad
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Being the largest city in western Uttar Pradesh, Ghaziabad is prone to heavy traffic. Several cars run on the roads of Ghaziabad every day, leading to traffic congestion.
Every car owner must opt for the mandatory third-party liability insurance policy as per the Motor Vehicles Act, 1988. This policy will cover the expense for damages caused by your car to third-party properties or lives.
While looking for a car insurance provider, you will come across several big names, including Digit Insurance. With Digit, you can choose third-party and comprehensive car insurance according to your requirements or budget. A comprehensive policy covers both third party and own damages.
The third-party car insurance provides coverage for expenses due to third-party liabilities. Continue reading for detailed information.
“The Gateway of Uttar Pradesh”, Ghaziabad is a crowded city in Northern India. It is a vast and modern city, connected by railways and roads and it is the authoritative central station of Uttar Pradesh. This city impresses with the urbane culture and dynamic industries.
Ghaziabad is a place for a lot of industries such as electric locomotive and EMU trains, bicycles, pottery, paint and varnish, metal chains, etc. A majority of the citizens from the City engage in the above industries for fulfilling their livelihood. Apart from that, Ghaziabad is all set to host visitors for its numerous shopping malls, restaurants, and night-clubs.
Why Do You Need Car Insurance in Ghaziabad?
Let's look at some of the challenges faced by car owners in Ghaziabad which makes having a valid car insurance policy even more important.
Industrially Polluted City
Ghaziabad is a city full of different industries. Those industries produce a huge amount of pollution. The urbanization of the city has increased the number of vehicles, especially four-wheelers. Both of these factors produce heavy pollution and smog in a combined manner. So to eradicate such situation the Government continuously forces to replace or repair the car engines or cars. According to the RTO, a user can use his car up to 15 years but due to pollution, the life span of the car decreases.
Rough and Reckless Driving
As the fastest-growing city in Uttar Pradesh, Ghaziabad is highly populated. Recently, the traffic police have fined 1016 vehicles for various traffic rule violations. Out of them, one-third are from drunk-driving cases which can cause up to a 15000 fine. According to a survey, it is found that Ghaziabad has witnessed 374 road accidents, which led to 151 fatalities, in the last five months of 2019, and the reason behind such disaster is the rough driving, drink and drive and many more. Hence, car insurance is essential along with a PA cover to protect you in such a situation. Also, a separate health insurance can be beneficial for such medical emergencies due to accidents.
Deadly Potholes on Road
Due to a significant number of industries in Ghaziabad, the heavy-duty trucks and lorries are involved in exporting and importing materials that put a huge load and create a large number of potholes on the poorly constructed roads. The road condition of Ghaziabad is worsening every day because of this reason. These potholes can damage any car and can create an unsatisfactory journey.
Why Choose Digit for Car Insurance in Ghaziabad?
Nowadays, car insurance is a compulsory proceeding that one should follow after buying a car. Car is a valuable asset for every owner. So it is quite obvious to insure your car. Digit car insurance online will surely assist you to insure your car in an easy and hassle-free online way.
Choice of Insurance: There are three types of insurance that you can choose for your car:
- Third-Party Car Insurance: This policy takes the responsibility of paying the third-party claims on your behalf when you are responsible to cause bodily injury or property damage to them.
- Comprehensive Car Insurance: This policy helps you to recover the cost of own damage to your car caused by accidents, thefts, natural calamities, vandalism, etc. The third-party coverage is also included under this policy.
- 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.
- Penalty Avoidance: To drive legally on the Indian roads, It is compulsory to have third-party car insurance in India. The penalty amount for driving without insurance is ₹2000 or/and imprisonment for 3 months for such offence. It is impossible to get away with driving without valid insurance on the roads of Ghaziabad.
- Protection Under the Comprehensive Cover Plan: Opting for a comprehensive insurance policy in Ghaziabad is always preferable as it protects you from third-party liabilities and also covers for damages due to the above-mentioned challenges. Meanwhile, it is a complete shield that provides complete coverage against damages to your car, third party liability and also damages caused due to natural calamities, thefts, fire, accidents, and vandalism.
- Add-ons Suitable for Ghaziabad: To get the extended benefits of comprehensive cover, you can include various add-ons. Suppose your car faces a breakdown after you bumped into a deadly pothole on a road of Ghaziabad, what will you do? If you have a comprehensive policy with a Breakdown Assistance add-on then you can call for the help. Considering the fatalities in the road accidents in Ghaziabad, the Personal Accident Cover becomes essential. This will take care of your financial liabilities if you suffer from a permanent disability or death in an accident. Similarly, there are other add-ons named Engine & Gearbox Protection, Consumable Cover, etc are available that you can explore.
Why Choose Car Insurance in Ghaziabad 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 Ghaziabad
Following are the car insurance add-ons available in Faridabad:
What’s not Covered in Digit Car Insurance in Ghaziabad?
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 Ghaziabad
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 |
×
|
✔
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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 |
✔
|
✔
|
×
|
|
Damages to Third-Party Property |
✔
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✔
|
×
|
|
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 Ghaziabad 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 Ghaziabad
Here’s the list of Digit's top 25 cashless garages in Ghaziabad, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.