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Car Insurance in Gurgaon
Gurgaon has the second largest IT hub and the third largest banking and financial hub in India. Most of the city’s population prefers to use cars as their means of transport. As a result, this city’s roads experience traffic congestion round the clock.
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Being a vehicle owner in Gurgaon, having a car insurance plan is crucial for tackling financial losses due to unforeseen accidents. Moreover, the Motor Vehicles Act 1988 mandates all vehicle owners to purchase at least a third-party insurance plan. In case you are looking for a car insurance policy, Digit is a great option to consider. With its online claim settlement process and high claim settlement ratio Digit is an ideal option for buying car insurance plans. India’s leading Industrial and Financial hub Gurgaon is famous for its various industries. Gurgaon is also one of the leading automobile manufacturer cities in India. Every year thousands of people are coming to this city because of vast job opportunities in multiple industrial sectors. Gurgaon generates enormous revenue, so the city is considered as one of the highest contributors to GDP in India. Being the biggest automobile producer, it attracts many investors and businessmen to settle their business in Gurgaon.
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Renew Car Insurance in Gurgaon
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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9000+
Cashless Garages
2900 Crore+
Paid-in Claims
1.2 Cr+
Policies Sold
Why Do You Need Car Insurance in Gurgaon?
Let's look at some of the challenges faced by car owners in Gurgaon which makes having a valid car insurance policy even more important.
Frequent Road Accidents
Road accidents are a significant disaster in Gurgaon, which requires attention and care. Renowned as a major industrial city, more than 50% of the population uses four-wheelers, as an increasing number of people opt for private vehicles for their daily commute over public transportation. As per the records, 442 people lost their lives in 1,214 road accidents in 2018 in Gurgaon. So, a road accident can be a terrible thing for the car owners in Gurgaon. Hence, having car insurance with personal accident cover is essential. Or, you can have a comprehensive health insurance policy that provides hospitalisation cover during an accident.
Traffic Problems in Gurgaon
Being a crowded city and poor management of traffic, causing trouble to the drivers daily. The adverse road conditions and potholes just worsen the situation even more. Recently a piece of the news reveals Gurgaon’s population is estimated to reach 30 lakh by 2030, and hence the mobility plan should be revised. Increase in disorganized parking, absence of mass transit systems, lack of pedestrian and cycling infrastructure, a gradual increment of the commercial vehicle lead to clogging of the road in high volume.
Car Theft
The leading automobile manufacturer city has some serious issues regarding car theft. An analysis of vehicle theft data shows that some regions of Gurgaon are vulnerable to car thefts. According to the statistics, seven vehicles are stolen in Gurgaon every day, making vehicle theft the most-often reported crime in the Millennium City.
Why Choose Digit for Car Insurance in Gurgaon?
To save your car from theft, damages and other disasters in this vulnerable city, you just need to insure your car. Digit car insurance online helps you save a lot more than you can imagine. Digit provides a hasslefree online process for car insurance without any middlemen.
Choice of Insurance: You can choose from three types of car insurance policies:
- Third-Party Liability: This insurance pays for you when you are legally held responsible for bodily injury or property damage to any other party.
- Comprehensive Policy: This policy covers your expenses for damage to your own car along with the third-party liability.
- 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: With the changing traffic laws and substantial penalties, it is compulsory to have a third party car insurance in India. Without car insurance in Gurgaon, you'll be fined Rs.2000 for the offence. And, for subsequent offences, the penalty increases to Rs.4000. It also leads to imprisonment for up to 3 months and cancellation of the driving license. Digit's Third-party insurance can save you from paying such hefty fines.
- Comprehensive Policy to Protect Your Car: Car owners in Gurgaon often face the challenges mentioned above in their day to day life. To avoid such obstacles, a Comprehensive policy is the most appropriate choice. It is a complete package that offers coverage against damages to your car and third party liability as well. This policy also covers any damage caused due to natural and man-made calamities, thefts, fire, accidents. In short, Comprehensive insurance is the needed shield for your car in Gurgaon.
- Add-ons Suitable for Gurgaon: You can include multiple add-ons to broaden the coverage. Considering the fatalities in the road accidents of Gurgaon, the Personal Accident Cover becomes essential. This will take care of your financial obligation if you suffer from a permanent disability or death in an accident. The Return to Invoice add-on is a good choice to dodge the challenge of theft in Gurgaon, which will pay you the full amount of the car in case of theft. There are other add-ons that include breakdown assistance, consumable cover, etc.
Why Choose Car Insurance in Gurgaon 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 Gurgaon?
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 Gurgaon
Following are the car insurance add-ons available in Gurgaon:
What’s not Covered in Digit Car Insurance in Gurgaon?
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 Gurgaon
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
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Damages/Losses to own car due to an accident |
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✔
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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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✔
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Damages to Third-Party Vehicle |
✔
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✔
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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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×
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Injuries/Death of a Third-Party Person |
✔
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✔
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×
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Theft of your car |
×
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✔
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✔
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Customize your IDV |
×
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✔
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✔
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Extra protection with customized add-ons |
×
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✔
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✔
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Know more about the difference between comprehensive and third party insurance
How to Buy Car Insurance in Gurgaon 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 Gurgaon
Here’s the list of Digit's top 25 cashless garages in Gurgaon, 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 Gurgaon
Here is the list of office addresses in Gurgaon as of July 31st, 2025