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Car Insurance in Howrah
Howrah, the second largest city in West Bengal, is a major transportation hub and gateway to Kolkata. It houses the Howrah Railway station, which is the oldest and biggest existing railway complex in India. It is also the headquarters of the Howrah district.
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Vehicle owners in this area face major challenges due to high population, excessive traffic, poor road conditions, rash driving and bad traffic management. Vehicle thefts also take place frequently. So, if you are a car owner in Howrah, you need to have a car insurance policy to make sure that you have enough financial coverage in the event of an accident or theft. If you are looking for a motor insurance provider, you can end your search with Digit. We give you the option to customise the IDV of your vehicle based on your convenience.
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Renew Car Insurance in Howrah
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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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 Howrah?
When you purchase a car insurance online policy from us, we offer the following benefits:
- Option To Customise Your Vehicle’s IDV: The Insured Declared Value or IDV of your car influences the sum insured and premium of your vehicle insurance policy. Thus, we give you the option to customise it according to your convenience. Remember to select a suitable IDV. The more the IDV, the more would be your sum insured and policy premium.
- Online Claim Settlement Process: All the claims raised against our car insurance policies are settled by us online. Our smartphone-enabled self-inspection process makes claim settlement quick, paperless and hassle-free. You simply have to call us in order to get a link to your registered contact number. Then, you need to follow a step-wise guide and upload pictures of the damaged portions of your car. Our team will assess the situation and get back to you with a quote. After that, you can choose to either get a Reimbursement or go for Cashless Repairs. The simplicity of our claim settlement process has helped us maintain a high claim settlement ratio when it comes to car insurance.
- 24/7 Customer Assistance: Our customer assistance team is available 24 hours a day to provide assistance to our customers. Call us for any queries that you may have related to your car insurance policy, and we will be happy to help you out. Furthermore, even if you call us on a national holiday, we will happily take up your case.
- Thousands of Network Garages Pan India: Digit has thousands of network garages all over India. When you opt for Cashless Repairs, you can take your damaged car to one of these garages, and they will do the necessary repairs. In addition, all the repair work done by our network garages has a warranty of 6 months on them. Your car gets fixed without any extra spending from your end.
How Can Digit Insurance Save Your Car in Howrah?
Besides providing financial cover after an accident, a car insurance policy has other roles too:
- Avoiding Legal Penalties: The Motor Vehicles Act of 1988 made it compulsory for vehicle owners to purchase a third-party cover. If you drive your car without a valid vehicle insurance policy, the authorities may punish you with a penalty of ₹ 2,000. Additionally, if you repeat this offence, this fine will rise to ₹ 4,000. In some rare cases, the authorities may also decide to suspend your driving licence and punish you with a 3-month jail sentence. Hence, apart from sudden financial loss due to unforeseen mishaps, a car insurance policy also saves you from unnecessary legal hassles.
- Select From Various car Insurance Policies: Digit has three types of vehicle insurance policies:
- Third-Party Car Insurance: A third-party car insurance plan provides financial coverage for damages by your car to third-party vehicles, properties or individuals.
- Comprehensive Car Insurance: A comprehensive car insurance plan provides financial cover for expenses due to damages to your vehicle and third parties in the event of any mishap.
- Own Damage Car Insurance: 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.
- Add-ons To Extend Policy Coverage: Digit gives you the opportunity to extend the coverage of your car insurance policy with the help of add-ons. When you purchase a comprehensive car insurance policy, you can buy add-ons for nominal extra costs. They provide you with multiple benefits and help you out in a number of situations. For example – return to invoice cover. There can be situations in which your car gets totalled or damaged beyond repair in the event of a mishap. In such cases, if you have this add-on in your car insurance policy, we will pay the entire amount mentioned on the invoice. Other add-ons include zero depreciation cover, consumable cover, roadside assistance cover, etc.
- Personal Accident Cover: Having a personal accident cover is necessary when buying a motor insurance plan. It is a compulsory extension that you have to choose while purchasing a vehicle insurance cover as per the law. In case you suffer from bodily injuries or permanent disabilities due to an accident, this cover provides financial coverage for your medical expenses. In the event the car owner dies, the nominee will receive the necessary compensation. Therefore, a PA cover will provide financial security for your family. Also, having separate health insurance can help you cover the expenses during such situations.
Why Choose Car Insurance in Howrah 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 Howrah?
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 Howrah
Following are the car insurance add-ons available in Howrah:
What’s not Covered in Digit Car Insurance in Howrah?
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 Howrah
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 Howrah 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 Howrah
Here’s the list of Digit's top 4 cashless garages in Howrah, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.