Car Insurance in Hyderabad
9000+ Cashless Garages
96% Claims Settled (FY 24-25)
Buy or Renew Car Insurance in Hyderabad Online, Up to 90% off
Hyderabad is the capital and the largest city of Telangana and is known for its rich Nizam heritage, culture and monumental structures. Hyderabad is also known as the "City of Pearls". There are several significant attractions like Charminar, Mecca Masjid, Golconda Fort, etc.
The city is a major hub of trade and commerce of the country and is known for its IT sector. There is a massive inflow of students, skilled workers, tourists and professionals from all over the country. Besides the growing population, the city suffers from a poor drainage and sewage system. This makes accidents, fatalities and other mishaps quite frequent.
Vehicle theft due to lack of parking space is another major cause of concern.
Thus, purchasing a car insurance policy for your vehicle becomes essential if you own a car in Hyderabad.
Digit is one of the most trusted motor insurance providers in the country.
Why Do You Need Car Insurance in Hyderabad?
Let's look at some of the challenges faced by car owners in Hyderabad which makes having a valid car insurance policy even more important.
Urban Congestion
Hyderabad, a booming tech and cultural hub, faces intense traffic congestion, especially in areas like HITEC City, Jubilee Hills, and Secunderabad. With a growing population and rapid urbanization, the city’s roads are often clogged with private vehicles, autos, buses, and two-wheelers. Ongoing infrastructure projects like flyovers and metro expansions add to the chaos, increasing the risk of minor collisions and fender benders. Car insurance becomes a safety net in such high-risk traffic zones.
Unpredictable Weather
Hyderabad’s climate swings between scorching summers and heavy monsoons. While the city enjoys relatively moderate weather for most of the year, the monsoon season from June to September can wreak havoc. Waterlogging, slippery roads, and poor visibility during rains lead to frequent accidents. Moreover, flash floods in low-lying areas like Begumpet and Nampally have damaged vehicles in the past. Comprehensive car insurance helps cover repair costs from weather-related damages.
Rising Vehicle Theft
Vehicle theft is a growing concern in Hyderabad, particularly in densely populated neighborhoods and commercial zones. Areas like Ameerpet, Kukatpally, and Dilsukhnagar have reported multiple cases of car break-ins and stolen accessories. In 2023 alone, Hyderabad police registered hundreds of vehicle theft cases, many involving high-end cars and SUVs. Having car insurance with theft protection ensures financial recovery in case your vehicle is targeted.
Poor Road Conditions
Despite development, several parts of Hyderabad still suffer from pothole-ridden roads and uneven surfaces. Monsoon rains further deteriorate road quality, making driving hazardous. Sudden jolts from potholes can damage tires, suspension systems, and undercarriages. Insurance coverage for accidental damage can save drivers from hefty repair bills.
Why Choose Car Insurance in Hyderabad 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 Hyderabad?
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 Hyderabad
Following are the car insurance add-ons available in Hyderabad:
What’s not Covered in Digit Car Insurance in Hyderabad?
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 Hyderabad
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 BuyRenew Car Insurance in Hyderabad 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 Hyderabad
Here’s the list of Digit's top 25 cashless garages in Hyderabad, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.
Why Should You Get a Digit Car Insurance Plan in Hyderabad?
Here are the benefits that you can utilise when you opt for a Digit car insurance online policy:
- Simple and Fast Claim Settlement Process: The claim settlement process of Digit is simple and quite fast. Digit has introduced the smartphone-enabled self-inspection feature that makes the entire process hassle-free. Here's what you need to do. Just call us on the provided toll-free number to receive a link in your registered contact details. In the next step, you will have to follow the step-by-step procedure to click and upload pictures of damaged areas of your car. Upon receiving those pictures, our executives will get back to you with an estimate. You can then pick the mode of repair as per your requirement. The online process of raising a claim against the Digit car insurance plan is extraordinarily hassle-free and time-saving. It just takes a few minutes to complete the process as it does not involve the manual filing of forms and submission of numerous documents.
- Thousands of Pan India Network Garages: When you choose the Cashless mode of repair, you can have the repairs done from any of the thousands of Digit's network garages available across India. You will be able to have the car damages fixed easily without you paying any extra amount. You will also get a six months warranty on any car repairs that are conducted in one of Digit's network garages.
- 24/7 Customer Support: Feel free to contact our team for any queries about your car insurance plan. We have kept our helpline portal open 24/7. Furthermore, Digit's customer care representatives are available on national holidays to offer you assistance with any insurance-related doubt.
- Choice of IDV Customisation: Digit lets you customise your car's IDV or Insured Declared Value according to your convenience. The IDV directly influences the premium amount and the sum insured you pay for your policy. Since IDV is the maximum amount of compensation you will get from your insurer in the event of car theft or total loss, make sure to set the IDV carefully.
- Hyderabad’s Growing Road Accident Risk: Road safety in Hyderabad remains a pressing concern, with frequent accidents endangering both motorists and pedestrians. In light of these challenges, vehicle owners need to secure a comprehensive car insurance policy that includes Personal Accident (PA) cover. This not only offers financial protection in case of injury or fatality but also brings peace of mind. Additionally, having a reliable health insurance plan ensures broader coverage for medical expenses, extending beyond accident-related care to everyday health needs.
How Can Digit Car Insurance Save Your Car in Hyderabad?
There are various ways in which Digit car insurance can help you stay protected from unwanted troubles:
- Avoid Legal Complications: As per the Motor Vehicles Act, 1988 of India, every vehicle owner must have at least a third-party insurance plan. Driving without any motor insurance plan will attract a hefty penalty of ₹ 2,000 that can go up to ₹ 4,000 in case of repeated offence. In some situations, it may lead to 3 months of imprisonment or even cancellation of driving license.
- Various Car Insurance Plans: When you choose Digit as your car insurance provider, you can select from the available three types of plans:
- Comprehensive Car Insurance
- Third-Party Car Insurance
- Own Damage Car Insurance
All plans come with different features, coverage benefits, and the cost involved also vary.
- Personal Accident Cover: A personal accident cover is mandatory for every vehicle owner buying motor insurance plan. This cover offers financial support in case of any injuries, permanent disabilities or death caused by a car accident. Hence, consider getting a personal accident cover from Digit to protect your family financially in hard times.
- Customise With Add-ons: If you select a comprehensive car insurance plan, you can customise your policy with add-ons. These add-ons offer extended coverage that comes in handy in various circumstances. Do remember that the policy premium will increase slightly if you choose to get add-ons. For example, on choosing roadside assistance, you will get financial coverage for expenses incurred on repair services you avail due to sudden vehicle breakdown. There will be coverage for towing services, taxi services and more. Digit will provide you with fuel assistance if required. Some of the other add-ons are zero depreciation cover, tyre protect cover, passenger cover, etc.
Digit Insurance Registered Offices in Hyderabad
Here is the list of office addresses in Hyderabad as of July 31st, 2025