Car Insurance in Indore
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According to the Motor Vehicles Act of 1988, car owners need to have at least a third-party insurance policy. A car insurance policy is especially important if you are a vehicle owner in Indore, the largest city in Madhya Pradesh. The people here prefer to commute in their private cars, and thus the city's roads remain gridlocked throughout the day.
Having a car insurance policy will make sure that you do not have to face financial losses due to expenses arising out of unforeseen accidents. There are many insurance policy providers that you can choose from while opting for a car insurance policy. Among them, Digit is a name that you can trust.
The trading hub of India, Indore is located in the heart of our country. Indore, the largest city of Madhya Pradesh offers the best view of majestic palaces co-existing with commercial centres. Apart from being considered as the state's commercial capital, the food capital of India is also famous for a mouth-watering culinary experience. Tourists across the world come to devour the delicious food of India as well as to get the royal experience of such Shining city.
Fast-paced development has caused a significant rise in the vehicle count. According to a report from the road transport department, 4,63,062 vehicles have been registered during the last 3 years. 423 new vehicles hit the roads in Indore every day.
Why Do You Need Car Insurance in Indore?
Let's look at some of the challenges faced by car owners in Indore which makes having a valid car insurance policy even more important.
They Got Stuck in the Traffic
As Indore is developing at a fast pace, It’s high time to eradicate the traffic problem. There is no traffic signal in the city that works in a structured way. Vehicles and people pop out from everywhere. Going through that road looks like some kind of snake and ladder game which is very dangerous for the driver and the other people on the road as well. Big commercial vehicles block the road all the time which causes huge problems for the pedestrian as well as the car owners.
Bad Road Condition
Another major problem faced by the car owner is the bad road condition. Driving through the city can be painful because of the poor condition of the road which can lead to the damage of the vehicle as well as can cause accidents. The streets of the Indore are full of potholes and dirt, garbage all over the road. Even in monsoons, most of the roads get damaged and become dangerous for driving.
Car Theft on the Rise
Car thefts in Indore are growing day by day. Not only that Indore car owners are facing an issue of valuables being stolen from the cars. Thieves are stealing the luxury car logos and selling them at 60% of the original price in the black market.
Why Choose Digit for Car Insurance in Indore?
Want to save your car from any disaster or theft? Well yes, you can do that easily with the Digit car insurance. You can buy digit car insurance in Indore online which can be a shield to your car and protects your car from every odd. Digit insurance provides various types of insurance policies that you can choose according to your needs.
Choose from Three Types of Car Insurance Policies:
- Third-Party Liability Policy: It covers the third party claims if you are held responsible for their property damage, bodily injury or even death.
- Comprehensive Car Insurance: It covers your car from damages caused by accident, fire, flood, theft, riot or events alike. The third-party liability is covered under this as well.
- 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 Fines: In India, Third-party car insurance is a legal obligation. In the absence of insurance, a car owner will suffer from a Fine of Rs.2000 or/and imprisonment of 3 months for the first offence and Rs.4000 for the subsequent offence or/and imprisonment of 3 months. In the worst cases, it can also lead to the cancellation of the license.
- Comprehensive Policy to Protect Your Car: In Indore, where car owners face many challenges as mentioned above, a comprehensive car insurance policy can be a saviour. This policy covers the cost of damages to the car in unfavourable conditions like accidents, thefts, riots, floods, cyclones. Owing to the bad road conditions coupled in traffic in Indore, car owners should go for a comprehensive policy.
- Add-ons Suitable for Indore: Bad road conditions may result in break-down of your car, so breakdown assistance cover can be really helpful in Indore as you can ask for 24X7 roadside assistance against this add-on. Also, Return to the invoice will be a wise option to face any unfortunate event like a theft.
- Personal Accident Cover: When purchasing motor insurance, opting for a Personal Accident (PA) cover isn’t just a smart choice, it’s a legal requirement. This essential cover provides financial protection in case you suffer injuries, permanent disability, or even death due to a road accident. This not only supports your recovery but also secures your family’s financial future. Additionally, having a separate health insurance policy can further ease the burden by covering a wider range of medical costs beyond accident-related treatment.
Why Choose Car Insurance in Indore 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 Indore?
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 Indore
Following are the car insurance add-ons available in Indore:
What’s not Covered in Digit Car Insurance in Indore?
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 Indore
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 Indore 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 Indore
Here’s the list of Digit's top 25 cashless garages in Kannur, 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 Indore
Here is the list of office addresses in Gurgaon as of July 31st, 2025