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Car Insurance in Jammu
Jammu is the winter capital of the Union Territory of Jammu and Kashmir. People call it the city of temples, and it thrives on tourism. The roads of this city experience high traffic conditions most of the time, and thus for a vehicle owner in this city, having a car insurance policy is crucial.
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A car insurance policy ensures that you do not suffer from financial setbacks in case of an accident. Moreover, the Motor Vehicles Act of 1988 has made it mandatory for all car owners to own atleast a third-party insurance cover. If you are considering buying a car insurance policy, there are many big names to choose from. A reliable one among them is Digit. Read on to find out more. Home to monks, great meditators and mystics. Jammu is the winter capital of the state and is especially known for its pilgrimage. The main attraction of Jammu that lures the millions is temples here. Particularly the Vaishno Devi Temple in Katra is visited by over 10 million pilgrims every year. This visit encourages Jammu as the most travelled city in India. Despite its breathtaking beauty, Jammu’s mountains and peaks are gorgeous. The altitude and turns that these hills are carved with are dangerous enough to make the city hold a record of the highest number of accidents. Jammu and Kashmir rank second across India in the tally of road accidents per 10,000 vehicles with an average of over 900 deaths every year in the last five years, according to the union ministry of road transport and highways.
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Renew Car Insurance in Jammu
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 Jammu?
Let's look at some of the challenges faced by car owners in Jammu which makes having a valid car insurance policy even more important.
Steep Hills
Although it's a boon of nature over Jammu to have such mesmerising beauty. The same nature has also turned a bane for many travellers. These hills and roads witness hundreds, if not thousands, of accidents every single month. To protect your vehicle and health, you must have car insurance with personal accident (PA) coverage.
Traffic Across the World
Too many vehicles are gathered here in Jammu, from across the world. From a tourist perspective and from a pilgrimage point of view, this place is been significantly serving both. In the seek of peace and harmony, this city has traffic from different places and hence the traffic discipline becomes hard to maintain. In this situation at least one or two-car has to get crashed.
Kind Neighbours
India is blessed with amazing neighbours who never fail to interrupt the intranational activities. Sarcasm is very much intended though. However, Road Accidents Killed 46% More People In J&K Than Armed Violence Over 13 Years.
How Can Digit Insurance Save Your Car in Jammu?
Digit Car Insurance comes with the package of car insurance policies that are designed especially for Jammu. While travelling for trips, your travel modem is the most concerned stuff. Without a car, neither the journey nor the trip could be enjoyable. Here is where Digit's car insurance online safeguards your car and a journey.
- With Digit Car Insurance Policies You are Safer: Third-party Liability Policy that stays by your side even if you have crossed boundaries but not the rules. When you are blamed for the damage of physical injuries or property damage to any other party, Digit Third-party car insurance policy pays you on behalf of you. Whilst if your own car is damaged, Digit Comprehensive Policy helps you out with customizable add-ons to flexibly and efficiently extend the car insurance coverage.
- Saves You on Traffic Fines: To have a third party car insurance in India while you are driving legally on the roads is must-have stuff. As the fine charged for driving a car without insurance on Indian roads is ₹2000 and/or imprisonment for 3 months if caught for the first time. And ₹.4000 and/or imprisonment for 3 months if it’s your second time. Having Digit 3rd party car insurance saves you from that extra undue amount of liability which may arise if you are held responsible for the loss of any third party but do not cover any damage to your car.
- Safeguard Your Car with the Comprehensive Insurance Policy: When driving on the hills with steep curves, Comprehensive car insurance in Jammu will protect your car against many traffic happenings. The policy covers third-party liability and damages to your own car as well. This ensures the safety of your car in natural calamities as snowfalls or even man-made damages if any. This cover is a must in a politically disturbed region like Jammu.
- Claim the Add-ons Applicable for Jammu: When in Jammu, you might not be aware of the rules there. With Digit car insurance, you have a provision to claim the add-ons that are suitable to Jammu terrain. For instance, a “Breakdown Assistance” can be very helpful if your car faces an engine failure and you are stuck in some hilly road.
Why Choose Car Insurance in Jammu 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 Jammu?
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
What’s not Covered in Digit Car Insurance in Jammu?
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 Jammu
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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×
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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 Faridabad 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 Jammu
Here’s the list of Digit's top 25 cashless garages in Jammu, 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 jammu
Here is the list of office addresses in Patna as of August 5th, 2025: