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Car Insurance in Kolkata
The Motor Vehicles Act of 1988 has made it essential for all vehicle owners in India to purchase at least third-party insurance policies. It makes sure that you do not have to face financial losses due to accidents or other mishaps on the road.
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If you are a car owner in the city of Kolkata, the business and financial hub of Eastern India, having a car insurance plan is essential. When you look for a car insurance plan, there are a lot of big names in the market. Among them, Digit is a company that stands out. It has thousands of network garages all over India. If you want to know more about Digit and its car insurance plans, read on. Even the utterance of the word Kolkata takes us all back to the pre-independence era. India’s former capital and the busiest city that has entitled to ‘City Of Palace’ - Kolkata. The city ranks 3rd in India for the establishment of Metropolitan City. The underwater metro project was inaugurated for the very first time in Kolkata under the river Hugli. Indian Museum, Netaji Bhavan, black hole, science city, are the places that invite tourists from around the world. And Bengal Tigers are always welcoming to wildlife enthusiastic. Kolkata in terms of transportation and commute has made its mark in record books. Netaji Subhas Chandra Bose international airport is the 5th busiest airport in India that renders services to about 19.9 million passengers annually. In such a city, driving a private car without precautions would result in disaster, literally. Stats already showcase that around 5,000 road accident deaths are caused annually in West Bengal, recording the maximum number of road mishaps, according to the Ministry of Road Transport and Highways.
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Renew Car Insurance in Kolkata
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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Car insurance Online, Up to 90% Discount
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9000+
Cashless Garages
2900 Crore+
Paid-in Claims
1.2 Cr+
Policies Sold
Why Do You Need Car Insurance in Kolkata?
Let's look at some of the challenges faced by car owners in Kolkata which makes having a valid car insurance policy even more important.
Poor Road Construction
The city of Palace, unfortunately, fails to construct the roads to the palace. Car Drivers have been reporting about the poor and narrower road construction in the city. Although the ministry of roads has seen to be taken in charge of the same, road accidents are still persisting.
Disobedience of Traffic Rules
Due to political influence especially, traffic rules are seldom followed. The government appeared to be reactionary by installing certain speed limits on the roads. However, only commercial vehicles have resulted to follow them.
Roads Dense with Commercial Vehicles
Kolkata carries heavy roads with good carriers. About 45% of the road traffic is occupied with commercial and heavy vehicles. As a result, private cars get only 50% of the road to use.
Political Disturbances
Kolkata often hits the news because of the political disputes and strikes performed by many trade unions. Sometimes such situations lead to riots in which private properties like cars suffer from massive damages.
Cyclone & Flood
As part of Bengal, Kolkata is always vulnerable to cyclones formed in the Bay of Bengal. Cyclone “Fani” was the recent one that caused damage to properties. Kolkata is consistently listed among the most flood-prone coastal cities and is situated on the banks of the River Hooghly. Hence, a vehicle insurance with PA cover is necessary to provide you with coverage during such a situation.
How Can Digit Insurance Save Your Car in Kolkata?
- Car Insurance Policies in Kolkata: As the political influence is already high in the city, you cannot withstand the claim unless you yourself have a political backup or Third-party Liability Policy. The compensation of your car damage can be managed with Digit Comprehensive Policy.
- Precaution is Better than Penalties: Across India, ₹2000 is charged fine against the car driver who drives without third-party car insurance. If the amount is unpaid, the driver may be imprisoned for 3 months for the first time. And ₹.4000 and/or imprisonment for 3 months if it’s the second time. Digit third party car insurance assures you the safety against the accused damage to any third party vehicle.
- Add-ons Suitable for Kolkata: With Digit car insurance online policy, you can always choose various car insurance add-ons suitable for Kolkata. For instance, “Return to invoice” can be really helpful if you suffer from a complete loss of car during political disturbances. You can add “Engine protection cover” to fight heavy rains and flood conditions.
- Comprehensive Car Insurance Policy for Private Cars: In case the habitats of Kolkata happen to hit you up, Digit Comprehensive car insurance in Kolkata will compensate for your car damage loss. The Comprehensive insurance policy covers both, third-party damages and your own car damage.
- 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.
Why Choose Car Insurance in Kolkata 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 Kolkata?
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 Kolkata
Following are the car insurance add-ons available in Kolkata:
What’s not Covered in Digit Car Insurance in Kolkata?
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 Kolkata
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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Know more about the difference between comprehensive and third party insurance
How to Buy Car Insurance in Kolkata 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 Kolkata
Here’s the list of Digit's top 25 cashless garages in Kolkata, 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 Kolkata
Here is the list of office addresses in Kolkata as of July 31st, 2025