General
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Car Insurance in Kottayam
Kottayam, a city in Kerala, is the district headquarters of the Kottayam district. This city is home to many graceful churches, significant temples, soothing waterfalls, etc., which makes it a favourable vacation destination.
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Thus, it attracts tourists from all parts of the country. Many reasons constitute the rising traffic on the roads of this city, tourism being one of them. Moreover, the exceeding number of cars and other vehicles and heavy rainfall lead to congestion and increases the risks of accidents and mishaps. So, car owners in Kottayam need to opt for car insurance policies to protect themselves against the damages and losses caused during an accident or other incidents. As a responsible vehicle owner, you need to choose a reputed insurance provider like Digit to insure your car. With Digit, you can get completely online claim settlement. Here’s more.
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Renew Car Insurance in Kottayam
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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It's a Brand New Car
9000+
Cashless Garages
2900 Crore+
Paid-in Claims
1.2 Cr+
Policies Sold
Why Should You Opt for Digit Car Insurance in Kottayam?
The insurance protects the car from the damage and dents with the full coverage. Here are a few factors that you should consider before buying car insurance online.
- Superfast Claim Settlement: Digit maintains a higher claim settlement ratio against private car insurance policies. Digit’s claim settlement procedure is entirely online; therefore, there are no hassles with documentation or form fill-ups. The entire process is completed in a couple of minutes. With Digit’s smartphone-enabled self-inspection method, you can easily file a claim against your car insurance in minutes. Just call on the toll-free number to receive a link on your registered mobile number. Next, you need to follow the instructions and capture the pictures of damaged car parts from your mobile. Finally, you can complete the claiming procedure once you choose the suitable repair mode, that is, Cashless and Reimbursement modes.
- Options to Customise Your Vehicle’s IDV: IDV represents the current market value of your car. It is the maximum amount your insurer pays you if your car is stolen or damaged beyond repair. Thus, the Insured Declared Value directly impacts your insurance premium, and the sum insured. Digit allows every policyholder to customise their vehicle’s IDV according to their convenience.
- Pan India Chain of Network Garage: With Digit’s cashless claim, you can get your car repaired from any of their network garages without paying any additional charges from your pocket. There are thousands of Digit’s network garages all over India, and they provide a 6-months warranty on every repair. When you opt for a cashless mode of repair from Digit, all you have to do is take your car to a network garage. The rest will be taken care of by Digit and its network garage.
- 24/7 Assistance: Digit offers round-the-clock assistance to its clients in case of any queries. Whenever you are up with an insurance-related problem, call Digit for a prompt solution. Our team is available 24*7 irrespective of national holidays.
How Can Digit Car Insurance Save your Car in Kottayam?
Digit helps you stay protected from unpredicted mishaps in many ways. Here are some of them:
- Avoid Legal Penalties: The Motor Vehicles Act of 1988 made it compulsory for every vehicle owner in India to have a third-party car insurance policy. You may have to pay a penalty of ₹ 2,000 if you drive without having any valid policy. However, for repeated offences, the amount can rise to ₹ 4,000; in some cases, the offender is even imprisoned for 3 months. Thus, opting for car insurance from Digit can save you from such legal penalties and hassles.
- Choose Different Insurance Policies: You can choose different car insurance policies according to your convenience. Digit provides the following car insurance policies:
- Third-party Car Insurance
- Comprehensive Car Insurance
- Own Damage Car Insurance
You can buy any of these insurance plans depending on your requirement and budget.
- Option to Customise Add-ons: If you choose comprehensive car insurance policies, you get to include add-ons that can enhance your insurance coverage. By paying an additional amount, you can get suitable add-ons as per your choice. Digit offers a range of add-ons that extends the range of coverage of your insurance policy. For instance, the return to invoice cover helps you get a complete compensation of your car’s invoice value during theft or damages beyond repair. Moreover, this compensation includes the cost of registration charges and the road tax that you paid. This cover is suitable if you have a new car. Other covers include zero depreciation cover, consumable cover and more.
- Get Personal Accident Cover: Personal accident cover is a compulsory extension of vehicle insurance, as mandated by the country's motor laws. It not only assists you financially but also helps keep your family secure from unexpected monetary burdens. This cover provides financial assistance when the owner gets injured, is permanently disabled, or dies due to an accident. Additionally, if you have a health insurance plan, you can get coverage for hospitalisation and treatment for any injury included in your policy.
Why Choose Car Insurance in Kottayam 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 Kottayam?
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 Kottayam
Following are the car insurance add-ons available in Kottayam:
What’s not Covered in Digit Car Insurance in Kottayam?
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 Kottayam
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 Kottayam 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 Kottayam
Here’s the list of Digit's top 10 cashless garages in Kottayam, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.