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Car Insurance in Ludhiana
Being the most populous city in Punjab, Ludhiana is one of the busiest places in India. Considering the high traffic, the roads of Ludhiana are prone to accidental risks. Therefore, the car owners of this city need to opt for a car insurance policy from a reliable provider like Digit.
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As car insurances provide financial assistance to cover the damages and losses caused to your and third-party properties, it can be beneficial at times of unforeseen incidents. Moreover, as per the Motor Vehicles Act 1988, every Indian vehicle owner must procure a third-party car insurance policy. When you purchase a car insurance plan from Digit, you can choose between comprehensive and third-party insurance policies at affordable premiums. Read further to know about the insurance policies and choose a car insurance plan according to your convenience. The largest city in Punjab and in the whole Northern terrain holds the heritage of India. Ludhiana has significant importance in the history of India. Besides, it has an amazing natural beauty that literally resembles paradise. Floral and faunal beauty is nature’s crown to Ludhiana. Those who love to explore nature could never miss Ludhiana to count in. This immense natural beauty has a bane of man-made roads and their behavioural mashups over the road. Whilst experiencing the dream-like beauty of delicate nature, the harsh reality of road accidents is a waking alarm. Times of India, in Sept 2019, trolled the situation of roads of Ludhiana. Well, the conditions of the roads are truly disturbing. The city has traffic from all over, but the roads are not all worth serving them.
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9000+
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2900 Crore+
Paid-in Claims
1.2 Cr+
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Why Do You Need Car Insurance in Ludhiana?
Let's look at some of the challenges faced by car owners in Ludhiana which makes having a valid car insurance policy even more important.
Improper Roads
Ludhiana roads are an absolute mess. Especially for the vehicles that are using those, do not deserve them. A lot of the population in Ludhiana, domestic and immigrant, both use quite decent vehicles. The situation of the road is such that, these decent cars can’t help but damage themselves.
Stray Cattle Occupy the Road
During every winter, the traffic is stuck due to stray cattle on the roads. These creatures run long the roads creating a mess. In such situations, even traffic authorities couldn’t do anything besides surrendering to a chaotic situation.
Unsafe Bridges
Bridges everywhere are a bit delicate than roads. In Ludhiana, bridges are unsafe due to maintenance and terrible traffic.
How Can Digit Insurance Save Your Car in Ludhiana?
To the city like Ludhiana, traffic rules couldn’t do justice. Digit car insurance policy could at least give justice to your car maintenance charges.
- Digit Car Insurance Policies for Ludhiana: Digit provides three types of car insurance. Comprehensive Car Policy in Ludhiana will cover you against the car damage that prevailed through improper roads or cattle along with third-party claims. Also, you can opt for Third-party Liability Policy only, which will cover the third-party injury or property damage. Or you can opt for Own Damage Insurance, which 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.
- Minimum Car Insurance Policy to Save You from Unnecessary Fines: Driving without third-party car insurance in India is a punishable act. An amount of ₹. 2000 is chargeable or/and imprisonment for 2 months can be imposed. Having Digit third party car insurance will save you on charges and punishments. And will also save you with the penalties for damage of other cars on roads due to you.
- Personal Accident Cover to Comfort You After an Accident: As the roads in Ludhiana become particularly unsafe during winter due to fog, the chances of severe accidents increase. A personal accident cover will pay you in case of bodily injuries, permanent disability resulting from an accident, and even death. It also supports your family financially in case of your death or a permanent disability. Additionally, you can opt for Digit’s health insurance, which offers comprehensive hospitalisation coverage post-accident.
- Fully Customizable Car Insurance Add-ons for Ludhiana: Getting customizable add-ons for your car insurance policy is a cherry on the cake. For instance, in Ludhiana, you can go for a ‘Tyre protection’ to face the bad road conditions.
Why Choose Car Insurance in Ludhiana 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 Ludhiana?
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 Ludhiana
Following are the car insurance add-ons available in Ludhiana:
What’s not Covered in Digit Car Insurance in Ludhiana?
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 Ludhiana
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 Ludhiana 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 Ludhiana
Here’s the list of Digit's top 25 cashless garages in Faridabad, 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 Ludhiana
Here is the list of office addresses in Ludhiana as of August 5th, 2025: