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Car Insurance in Ludhiana

9000+ Cashless Garages

96% Claims Settled (FY 24-25)

Buy or Renew Car Insurance in Ludhiana Online, Up to 90% off

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

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

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

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?

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

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

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

Key Features Digit Benefit
Premium Starting from ₹2094
No Claim Bonus Up to 50% Discount
Customizable Add-Ons 11 Add-ons available
Cashless Repairs Available at 9000+ Garages with Doorstep Pickup & Drop
Claim Process Smartphone-enabled Claim process. Can be done online within 7 minutes!
Own Damage Cover Available
Damages to Third-Party Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

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

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

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Own Damages for Third-Party Policy Holder

Third-party policies don’t cover your car’s damage

Drunk Driving

Drunk Driving

No cover if driving under influence or without a valid licence

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Driving without a Valid Driving Licence

No cover if driving without a qualified supervisor

Consequential Damages icon

Consequential Damages

Indirect damage after an accident isn’t covered

Contributory Negligence icon

Contributory Negligence

Damage from ignoring safety guidelines (e.g., driving in floods) is excluded

Add-ons not Bought icon

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

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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.
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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.
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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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How to Buy Car Insurance in Ludhiana with Digit?

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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.

Cashless Garages by Digit

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.

Garages Name Garage Address Location
Gulzar Maruti Ludhiana Gulzar Maruti Ludhiana G T Road, Dholewal Road, Miller Ganj,Punjab 141003 📍 View on Maps
Lovely Maruti Ludhiana Lovely Maruti Ludhiana Feroz Gandhi Market, Jila Kacheri Area, Model Gram, Ludhiana, Punjab 141001 📍 View on Maps
Inderjit Marwaha Maruti Nexa Ludhiana Inderjit Marwaha Maruti Nexa Ludhiana Opp.Mediays Hospital , Hadbast No. 156, Ferozpur Road , Threekay 142021 📍 View on Maps
Dada And Dada Llp Dada And Dada Llp Savitri-Ii, G.T. Road, Near Dholewal Chowk, 141003 📍 View on Maps
Sandhu Automobiles Maruti Dholewal Chock Ludhiana Sandhu Automobiles Maruti Dholewal Chock Ludhiana 558- 559 Sandhu Automobile Pvt Ltd Link Road Dholewal Chowk Punjab 141003 📍 View on Maps
Lovely Autos Maruti Gill Road Lovely Autos Maruti Gill RoadGill Road Near Canal Bridge Ludhiana 📍 View on Maps
Goyal Hyundai Ludhiana Goyal Hyundai Ludhiana Village Jugiana G T Road 141001 📍 View on Maps
Northern Motors Private Ltd Northern Motors Private Ltd Opp. Govt Nursery, Near Khalsa College, G.T. Road 144001 📍 View on Maps
Grover Hyundai Opp Dhandari Kalan Ludhiana Grover Hyundai Opp Dhandari Kalan Ludhiana Opp Dhandari Kalan Railway Station G T Road 141014 📍 View on Maps
Lally Motors Honda Ludhiana Lally Motors Honda Ludhiana Prestige Honda, G.T. Road, Dhandari Ka 141014 📍 View on Maps
Akc Automotives 4W Kia Ludhiana Akc Automotives 4W Kia Ludhiana Near Maharaja Grand Resorts, Gahaur, Ludhiana, Punjab 141101 📍 View on Maps
Hoshiarpur Maruti Milltry Camp Dholewal Ludhiana Hoshiarpur Maruti Milltry Camp Dholewal Ludhiana Gt Road Opp. Milltry Camp Dholewal Ludhiana, 141003 📍 View on Maps
Lovely Autos Maruti Pakhowal Road Lovely Autos Maruti Pakhowal RoadShri Bhai Balla Gurudwara Sahib Pakhowal Road 📍 View on Maps
Grover Hyundai Basti Jodewal Chock Ludhiana Grover Hyundai Basti Jodewal Chock Ludhiana Sunder Nagar, Basti Jodewal Chowk, G.T Road, 141007 📍 View on Maps
Sandhu Automobiles Maruti Near Drain Bridge Jagraon Ludhiana Sandhu Automobiles Maruti Near Drain Bridge Jagraon Ludhiana G.T. Road, Near Drain Bridge, Jagraon, Punjab 142026 📍 View on Maps
Vr Autocare Private Limited ( Windshield Repair) Vr Autocare Private Limited ( Windshield Repair) 35-C Model Town Extention Dugri Road 141001 📍 View on Maps
Globe Toyota Ludhiana Globe Toyota Ludhiana Plot Number 1, Globe Automobiles Pvt Ltd, Gt Road Village Jugiana,Ludhiana 📍 View on Maps
Ijm Motors 4W Toyota Ludhiana Ijm Motors 4W Toyota Ludhiana Ferozepur - Rd, Near Havelli Ludhiana, Village Bhanohar, Dakha, Punjab 141102 📍 View on Maps
Dada Motor Enterprises Llp Dada Motor Enterprises Llp Savitri-Ii, G T Road, Near Dholewal Chowk,Ludhiana, Punjab, 141002 📍 View on Maps
Shield Autoglass Ltd ( Windshield Expert) Shield Autoglass Ltd ( Windshield Expert) 39/11, Hp Filling Station,Jagjit Nagar, Pakowal Road, 141003 📍 View on Maps
Novelty Wheels 4W Mahindra Ludhiana Novelty Wheels 4W Mahindra Ludhiana G T Road Dhandari Opp Gs Autos 141010 📍 View on Maps
Lovely Autos Maruti Arena Hambran Lovely Autos Maruti Arena Hambran Near Satsang Bhawan, Euro Mall, Hambran Road, Ludhiana 📍 View on Maps
Brar Automotive Brar Automotive Freozpur Road Mukatsar Sahib 152026 📍 View on Maps
Mgv Automobiles Mgv Automobiles Ground 81, Mgv Automobiles, Club Road, Civil Lines, Ludhiana, Punjab, 141001 141001 📍 View on Maps
Car Libas Workshop Car Libas Workshop 205. Industrial Area A , Cheema Chock , Punjab 141007 📍 View on Maps

Digit Insurance Registered Offices in Ludhiana

Here is the list of office addresses in Ludhiana as of August 5th, 2025:

Current Address Google Maps Link
B - 20, 3324 / 3325, Zone D, Gurdev Nagar, Ferozepur Road, Ludhiana - 141001 📍 View on Maps