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Car Insurance in Malappuram
Malappuram is the fourth largest urban agglomeration of the state of Kerala in terms of population. It also serves as the administrative headquarter for the Malappuram district. This city is also one of the fastest-growing urban areas in the world.
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A huge percentage of the population in Malappuram chooses four-wheelers as their daily mode of transportation. Several cars run on the roads of this city every day. Therefore, every car owner must opt for a car insurance policy to cover the financial damages caused to their own car or third-party property due to an accident or other mishaps. While searching for a reputed insurance provider, you may come across several names. One such name is Digit. When you choose them as your vehicle’s insurance provider, you get several benefits and facilities. Read further to know more about Digit’s insurance policies and their features.
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Renew Car Insurance in Malappuram
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 Should You Choose Digit Car Insurance in Malappuram?
Here’s why you should opt for Digit as a car insurance provider:
- Super-fast Claim Settlement: Digit’s claim settlement process is super-fast and free from the mess of documentation and filling up forms. Thus, you can raise a claim against your car insurance in minutes when you choose Digit. Moreover, Digit maintains a high claim settlement ratio for private cars. When you choose Digit as your insurance provider, you find the easiest way to file your insurance policy claims. The smartphone-enabled self-inspection method is what makes it possible. First, you need to call Digit’s toll-free number from your registered mobile number. Once you get the link, follow the stepwise guidelines and take pictures of the vehicular damages from your smartphone. After receiving the pictures, they will get back to you with an estimated quotation. Finally, you can choose your preferred mode of repair; Cashless or Reimbursement.
- Cashless Repairs From Network Garages: With Digit, you can get a cashless mode of repair for your vehicle during the hours of need. They come with thousands of network garages across India. You can get your vehicle repaired from any of the nearest network garages without paying a single penny from your end. Besides, you get a 6-month warranty on every repair from any of their network garages.
- 24x7 Customer Assistance: Digit values the concern of every client, and therefore, we try to resolve your insurance-related queries at any hour of the day. Moreover, the customer assistance team is available on national holidays as well. Whenever you reach Digit, you get a quick answer to all your questions.
- Customise Your Vehicle’s IDV: IDV or Insured Declared Value represents the current market value of your vehicle, and it directly impacts your insurance policy’s premium and the sum insured. Therefore, Digit allows every car insurance policyholder to customise their vehicle’s IDV according to their convenience and budget.
How Can Digit Car Insurance Save Your Car in Malappuram?
Digit car insurance ensures you financial protection and other coverage during unforeseen incidents. Here are some of the ways their car insurance can save your vehicle:
Choose Various Car Insurance Policies: Digit offers you the following three types of car insurance policies:
- Comprehensive Car Insurance: A comprehensive car insurance policy cover the damages caused to your car and other third-party liabilities. Furthermore, it also covers damages caused to your car by natural calamities and theft.
- Third-party Car Insurance: This car insurance policy provides financial assistance to cover the damages and losses caused by your car to third-party property or life.
- 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.
- Avoid Legal Penalties: Every Indian vehicle owner must opt for a third-party car insurance policy to abide by the provisions of the Motor Vehicle Act 1988. According to this Act, opting for third-party car insurance while purchasing a vehicle is mandatory. If you drive without a valid insurance policy, a hefty penalty of ₹ 2000 will be charged as a penalty. In case of repetitive offence, the amount may rise to ₹ 4000. However, authorities may even imprison you for 3 months or suspend your driving license in some selective cases.
- Customise With Add-ons: When you opt for a comprehensive car insurance policy from Digit, you get options to choose add-ons as per your convenience. Though you need to pay extra monthly charges, the benefits they offer are worthwhile. For instance, on choosing a consumable cover, you get coverage for expenses that you may incur for lubricants, engine oil, and other items. There are various other add-on covers that you can choose from Digit Insurance.
- Get Personal Accident Cover: A personnal accident cover provides coverage for the financial expenses that you can incur for injuries, permanent disabilities and deaths caused during an accident. Therefore, every car owner needs to opt for this cover to secure their family and loved ones from financial burden. It also compensates for income loss if the car owner is permanently disabled or passes away. Digit’s health insurance plan can further supplement this by covering hospitalisation expenses after an accident.
Digit car insurance helps you to get financial security and avoid legal complications in the event of any loss or damage due to an accident or any mishaps.
Why Choose Car Insurance in Malappuram 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 Malappuram?
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 Malappuram
Following are the car insurance add-ons available in Malappuram:
What’s not Covered in Digit Car Insurance in Malappuram?
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 Malappuram
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 Malappuram 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 Malappuram
Here’s the list of Digit's top 25 cashless garages in Malappuram, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.