Car Insurance in Mangalore
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The Motor Vehicles Act 1988 mandated every Indian vehicle owner to opt for a third-party car insurance policy. Car insurance plans financially secure you and your family during unforeseen mishaps.
Residents of the cities like Mangalore can opt for a car insurance policy to get financial coverage for expenses arising due to third-party damages, own damages, theft, etc.
While looking for a trusted insurance provider, you will come across several big names. Digit Insurance is one of the reliable car insurance providers that offers both comprehensive and third-party car insurance plans. Depending on your requirement and budget, you can choose either one. To know more, read here.
With a diversity of superfine Temples to high infrastructured commercial buildings, Mangalore is an iconic city of India. The city has a population gathered for the sake of job opportunities. Moreover, the natural beauty and architectural heritage are the attractions of the tourists. These are enough reasons to create chaos on roads.
The importance of Mangalore as an economic and tourism perspective is unparallel in India. It comprises tradition and technology, both. And the spices of Mangalore will bring you back to the place again and again. It really has a history to hold a man’s tongue. And thus the city resides in anyone’s heart who has visited it at least once.
However, nature here is equally cruel as well. The state of Karnataka is consequently hitting the news for its flood and the aftermath thereon. Although the whole nation stands by its side in support, road conditions take up time to be well structured.
Why Do You Need Car Insurance in Mangalore?
Let's look at some of the challenges faced by car owners in Mangalore which makes having a valid car insurance policy even more important.
Heavy Floods
Due to heavy rainfalls in monsoon, Mangalore experiences flash floods that block the city throughout. People migrate to another city temporarily. They not only worsen the road’s situation, but a city’s condition as a whole. Natural calamity like a flood is inevitable for the traffic of the city. And thousands of cars are damaged.
Huge Cyclones
Along with flood, huge cyclones too attend to disrupt the region of Mangalore. Such natural disasters clean up the city roads and vehicles parked. Mangalore was about to get affected by a super cyclone “Kyarr” originated in the Arabian Sea in October 2019. But as the cyclone changed its direction towards Oman, Mangalore became safe! The cyclone “Menuku” caused huge damages to the priorities in Mangalore in the year 2018.
Vehicle Theft Records
Besides these unavoidable natural calamities, Mangalore city also has held a record of vehicle theft. Not only that, there are reports regarding the theft of the monograms of luxury car brands like Rolls Royce, Jaguar, Mercedes, BMW, Audi, etc. And lately, Mangalore has become a market place to sell the stolen cars from Bangalore.
How Can Digit Insurance Save Your Car in Mangalore?
The city that has so many natural problems, car insurance is a must. You not only save on your car damage, but you save on the damage caused to other vehicles on your behalf. Moreover, theft protection for the car is as much worthy as your car.
- Digit Car Insurance Policies in Mangalore: Car insurance helps you to protect your car legally. You can claim for your car losses instantly if you have apt car insurance policies. Digit car insurance online service is customizable according to the city and area you belong to. You can choose from three types of policies: Third-Party Car Insurance, Comprehensive Car Insurance, and Own Damage Insurance.
- Third-Party Car Insurance in Mangalore: Third Party Car insurance is mandatory to have, on the roads of India. You can save the fines (₹.2000 and/or imprisonment of 3 months) that can be charged on you if you are caught without mandatory car insurance. And you will be able to avail of all the benefits, like saving on the damage caused to other cars by you.
- Comprehensive Car Insurance Service: Due to natural calamities, you ought to screw your own car in Mangalore. With Digit Comprehensive car insurance service, you can claim to get the amount to fix your car damage. With a comprehensive plan, the third-party liability is covered as well.
- 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.
- Efficient Car Insurance Add-ons for Mangalore: In Mangalore, it is a good idea to opt for a ‘Engine Protection’, that will enable your car to face the flood condition during monsoon season. Also, by referring a few past records, as a measure of safety, ‘Return to invoice’ add-on could also be beneficial.
Why Choose Car Insurance in Mangalore 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
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 Mangalore?
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 Mangalore
Following are the car insurance add-ons available in Mangalore:
What’s not Covered in Digit Car Insurance in Mangalore?
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 Mangalore
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
|
Damages/Losses to own car due to an accident |
×
|
✔
|
✔
|
|
Damages/Losses to own car in case of fire |
×
|
✔
|
✔
|
|
Damages/Losses to own car in case of a natural calamity |
×
|
✔
|
✔
|
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
|
Personal Accident Cover |
✔
|
✔
|
×
|
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
|
Theft of your car |
×
|
✔
|
✔
|
|
Customize your IDV |
×
|
✔
|
✔
|
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party insurance
How to Buy Car Insurance in Mangalore 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 Mangalore
Here’s the list of Digit's top 25 cashless garages in Mangalore, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.