General
Life
Car Insurance in Morbi
The city of Morbi is situated on the banks of the Machhu River in the Morbi district. This district is on the Kathiawar peninsula of Gujarat. Initially, the city's economy was based on ceramic and clock manufacturing.
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However, there has been a major emergence of paper mills, import-export businesses, etc. Besides, tourism also constitutes a considerable part of Morbi's economy. On top of a growing population and vehicle number, the city lacks proper traffic infrastructure and management, leading to accidents or mishaps. Being a car owner in this city, you must opt for a car insurance policy to safeguard your vehicle from unforeseen incidents. Car insurance policies provide you with financial assistance to cover your accidental losses and damages. Opt for Digit Insurance if you are looking for a reliable car insurance plan. We provide a bunch of added features with our insurance plans. Our claim settlement process is superfast and easy, and you can raise a claim online. Read further to know more about our extensive features.
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Renew Car Insurance in Morbi
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 Morbi?
By choosing a Digit car insurance online policy, you can get a range of convenient features. Here are some of the advantages of choosing us:
- Option to Customise your Vehicle's IDV: IDV or Insured Declared Value is the current market value of your car. It will directly impact your insurance's premium amount, and the sum insured. Digit prioritises transparency for all its policyholders. Therefore, when you choose us, we provide you with an option to customise your car's IDV.
- Quick and Easy Claim Settlement: Our claim settlement procedure is superfast as we bring an entirely online method for it. Therefore, you can raise a claim for your insurance policy in minutes, without any hassles of documentation or form fill-ups. Besides, our smartphone-enabled self-inspection method makes your claiming procedure super easy. You can receive the self-inspection link on your registered mobile once you call on our toll-free number. Next, you need to follow the step-by-step guide, and click the images of your car's damage from your mobile phone. Our team will get back to you with a quote. Finally, you can end the process by choosing between the Reimbursement or Cashless mode of repair.
- Cashless Repair from Digit's Network Garages: When you select our cashless repair mode, you get to repair your car from any of our network garages. There are thousands of network garages across India. These garages offer a six-month warranty on the repair. When you opt for cashless repairs, you need not bear any additional repairing expenses from your end; everything gets covered by your insurance policy.
- 24/7 Customer Assistance: Valuing the requirements of our wide clientele, Digit offers 24-hour customer support to resolve each client's issues. So, whenever you come up with any insurance-related query, call our helpline number for a prompt solution. We are available on holidays as well.
How Can Digit Car Insurance Policy Safeguard Your Vehicle in Morbi?
We help you to stay protected from unforeseen incidents in several ways. Here are some of them:
- Avoid Legal Penalties: As per the Motor Vehicles Act 1988, every Indian vehicle owner must insure their vehicles against third-party risks. If you drive without any vehicle insurance, you might get a penalty of ₹ 2000, which can rise to ₹ 4000 for repeated offences. Moreover, in some selective cases, authorities may suspend your driving license and put you into 3-months imprisonment. A Digit car insurance policy safeguards you from legal complications.
- Choose a Convenient Car Insurance Policy: You can choose between the following three car insurance policies offered by Digit:
- Comprehensive Car Insurance: A comprehensive car insurance policy safeguards you from third-party liabilities and covers personal damages as well.
- Third-party Car Insurance: A third-party car insurance policy covers you financially from third-party damages and losses caused by your car.
- 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.
- Personal Accident Cover: Personal accident cover is a must-have for every vehicle owner. It covers you financially in unfortunate cases like permanent disabilities, major injuries, death, etc. You will receive financial coverage for hospital bills and medical treatment. In the event of the car owner's death, Digit will provide the entire sum insured to the policy nominee. Consider Digit’s health insurance policy for additional hospitalisation benefits following an accident.
- Customise With Add-ons: When you purchase a comprehensive car insurance policy, you get options to extend your insurance coverage by choosing multiple add-ons. Though you need to pay a minimum additional charge to enjoy the add-on benefits, considering the extra coverage, it is worthwhile. Digit offers an extensive range of add-on covers to maximise your benefit. For instance, when you opt for a zero-depreciation cover, you get a higher compensation amount from Digit as we will not factor in the depreciation charges while paying the claim amount. So, when you choose Digit as your insurance provider, you get to cover yourself from the unwanted financial outflow and also avoid legal issues.
Why Choose Car Insurance in Morbi 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 Morbi?
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 Morbi
Following are the car insurance add-ons available in Morbi:
What’s not Covered in Digit Car Insurance in Morbi?
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 Morbi
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 Morbi 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 Morbi
Here’s the list of Digit's top 25 cashless garages in Morbi, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.