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Car Insurance in Mumbai
Due to its intensely high population and business activities, traffic in Mumbai remains high round the clock. So, being a car owner in Mumbai, it is essential to have a vehicle insurance policy.
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Furthermore, the Motor Vehicles Act of 1988 has made it essential for all vehicle owners to have a third-party insurance policy. With a car insurance plan, you get financial coverage for any loss caused to your own car or third-party property. Thus, if you are thinking of purchasing a car insurance policy, try Digit Insurance. Their entire claim settlement process is online and takes just a matter of minutes. Read on for more details. Mumbai, a financial centre, the commercial and entertainment capital of India, the second-highest Indian city by nominal GDP per capita of 1990, the city of dreams. With such tags that follow Mumbai, it is natural that people flock towards the city to exploit the ever surging opportunities. But wait, the opportunity is not the only thing that is surging in the city.
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Renew Car Insurance in Mumbai
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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9000+
Cashless Garages
2900 Crore+
Paid-in Claims
1.2 Cr+
Policies Sold
Why Do You Need Car Insurance in Mumbai?
Let's look at some of the challenges faced by car owners in Mumbai which makes having a valid car insurance policy even more important.
Officially a Car-Congested City
Mumbai officially has become the most car-congested city with 510 private cars/kilometre. In bumper-to-bumper traffic conditions like that of Mumbai and given its reputation regarding car congestion, it becomes difficult to maintain traffic discipline.
Rogue Driving
Mumbai police collected nearly 139 crore fines in 2018 for violation of traffic rules. From 2015 to 2019 there was a total of 77,455 cases of drunk driving. Suspension of driving license is only in 14% of the case. Mumbaikers can get real rouge while driving and no penalties stop them in the city that never stops.
Flood Condition Due to Heavy Rain
Mumbai- a flood-prone city makes the life of the drivers even more difficult. Roads get waterlogged due to the heavy rainfalls. The areas like Andheri, Vasai, Nalasopara, Dharavi, etc become impossible to commute during monsoon. In such conditions, the damage in cars like hydro locks is quite common. The floodwater level above the dashboard of a car can fully damage the electronic control systems of your beloved car.
How Can Digit Insurance Save Your Car in Mumbai?
Digit car Insurance online helps you save a lot more than you can imagine. Old or new, liability and assets are always valuable. Digit provides a hasslefree online process for car insurance & complete transparency with no middlemen.
Choose from Three Types of Car Insurance Policies:
- Third-Party Liability Policy: This pays for you when you are legally held responsible for a mishap that has caused bodily injury or property damage to any other party.
- Comprehensive Policy: This policy pays you for the damage to your own car along with the third-party liability. This is customizable with available add-ons to broaden the coverage.
- Own Damage: 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.
- Include Personal Accident Cover in Your Vehicle Insurance: By law, a personal accident cover is required when you buy a vehicle insurance policy. It helps cover medical costs, permanent disability, and accidental death. Families are also financially protected in the event of a loss of income due to these situations. Consider Digit’s health insurance for additional hospitalisation benefits following an accident.
Why Choose Car Insurance in Mumbai 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 Mumbai?
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 Mumbai
Following are the car insurance add-ons available in Mumbai:
What’s not Covered in Digit Car Insurance in Mumbai?
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 Mumbai
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/Renew Car Insurance in Mumbai 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 Mumbai
Here’s the list of Digit's top 25 cashless garages in Mumbai, 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 Mumbai
Here is the list of office addresses in Mumbai as of August 5th, 2025: