Car Insurance in Nagpur
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Nagpur is India’s 13th largest populous city and one of India’s fastest-growing cities. Consequently, the traffic in this city is always high, and commuters experience congestion on a daily basis. In such a busy city, car insurances are highly beneficial to prevent you from financial losses in case of unforeseen accidents.
Also, the Motor Vehicles Act 1988, mandates a third-party car insurance policy for every vehicle owner.
If you are a resident of Nagpur looking for a trusted insurance provider, look no further than Digit. You can choose from comprehensive and third-party car insurance policies according to your convenience.
The comprehensive car insurance policy covers the damages caused to both the owner and third party. However, the third-party insurance, as the name suggests, covers the third-party liabilities only. Keep reading to decide which insurance plan you want to opt for.
The third-largest city of Maharashtra, Nagpur is also called the “winter capital” of the state with a GDP of $15.10 billion. Being one of the most important metropolitan cities in India, the official language of the city is Marathi. The city is famous for its Nagpur oranges, friendly people and is a heaven for foodies. This city is still known to follow the megalithic culture.
Nagpur’s tradition reflects a strong influence of ethnic folk culture. This place is mostly acclaimed for folk dances and songs that were inherited from ancestors. At present, Nagpur is known to house 24.1 lakhs population, which is on a rising scale. The vehicle population in Maharashtra has been around 27.87 million and Nagpur contributes a major part of it.
Why Do You Need Car Insurance in Nagpur?
Let's look at some of the challenges faced by car owners in Nagpur which makes having a valid car insurance policy even more important.
Congestion
Nagpur has gone through tremendous change over a few decades to transform this bustling city into a strategic one. But, things have not always been so easy. With such a hefty population, roads are always filled with vehicles. Moreover, this city is well-connected with public transportation like taxis, buses and rickshaws. Getting stranded in traffic jams is way too common in Nagpur. Even with introducing the metro-rail, there has been no drop in the accidents happening in the city.
Climate Changes Degrading Road Condition
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.
Car Theft
Nagpur has seen rampant theft issues in recent times. High-end cars parked in unsafe areas are often targeted by the miscreants. There have also been cases where cars were stolen even from demarcated parking spaces.
Traffic Jams with Deadly Potholes
With the ever-growing numbers of potholes, driving in Nagpur has now proven to be a deadly test for the citizens. Already grappling with traffic jams because of new constructions and metro lines, motorists have high chances of facing accidents because of the recurring problem of potholes that dot the city.
Why Choose Digit for Car Insurance in Nagpur?
Digit Insurance is a reliable insurance firm, offering basic and add-on car coverage policies for new and old car owners. Apart from their good selection of insurance policies and add-ons, Digit’s entire process is online.
The documents are easy to understand and the entire process is hassle-free where you won’t have to involve any middlemen. With a high claim settlement ratio, doorstep pickup and drop, cashless repair and 24*7 customer support, getting an insurance and settling claims with Digit will prove to be a cakewalk for you.
Choice of Insurance Policy: Under its portfolio, Digit offers three types of policies that you can choose from:
- Third-Party Cover: This policy pays for bodily injury or property damage to a third-party caused by you. This will not cover damage to your own car.
- Comprehensive Cover: This policy pays for the expenses of damages to your own car resulting from accidents, thefts, fires, natural calamities, etc. Also, it takes care of your third-party liabilities.
- 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.
- Legally Abiding: Driving without a valid insurance policy is illegal and can warrant a fine up to Rs.2000 and for repeated offence up to Rs. 4000. Driving licence may even be confiscated and it can lead to imprisonment up to 3 months.
- Cover Accidental Damages with Comprehensive Policy: With Nagpur’s pot-hole plagued roads posing threats to drivers as well as the congestible traffic increasing the probabilities of dents and accidents, Digit’s comprehensive plan will be a great asset to safeguarding your vehicle. This policy will help you to recover the damages to your car caused by bumper to bumper traffic, accidents, natural calamities, thefts and situations alike in Nagpur.
- Add-ons Suitable for Nagpur: Digit offers 7 add-ons to match the customer’s needs. Add-ons like Return to Invoice is suitable for your vehicle in Nagpur as the city is prone to vehicle thefts. With this add-on, the insurer will pay you the on-road value of the car in case your car is stolen. The consumable cover add-on will cover all costs of your engine oils, screws, nuts and bolts, grease, etc if they are replaced after an accident. Other add-ons like engine and gearbox protection, roadside assistance, etc are available and you can choose as per your requirements.
- Protect Your Future with Personal Accident Insurance: According to motor laws, a personal accident cover must accompany your vehicle insurance. It supports medical treatments for injuries, disabilities, or accidents resulting in death. It also helps your family financially if you suffer a permanent disability or pass away. You can enhance this safety net with Digit’s health insurance, which covers accident-related hospital stays
Why Choose Car Insurance in Nagpur by Digit?
Key Features of Digit's Car Insurance Policy
What’s Covered in Digit Car Insurance in Nagpur?
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 Nagpur
Following are the car insurance add-ons available in Nagpur:
What’s not Covered in Digit Car Insurance in Nagpur?
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 Nagpur
| Third-Party | Comprehensive | Own Damage |
Damages/Losses to own car due to an accident |
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Damages/Losses to own car in case of fire |
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Damages/Losses to own car in case of a natural calamity |
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Damages to Third-Party Vehicle |
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Damages to Third-Party Property |
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Personal Accident Cover |
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Injuries/Death of a Third-Party Person |
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Theft of your car |
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Customize your IDV |
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Extra protection with customized add-ons |
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| Get Quote | Get Quote | Get Quote |
Know more about the difference between comprehensive and third party insurance
Digit's Cashless Garages
List of 9000+ Network Garages >Popular Cashless Garages in Digit's Network in Nagpur
Here’s the list of Digit's top 25 cashless garages in Nagpur, 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 Nagpur
Here is the list of office addresses in Nagpur as of July 31st, 2025
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