Car Insurance in Nashik
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Nashik, the fourth largest city in Maharashtra, is well-known for the famous Nashik Kumbh Mela. Being the fastest growing city, it attracts people from different parts of the country. As a result, the city roads are witnessing severe traffic each day.
Every vehicle owner commuting on the roads can face a high risk of mishaps. If you are a car owner from Nashik, it would be beneficial for you to get a car insurance plan.
Moreover, the Motor Vehicles Act 1988 mandated a third-party car insurance policy for every vehicle owner in India. When you choose Digit Insurance, you get options to choose between third-party car insurance and comprehensive insurance plans. Read further to know more about these insurance policies.
Nashik is the perfect example of Hindu culture, with its flourishing traditions and festivities. Even the Jain Statue of Ahimsa is one major tourist spot in here. With Mahamastakabhisheka rituals celebrated once in every 12 years, this place is one of the major pilgrimage spots for not just Indians, but anyone who wants to participate in the beauty of Hindu tradition. It is an ancient holy city, situated in the northern region of Maharashtra.
Take a sneak peak in the culture of Nashik if you really want to get yourself emerged into Hinduism. Not just religious value, but this place is known to house some of the friendliest and warm people you will ever come across. Not to forget, the amazing Misal Pav is one signature dish of this city. With a growing population of 1,486,053, this city is always busy. So, from good food to great people, Nashik is a complete package of its own.
Why Do You Need Car Insurance in Nashik?
Let's look at some of the challenges faced by car owners in Nashik which makes having a valid car insurance policy even more important.
Congestion
Even though Nashik is not quite big like Pune or Mumbai, but because of bad traffic management, this city is facing equal problems regarding traffic. Most of the major government and private offices are located in the central area of Shalimar and C.B.S Shalimar, making it the congested area with traffic signal issues. It results in never ending traffic jams, especially during evening time. The same condition prevails in Bitco Circle, main road, Ganjmal Chowk and Satpur MIDC. You never know when accidents might take place.
Weather Condition
The tropical location of the city along with higher altitude gives rise to relatively mild version of tropical dry and wet climate. Temperatures rises in October and monsoons are pretty high. So, the condition of roads during that time is rather crucial. Accidents have highest rate during such monsoon months. So, be prepared to call for a car insurance policy from Digit Insurance and get accident coverage now. Furthermore, this city is vulnerable to various hazards like fire hazard, earthquake, floor and even chemical hazards. So, getting proper car insurance is the only way out.
Car Theft
Few days back, in the month of September 2019, a newsflash stated that car got stolen in Indiranagar, Nashik, worth 2.10 lakh rupees. Well, this is not something uncommon in here, especially with neglected road condition. Even the Nashik City Police is working hard to curb down car theft cases. Want to keep your car under safe conditions? If so, then theft coverage from Digit Insurance is one to try out.
How Can Digit Insurance Save Your Car in Nashik?
Stay Protected with Mandatory Personal Accident Insurance: When purchasing vehicle insurance, ensure it includes the required personal accident coverage. It takes care of injury treatment, long-term disabilities, and death due to accidents. It also covers loss of income for your family in such situations. For enhanced benefits, Digit offers health insurance with broad hospitalisation coverageThe name that pops up in your mind while thinking about car insurance is of Digit Insurance and for good reasons. Let’s find out more.
- Choose from Three Types of Insurance Policies: You can either choose a third-party car insurance which will cover only for the third-party claims after you cause an accident. Or you can choose a comprehensive car insurance which covers both third-party liability and the damaged caused to your own vehicle in an accident. Or you can choose an own damage car insurance which 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.
Check: Use Car Insurance Calculator to get the car insurance quotes.
- Comprehensive Policy with Add-ons: The comprehensive policy is always customizable with add-ons. Add-ons help in broadening the coverage. Such as for Nashik, a “Return To Invoice” add-on will pay you the invoice amount of the car if it is stolen.
- Drive Legally: It is illegal to drive without an insurance on ndian roads. A third-party policy is a minimum. Without a minimum insurance you will be fined Rs. 2000 and/or imprisonment of 3 months. So having a Digit 3rd-party car insurance will save you from paying unnecessary fines.
- Cashless Repairs with Digit: Enjoy cashless repairs at more than 9000+ cashless network garages across India.
- Stay Protected with Mandatory Personal Accident Insurance: When purchasing vehicle insurance, ensure it includes the required personal accident coverage. It takes care of injury treatment, long-term disabilities, and death due to accidents. It also covers loss of income for your family in such situations. For enhanced benefits, Digit offers health insurance with broad hospitalisation coverage
Why Choose Car Insurance in Nashik 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 Nashik?
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 Nashik
Following are the car insurance add-ons available in Nashik:
What’s not Covered in Digit Car Insurance in Nashik?
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 Nashik
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 Nashik 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 Nashik
Here’s the list of Digit's top 25 cashless garages in Nashik, 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 Nashik
Here is the list of office addresses in Nashik as of July 31st, 2025