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Car Insurance in Noida
Noida is a planned city in the Gautam Buddha Nagar district of Uttar Pradesh. It is a part of the National Capital Territory of India and sees high traffic throughout the day. People here mostly use four-wheelers for commuting.
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If you are a car owner in this area, having a car insurance policy is a must. It will safeguard you from unnecessary financial losses in case of an accident, theft or other mishaps. Furthermore, the Motor Vehicles Act of 1988 mandates all car owners to have at least a third-party insurance plan. Thus, for legal compliance and personal safety, if you are looking for a car insurance policy, opt for Digit Insurance. With Digit, you can customise your car insurance policy with add-ons and get a quick and hassle-free claim settlement. Noida is a planned city in the Northern Indian state of Uttar Pradesh. It is one of the most affordable commercial hubs in Delhi NCR. With a substantial green-cover throughout the city (50% green cover) it is also famous for its tall buildings and other tourist attractions, such as Worlds of Wonder Water Park, DLF Mall, and Okhla Bird Sanctuary.
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Renew Car Insurance in Noida
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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9000+
Cashless Garages
2900 Crore+
Paid-in Claims
1.2 Cr+
Policies Sold
Why Do You Need Car Insurance in Noida?
Let's look at some of the challenges faced by car owners in Noida which makes having a valid car insurance policy even more important.
Frequent Road Accidents
Road accidents are one of the biggest concerns of car owners in Noida. Yamuna Expressway that connects Greater Noida and Agra has seen over 150 deaths in 2019 alone. In August, four IT professionals died on this highway after their SUV fell into a 30 feet ditch alongside the road. Tyre busting, collision, and over speeding are some of the leading causes of such accidents.
Traffic Congestion on Roads
Smooth driving is a dream for many in Noida. The biggest reason for this is the traffic congestion on main roads, especially during peak hours. At various intersections of the city, commuters are forced to drive slowly because many buses and autos halt in the middle of the main roads to drop and pick their passengers, leaving no space for commuters. Some of the busiest routes in Noida are Rajnigandha Intersection, Mamura Chowk, Sector 62 Intersection.
Poor Road Condition
Due to heavy rains in Noida, the roads and streets are filled with potholes, which make the daily commute tiring and time-consuming for the car owners. According to the Government data, potholes and rough patches have been identified at 1306 locations across Noida. These potholes not only affect the vehicle alignment but also damage the suspension of the cars.
Why Choose Digit for Car Insurance in Noida
Due to traffic congestion, over speeding, and deadly potholes, accidents have become a serious issue in Noida. Digit Insurance can help you with car insurance policy and the right add-ons to give you wholesome protection to your car.
Digit just doesn’t limit itself to providing insurance plans, it flaunts a record of a high claim settlement ratio. The smartphone-enabled self-inspection based claim process makes the whole experience hasslefree. It has also tied up with a large number of garages across India to offer you cashless repairs. A 24*7 customer care is there at your beck and call.
Choice of Car Insurance Policies:
- Third-Party Liability Policy: It is a policy that provides coverage against the injury or death of the third party or damage to their property, because of an accident caused by you.
- Comprehensive Car Insurance: This policy covers the loss or damage to your car arising due to natural and man-made calamities. This also protects against your third-party liability.
- 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.
- Avoid Heavy Fines: To implement the rules laid out in the Motor Vehicle Act, Noida police have been carrying out a strict inspection for vehicles. Driving without third-party car insurance is illegal in Noida. For driving without insurance, you will attract a fine of Rs.2000 for the first time and Rs.4000 for subsequent offences. Other punishments include imprisonment for up to 3 months and suspension of driving license.
- Comprehensive Policy to Protect Your Car: Road accidents are common in Noida. To safeguard yourself against the damages arising due to such serious accidents, Digit’s comprehensive policy will be an ideal option. It not only protects against the third-party liability but also covers for the damages and losses to you and your car. Frequent road accidents in Noida because of its proximity to the Expressway and heavy traffic, make the comprehensive policy a better choice for car owners.
- Add-ons Suitable for Noida: If a comprehensive policy is not enough to protect your vehicle, you can opt for various add-ons for extra charges. Taking into account the rising number of accidents occurring in expressways, Digit’s Personal Accident Cover provides financial assistance to the owner-driver of the car in case he/she suffers from a permanent disability or death in an unfortunate accident. To further enhance this cover, the Passenger-Protect cover can be useful in the case of any bodily injuries suffered by car passengers. During heavy rains, if the water goes into the car engine, it may cause severe damage to it. Hence, Engine Protection cover can be your life saviour in such situations.
- Personal Accident Cover: As mandated by law, personal accident coverage must be part of your motor insurance policy. It provides financial relief for accident-related injuries, disability, or death. It also ensures your family’s financial stability in the event of a serious accident. Supplement this with Digit's health insurance for complete hospitalisation coverage
Why Choose Car Insurance in Noida 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 Noida?
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 Noida
Following are the car insurance add-ons available in Noida:
What’s not Covered in Digit Car Insurance in Noida?
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 Noida
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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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 Car Insurance in Noida 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 Noida
Here’s the list of Digit's top 25 cashless garages in Noida, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.