Car Insurance in Patna
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Patna is the capital and the largest city in Bihar. It is India’s 18th largest urban agglomeration. The people of this city primarily use cars for commuting, and mishaps are quite common on the road. If you are a car owner in Patna, having a car insurance policy can be quite beneficial in various ways.
Moreover, having at least a third-party car insurance plan is mandatory for all vehicle owners according to the Motor Vehicles Act of 1988. If you are looking for a car insurance policy, consider Digit. Digit has thousands of network garages all over India where you can get cashless repairs for your vehicle.
One of the most chaotic and dense capital in India, Patna’s strategic demographics makes it a buzzing city in the state of Bihar. With the serene Ganges caressing its banks Patna has a few monuments like the Bihar Museum, Buddha Smriti Park and Golghar, to its name.
Being a transportation hub, Patna’s roads see a lot of congestion. It acts as a base city for travellers heading towards the northern part of Bihar. Hence, in a city that is already dense, added traffic on the road make it even denser.
Why Do You Need Car Insurance in Patna?
Let's look at some of the challenges faced by car owners in Patna which makes having a valid car insurance policy even more important.
Irresponsible Drivers
The roads in Patna has major traffic due to drivers not obeying rules. Local residents of the place are known to be blatantly disobeying the rules and are also rude, adding more fuel to the fire. More often than not you will be dealing with aggressive co-passengers and it will be hard to get away from arguments unscathed.
Underaged Bikers
The accidents spotted in Patna are repeatedly reported against the underaged bikers. These bikers drive irresponsibly and at high speed. Speed has been a major concern on Patna roads. Speedy bikers usually end up creating road conflicts in Patna. You either damage yourself or get accused of damaging them.
Heavy Rains
Patna receives heavy rainfall every year, thus increasing the number of road collapses. “Nearly 110 dead in 4 days due to heavy rains across the country; Patna struggles to stay afloat”, reports IndiaTimes, Sept. 2019. Heavy rains will lead to slippery roads and lower visibility. The chances of slipping on these roads, especially if you are speeding, are high. Hence, you must have car insurance with PA cover to protect you in such situations. You can also have a health insurance policy that provides extensive coverage for health issues related to the monsoon season in Patna.
Poor Bridge Construction
Patna often tops the charts for the increased rates of bus accidents. Many passengers have lost their lives in the bus accidents. With poorly maintained roads and bridges, accidents have been increasing in Patna in the past few years.
Why Choose Digit for Car Insurance in Patna?
With such dense roads, the probabilities of mishaps are quite high. Digit car insurance online assures your safety against the damage caused to your car accidentally. Apart from giving all-round protection to your car through the insurance plans, Digit’s advantages are manifold. Their procedures are online making it easy for you to choose a plan and settle claims hassle-free.
While raising a claim you can simply click the photos of your damages and upload it with your smartphone. They have a huge network of garages to offer its customers cashless repairs. The 24*7 customer service and easy to understand documents thereby eliminating middlemen further makes Digit an appealing choice for the customers.
Choice of Car Insurance by Digit: You can claim the safety of your car with three types of insurance plans offered by Digit Insurance:
- Comprehensive Car Insurance: It offers holistic cover to third-party liabilities and accidental damages to your own car as well. It also covers any damage caused by natural calamities, theft, and fire.
- Third-Party Car Insurance: It insures damages & losses caused to a third-party person, vehicle or property.
- 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 Motorist: The traffic rules in India, has made it mandatory to have third-party car insurance with you while driving. A private car driver remains safe and uncharged if he has the third-party car insurance acclaimed with him already. With strict checkings being implemented in Patna, if you are caught without insurance, you will be levied a fine of Rs.2000/- which can go on up to Rs.4000/- for repeating offences and can even land you in jail for 3 months. Having at least a Digit’s third party insurance will protect you against this.
- Brace yourself against worst-case scenarios: In Patna, when irresponsible drivers land you in any mishaps or accidents, damages caused to your own car will be covered by the insurer if you have a Comprehensive Car Insurance. For a city that is seeing a rise in the number of accidents, having a Personal Accident Cover add-on with both the policies will be of monetary advantage to you.
- Customizable Car Insurance Add-ons for Patna: Meeting with an accident due to rough roads that are filled with potholes is natural. The Engine and Gearbox Protection cover and the Tyre Protect cover will help you save money on those accidents. Throw in the Return to Invoice cover to further insure your car against theft.
Why Choose Car Insurance in Patna 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 Patna?
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 Patna
Following are the car insurance add-ons available in Patna:
What’s not Covered in Digit Car Insurance in Ahmedabad?
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 Patna
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/Renew Car Insurance in Patna 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 Patna
Here’s the list of Digit's top 25 cashless garages in Patna, 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 Patna
Here is the list of office addresses in Patna as of August 5th, 2025: