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Car Insurance in Rajkot
If you are a vehicle owner in Rajkot, where the traffic is quite high, having a car insurance policy can be quite beneficial. These policies will help you avoid unnecessary expenses due to an accident, theft, or any other damages.
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Furthermore, the Motor Vehicles Act of 1988 mandates that every car owner in the country must have at least a third-party insurance policy. So, if you are planning to get a vehicle insurance policy, try out Digit Insurance. You can get either a third-party or comprehensive car insurance plan according to your preference, requirement and budget. Rajkot is a city of the colourful, flourishing and traditional one, permanently ripe with its multicultural diversity. Stronger influences are always there towards cultural traditions and its vast heritage. The best part is that this city is the perfect amalgamation of Hinduism, Islam, Jainism and Buddhism. The fourth-largest city of Gujarat, Rajkot knows how to celebrate festivals with aplomb. The city’s architecture will further depict various numbers of historical monuments along with structures, which will showcase modernised sophistication and modern constructional forms. As per the survey a few years back, Rajkot is known to house a population of 1,390,640, which is nowhere less for sure. This number keeps on growing. So, it isn’t rocket science to state that this 4th largest city in this state has a high vehicle count as well. As per the latest survey from 2018-2019, the vehicle count in here is at around 2680808, under transport vehicles and 22520277 under non-transport vehicles, totalling a number of whopping 25201084. It is a great count!
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Renew Car Insurance in Rajkot
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 Rajkot?
Let's look at some of the challenges faced by car owners in Rajkot which makes having a valid car insurance policy even more important.
Congestion
The worst thing about Rajkot’s people is their bad habit of parking their cars on the road, creating havoc and chaos everywhere. Citizens are continuously warned of not parking their vehicles in congested areas but in vain. Moreover, the traffic chaos in some of the busy working spots is making it difficult to drive a car smoothly. To top it all, the accident count is always on the rise. Therefore, getting your car insured is a clever choice.
Bad Weather Condition
Rajkot is known to have a comparatively hotter season when compared to other Indian cities. It has a dry and higher level of humidity, resulting in bad road conditions. Not only that, but monsoons are way too heavy, creating potholes and forcing drivers to come face to face with accidents.
Natural Calamities
Rajkot is known to have housed some of the worst cyclones of all time. In November 2019, a cyclone “MAHA” formed over the Arabian Sea and is expected to make landfall in Gujarat by the 12th of November. An earthquake is yet another factor to consider when aiming for road safety. You never know when nature might strike hard, so staying prepared beforehand is the key. In such a situation, you need to have both vehicle insurance and a health insurance policy to protect your financial savings.
Theft Prone Area
In September 2019, two persons, including one minor, were arrested on the charges of vehicle theft in Kubaliyapara Sheri locality. They were known to have taken a civil hospital vehicle with them. It is one of that news, which clearly portray that you need to get your car insured with theft coverage policy before anything like this happens to your vehicle. Now you can get it from Digit Insurance.
How Can Digit Insurance Save Your Car in Rajkot?
If you are planning to get your car protected from natural disasters, In this regard, Digit’s car insurance online policy might just be the best choice!
Choice of Insurance: Digit provides three types of insurance plans:
- Third-party Car Insurance: This covers the damage and injuries to the third party in an accident caused by you.
- Comprehensive Car insurance: This will protect you from the third party liability and covers for the damages to your car as well.
- 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.
Check: Use Car Insurance Calculator to get the car insurance quotes.
- Be Ready for Any Situation With Comprehensive Policy: It protects your car in unfavourable situations like theft, vandalism, or any natural calamity such as cyclone which is always at a higher probability in Rajkot. Also, this can be customized with add-ons to increase the scope of protection. Such as a “Return to invoice” add-on can assist you to face car thefts in Rajkot.
- Be Law-Abiding: You can go for a minimum third-party liability policy in order to drive legally on Indian roads. For the offence of driving without car insurance, you may be fined ₹.2000 and/or prison time of 3 months might be imposed.
Why Should You Buy Digit Car Insurance in Bengaluru?
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 Rajkot?
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 Rajkot
Following are the car insurance add-ons available in Rajkot:
What’s not Covered in Digit Car Insurance in Rajkot?
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 Kolkata
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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Damages/Losses to own car in case of fire |
×
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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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Damages to Third-Party Vehicle |
✔
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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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Extra protection with customized add-ons |
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Know more about the difference between comprehensive and third party insurance
How to Buy/Renew Car Insurance in Rajkot 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 Rajkot
Here’s the list of Digit's top 25 cashless garages in Rajkot, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.
| Garage Name | Garage Address | Location |
| Advaith Hyundai Outer Ring Road | No 41/2, Devarabeesanahalli, Varthur Hobli - 560013 | 📍 View on Maps |
| A2Z Glass India Chandapura | 52/1, Old Chandapura, Hosur Main Road, Rk Dhaba, Bangalore - 560099 | 📍 View on Maps |
| Kalyani Motors Maruti Kp Road Opp Metro | Sy No. 13, 11Th, Kanakapura Rd, Opposite Metro Cash And Carry, Kanpa - 560062 | 📍 View on Maps |
| Vst Kia Hessaraghatta | 69/2, Hesaraghatta Rd, Bhuvaneshwari Nagar, Bagalakunte - 560057 | 📍 View on Maps |
| Kalyani Motors Maruti Horamavu | 74/5, Horamavu Main Rd, Near Bbmp Office, Horamavu - 560043 | 📍 View on Maps |
| Kalyani Motors Maruti Nayandahalli | Mysore Road Junction 24,25/1, Nayandanahalli Near Nayandahalli Signal - 560039 | 📍 View on Maps |
| Blue Hyundai Mysore Road | 108, 13Th Km, Mysore Rd, Kenchenhalli, Rajarajeshwari Nagar - 560059 | 📍 View on Maps |
| R N S Motors Maruti Yeshwantpur | 2275, Gurguntepalya, Tumkur Main Road, Yeshwantpur - 560022 | 📍 View on Maps |
| Kalyani Motors Nexa University | 17/2, 12Th Km, Opp Bangalore University, Mysore Road - 560039 | 📍 View on Maps |
| Advaith 4W Hyundai Mission Road | No.12,Shama Rao Compound, Mission Road - 560027 | 📍 View on Maps |
| Mandovi Motors Maruti Yelahanka | Gate, 33/2, Attur Main Rd, Allalasandra, Yelahanka - 560065 | 📍 View on Maps |
| Bimal Auto Maruti Mahadevapura | 60/2,Mahadevpura,Whitefield Road, Bangaluru - 560048 | 📍 View on Maps |
| Magnum Honda 4W Peenya | No. 2/2, 4Th Main Road, Ravi Industrial Estate Umkur, Service Rd, Peenya 2Nd St - 560022 | 📍 View on Maps |
| Kalyani Motors Maruti K R Puram | No 58/1A, Avalahalli, Virgonagar, Krishnarajapura - 560049 | 📍 View on Maps |
| Jubilant Mg Ecity | No.1B, Old Khata No 6/2, Bbmp No. 384/6/2/1/B, Berattena Agrahara - 560100 | 📍 View on Maps |
| Kalyani Motors Maruti Bg Road | No.250, Kalyani Motors, 1, Bannerghatta Rd, Sundar Ram Shetty Nagar, Bilekahalli - 560076 | 📍 View on Maps |
| Surakshaa Maruti Bommanahalli | No.54,1, Hosur Rd, Ngr Layout, Roopena Agrahara, Bommanahalli - 560068 | 📍 View on Maps |
| Magnum Honda 4W Subramanyapura | Sy No.62, Vasanthapura Main Road, Uttara Halli Village, Subramanyapura - 560061 | 📍 View on Maps |
| Advaith Kia Banashankari | 2/A, Industrial Layout, Near Muneshwara Temple, Banashankari Stage Ii - 560070 | 📍 View on Maps |
| Pratham Motors Maruti Sarjapura | Sri Dattatreya Complex, Opposite To Confident Rigal Althena, Anekal Taluk - 562125 | 📍 View on Maps |
| Epitome Kia Mahadevapura | Plot No 19A2, Doddanekkundi Second Stage, Industrial Area, Krishnarajapuram - 560048 | 📍 View on Maps |
| Jubilant Mg Mysore Road | 26/1B2 Kenchenahalli T.M Industrial Estate, Mysore Road R.R.Nagar Zone - 560059 | 📍 View on Maps |
| Jsp Kia Marathahalli | Ground Floor, Swamy Legato, 20/7, Outer Ring Rd, Kadubeesanahalli, Marathahalli - 560103 | 📍 View on Maps |
| Surakshaa Nexa Ecity | 201/2, Beratena Agrahara Hosur Main Road, Post, Electronic City - 560100 | 📍 View on Maps |
| Pratham 4W Maruti Kudlu Gate | Hsr Extn, Next To Zee School, Somasundarapalya - 560068 | 📍 View on Maps |
| Bimal Auto Maruti Varthur | No.184/185,Whitefield Main Road, Opp Forum Value Mall, Varthur - 560066 | 📍 View on Maps |
| Jubilant Mg Yelahanka | Survey No 32/33,New Yelahanka, Nellukunte, Jalahalli, Hobli - 562157 | 📍 View on Maps |
| Naara Kia Ns Palya | No 10 Ns Palya, 1St Main Road, 7Th Cross Rd, Opp. Pm Kalyana Mantapa - 560076 | 📍 View on Maps |
| Advaith Hyundai Hulimavu | No 80/7, Doddamma Road, Behind Mom And Me, Hulimavu, Bannerghatta Road - 560076 | 📍 View on Maps |
| My Tvs Automobile 4W Drc Kalkare | Survey No: 497,Opposite To Sri Veera Anjaneya Swamy Temple, Horamavu Main Road, Kalkere - 560043 | 📍 View on Maps |
Digit Insurance Registered Offices in Rajkot
Here is the list of office addresses in Rajkot as of July 31st, 2025