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Car Insurance in Ranchi
Ranchi is the capital and one of the oldest cities in Jharkhand. Its rapidly developing economy, special economic zones and industrial areas make it teeming with thousands of people.
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Thus, to safely commute with your car on the roads of this city, a car insurance policy is a must. This will help you avoid unnecessary financial loss due to unforeseen accidents. Moreover, the Motor Vehicles Act of 1988 has made it mandatory for every vehicle owner to purchase a third-party insurance plan. Ranchi, the capital of mineral-rich state Jharkhand, lies along the Subarnarekha river. With a population of almost 10.7 lakhs, it is a well-industrialised city and a favourite tourist destination in Jharkhand. Major tourist attractions include Ranchi Lake, Jagannath Temple, Dassam falls, Shaheed Chowk, Machli Ghar, and Muta Crocodile Breeding Centre. Ranchi is also known as the 'City of Waterfalls', and the visitors often get mesmerized by the beauty of nature that surrounds this peaceful city. So, if you are looking for a car insurance policy, try Digit. You can choose between a comprehensive or third-party plan with affordable premiums, add-ons, online claim settlement and more.
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Renew Car Insurance in Ranchi
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 Ranchi?
Let's look at some of the challenges faced by car owners in Ranchi which makes having a valid car insurance policy even more important.
Frequent Road Accidents
Every year, thousands of people lose their lives due to road accidents in Ranchi. Ranchi-Jamshedpur Highway has been identified as an accident-prone area. This is one of the busiest roads in Jharkhand and is filled with numerous potholes, making the journey unbearable. Moreover, the never-ending construction work damages the road, resulting in accidents. Hence, having a personal accident (PA) cover in car insurance or a separate medical insurance is essential to cover the expenses incurred in treatment after an accident.
Congestion and Heavy Traffic
Traffic jams and congested roads is another serious challenge faced by car-owners in Ranchi. Peddlers selling goods along the main road and improper parking facilities create resentment among the commuters. Moreover, roads leading to important places like airports, railway stations, schools, and colleges, remain blocked most of the time due to carelessly parked vehicles and encroachment by hawkers.
Deadly Potholes
Potholes are a nightmare for car drivers in Ranchi. They not only reduce the life of the vehicle but also damages the vehicle alignment and suspension. In some cases, it can even wear out the tyres, leading to serious accidents. The cases of car accidents increase during heavy rains as these potholes are not visible due to waterlogging.
How Can Digit Insurance Save Your Car in Ranchi?
Buying car insurance policy in Ranchi is crucial for driving safely on the roads. Any single case of a car accident can wipe out all your savings. Digit car insurance online offers its customers various types of plans that come with a range of benefits.
- Choose from Three Types of Car Insurance Policies:
- Third-Party Liability Policy: It is a cover under which the insurance company covers any damages to the third-party involved in the accident caused by your car.
- Comprehensive Car Insurance: It provides complete protection against the damages caused to you, your car, and the third-party in the event of accidents, floods, theft, fire, vandalism, and other calamities.
- 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.
- Personal Accident Cover: Due to the high chances of accidents in Ranchi, it is advisable to opt for a personal accident cover to safeguard you and your family. Suppose you lose your eye-sight in a car accident and are unable to do any work. In such a scenario, Digit personal accidental insurance can reimburse your medical costs, and also provide an assured sum to your family for a secured future.
- Avoid Heavy Fines: The benefit of having third-party car insurance in Ranchi cannot be stressed enough. Driving without one can attract a fine of Rs.2000 and imprisonment for up to 3 months. Moreover, it is also necessary to renew car insurance in Ranchi every year to avoid a sudden financial crunch. Hence, you can choose Digit third-party insurance for a quick and stress-free renewal process.
- Comprehensive Policy to Protect Your Car: Having third-party car insurance is a must in Ranchi. But, if you want complete coverage, Digit comprehensive car insurance can be a good option for you. It not only protects you against the third-party liability, but also protects against the damages caused due to accidents, potholes, burglary, and congested roads.
- Add-ons Suitable for Ranchi: Along with the comprehensive policy, you can also include various add-ons for extra protection. Due to the problem of potholes in Ranchi, your tyres and engine can get severely damaged. Here, tyre and engine protection cover can be a suitable option.
Why Choose Car Insurance in Ranchi 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 Ranchi?
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 Ranchi
Following are the car insurance add-ons available in Ranchi:
What’s not Covered in Digit Car Insurance in Ranchi?
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 Ranchi
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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Injuries/Death of a Third-Party Person |
✔
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×
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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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Know more about the difference between comprehensive and third party insurance
How to Buy Car Insurance in Ranchi 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 Ranchi
Here’s the list of Digit's top 25 cashless garages in Ranchi, 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 Ranchi
Here is the list of office addresses in Ranchi as of July 31st, 2025