General
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Car Insurance in Shimla
Shimla is the largest city and capital of the northern Indian state of Himachal Pradesh. Notably, it is the principal cultural, educational and commercial centre of the state.
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It is also a popular hill station and a tourist destination that draws a massive number of tourists from all over the country and the world. Being a highly popular tourist destination and a large city with various economic and commercial activities, the city sees considerable footfall and traffic congestion. The peak seasons can be particularly quite chaotic. Such a substantial footfall can result in unforeseen road mishaps or car accidents. This can further lead to significant financial loss. That is why all car owners must purchase a car insurance plan in Shimla to safeguard themselves from any such financial loss. If you are seeking a renowned insurer to buy a car insurance policy in Shimla, opt for Digit, given the several benefits that it offers, including a quick claim settlement procedure.
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Renew Car Insurance in Shimla
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 Shimla?
Here is what car insurance online policyholders in Shimla can benefit from if they opt for Digit:
- Wide Network of Garages for Cashless Repairs: Digit comes with a vast chain of cashless network garages to choose from for private cars across India. Thus, individuals need not worry about the money spent on repairs or replacements. You can simply get the repairs done without spending any money from your own pocket.
- 24x7 Support Even on National Holidays: The customer support representatives at Digit are always available to clear any doubts or queries related to the car insurance plan. This is irrespective of the day or time and also includes national holidays.
- Rapid Claim Settlement: Digit boasts rapid claim settlement, with an excellent claim settlement ratio for private cars. With Digit, you get to benefit from a 3-step totally digital claims procedure. So, you need not worry about the claim settlement formalities. Besides taking only a few minutes to complete, this online procedure eliminates the hassles of filling out forms and submitting several documents. You just need to place a call to us. Then you would receive a link for self-inspection on the registered mobile number. After that, you can take pictures of the vehicle’s damages simply with a smartphone and complete the process easily. Finally, you need to opt for the desired mode of repair- reimbursement or cashless via the network of garages.
- Option to Customise IDV: The IDV or Insured Declared Value forms one of the most important components of car insurance as it directly impacts the car insurance premium. Also, it directly affects the claim amount at the time of claims. Digit allows individuals to customise their IDV according to their choice.
How Can Digit Insurance Save Your Car in Shimla?
These are the various ways in which buying car insurance from Digit can help safeguard individuals financially against any mishap in Shimla:
Get to Opt from an Array of Car Insurance Policies: Digit provides the following Three types of car insurance plans in Shimla:
- Comprehensive Car Insurance Plan: Comprehensive car insurance from Digit is an all-inclusive policy covering both own and third-party damages to the car. This also covers losses due to unforeseen losses caused due to natural calamity, an accident, theft or fire.
- Third-Party Car Insurance Plan: A third-party car insurance plan from Digit covers individuals against liabilities that can take place in case of damage or loss caused to a third-party person, property or vehicle. However, this plan does not cover own vehicle damages. This car insurance plan is mandatory as per the Motor Vehicles Act in India.
- 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.
Customise Your Insurance With Add-Ons: You can get better coverage for their car with several add-on covers that are available with a comprehensive car insurance policy from Digit. Some of these include:
- Return to Invoice Cover: This cover provides back the total value of a car’s invoice value if the damages are beyond repair or in case of theft. A return to invoice cover is ideal for new cars.
- Consumable Cover: This cover provides financial coverage for expenses related to some of the essential car components like screws, engine oils, nuts, grease, lubricants etc. Besides these, Digit offers several other add-ons like breakdown assistance, tyre protection cover, passenger cover and more.
- Personal Accident Cover: A personal accident cover is vital for any vehicle owner. It will offer you financial coverage in case of permanent disabilities, any injuries or death caused by a car accident. Buying a personal accident cover from Digit will help you secure your family's financial future in the event of any mishaps. You can also complement it with Digit’s health insurance for accident hospitalisation coverage.
- Avoid Legal Troubles and Fines: As per the Motor Vehicles Act, 1988, all vehicle owners should at least have a third-party car insurance policy. In case you are driving without a car insurance plan, there is a hefty fine of ₹ 2,000. Also, this fine may increase to ₹ 4,000 if you repeatedly commit offences. There can be 3-months imprisonment and even suspension of your driving license in certain cases.
Thus it’s quite evident that one can benefit in several ways by opting for a car insurance policy with Digit in Shimla.
Why Choose Car Insurance in Shimla 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 Shimla?
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 Shimla
Following are the car insurance add-ons available in Shimla:
What’s not Covered in Digit Car Insurance in Shimla?
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 Shimla
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
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Damages/Losses to own car due to an accident |
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Damages/Losses to own car in case of fire |
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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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Damages to Third-Party Property |
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Personal Accident Cover |
✔
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✔
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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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Doorstep Pick-Up & Drop |
×
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Customize your IDV |
×
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✔
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Extra protection with customized add-ons |
×
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✔
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Know more about the difference between comprehensive and third party insurance
How to Buy/Renew Car Insurance in Shimla 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 Shimla
Here’s the list of Digit's top 25 cashless garages in Shimla, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.