Car Insurance in Surat
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If you are a vehicle owner in the highly populated city of Surat, it would be beneficial for you to have a car insurance policy. A car insurance plan provides financial protection against any damage caused to your vehicle or to any third-party property or vehicle.
Moreover, the Motor Vehicles Act of 1988 has made it compulsory that all vehicle owners in India must have a third-party insurance cover. Thus, if you are considering getting a car insurance policy, you can opt for Digit Insurance. You can choose between third-party and comprehensive plans as per your requirement.
Also goes by the name Suryapur, the city of Surat is the second-largest city in the state of Gujarat. Mainly because of the most populous trade businesses, many people from various backgrounds and races have migrated here. Not only that but Surat’s culture and art form an inseparable part of this city. The traditional forms of crafts are way too rich and artistically beautiful. People in Surat love to celebrate and most of the major Indian festivals are celebrated over here. Among the lot, Navratri deserves special mention.
On the other hand, this city houses 44.6 lakhs people to make its current population, which is huge. So, the number of vehicles on road is always towards the higher side. As this city is well connected with public transportation like buses and taxis, the roads never sleep. At present, the city records of having 21.88lakh vehicles driving on the road, which includes 2.62 lakhs cars and 17 lakhs two-wheelers. It means that for every two residents in here, there is one vehicle allotted.
Why Do You Need Car Insurance in Surat?
Let's look at some of the challenges faced by car owners in Surat which makes having a valid car insurance policy even more important.
Congestion
The arterial road in CBD houses the most congestion ever for the Surat people. Even though, various measures are taken to do something for that, but in vain. The government sealed down 30 textile go-downs the previous year to ease traffic congestion. Due to high end traffic in some of the working areas, road accidents are way too common.
Poor Road Conditions
Worst weather conditions are hitting hard on the road and it is causing some serious issues to the drivers. Surat is known to house a tropical Savanna climate, but the monsoon season is the worst time of the year, especially for the pothole filled roads. With harsh downpour, the road condition deteriorates beyond repair, forcefully leading to accidents.
Natural Calamities
When you think of Surat, flood is the prime natural calamity that comes to your mind. It means the roads never get the opportunity to actually turn into a safe and smooth ride. Sudden release of huge amount of water from the Ukai Dam makes the conditions worse.
Vehicle Theft
Surat is famous for vehicle theft. Few years back, the inter-state vehicle theft network was caught and busted in Surat, which provided a dangerous picture for the car owners. Just a few days ago in the month of October 2019, police arrested three gang members for theft and robbery of vehicles in Surat. So, getting your vehicles insured beforehand is important.
How Can Digit Insurance Save Your Car in Surat?
As discussed above the need for the insurance of your car is pretty high in Surat. In this regard, Digit’s car insurance online policy might just be the best choice!
Choice of Insurance: Digit provides three types of insurance:
- Third-party car insurance: This policy covers damages and injuries to the victim in an accident that is caused by your car.
- Comprehensive car insurance: This covers the third-party claim as well as the damages to your own vehicle.
- 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.
- Protect Yourself from Fines: Without a minimum third-party insurance you will be charged Rs. 2000 and/or imprisonment of 3 months. So a third-party car insurance from Digit can save you from getting fined and will cover the third party damages as well.
- Have a Comprehensive Car Insurance and Fight Natural Calamities: As Surat is a flood prone area, any car owner will not be at peace of mind during monsoon. So if you have a comprehensive car policy then you need not be worried about any damages during floods. It can be customized with add-ons like “Engine protection” to save your engine during monsoon.
- Super-Fast Claim: As everything is online, the claim is settled after an online verification.
- Low Premium: As no middlemen or agents are involved in Digit Policies the premium is low minus their commission.
Why Choose Car Insurance in Surat 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 Surat?
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 Surat
Following are the car insurance add-ons available in Surat:
What’s not Covered in Digit Car Insurance in Surat?
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 Surat
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 |
×
|
✔
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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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Damages to Third-Party Property |
✔
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✔
|
×
|
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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 Surat 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 Surat
Here’s the list of Digit's top 25 cashless garages in Surat, 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 Surat
Here is the list of office addresses in Surat as of August 5th, 2025: