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Car Insurance in Thrissur
Thrissur is the third largest agglomeration in Kerala. Apart from being the headquarters of the Thrissur district, this city is also the cultural capital of the state. Living in such a densely populated area, having a car insurance plan is crucial for every vehicle owner.
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It will provide you financial cover against any expense that you may incur due to an accident while driving on Thrissur’s busy roads. If you are thinking of purchasing a car insurance policy, consider Digit. Their online mode of settling claims makes the entire claim settlement process quick and hassle-free.
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Renew Car Insurance in Thrissur
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 Digit Car Insurance in Thrissur?
Purchasing a car insurance policy from Digit provides you with a lot of benefits. They are:
- Option to Customise Vehicle’s IDV: Your vehicle’s IDV or Insured Declared Value has a big impact on the sum insured and the premium of your insurance policy. Thus, to maintain transparency, Digit gives you the option to customise the IDV according to your preference.
- Super-fast Claim Settlement Process: You can claim your car insurance policy with Digit online by following a few steps. Simply call them in order to get a link to your registered number. Then, you have to follow a step-wise guide to complete the smartphone-enabled self-inspection process. Take pictures of the damaged portions of your vehicle and send them to Digit. The concerned team will get in touch with you with an estimate, and you can decide to opt for either a Reimbursement or Cashless Repairs. The entire process gets over in a matter of minutes, and you don’t need to submit a load of documents or fill out forms. Also, Digit comes with a high claim settlement ratio when it comes to private cars.
- Cashless Repairs at Network Garages: Digit has thousands of network garages all over India. When you choose Cashless Repairs, you can take your vehicle to one of these garages and get the damaged parts repaired. This will make sure that there is no extra expenditure from your end. Moreover, you also get 6 months of warranty on any repairs done from these network garages.
- 24 Hour Customer Support: In case you have any queries regarding your car insurance policy, Digit’s customer support representatives are always happy to help. They are available on call 24/7 and will happily help you out even on national holidays.
How Can Digit Insurance Save Your Car in Thrissur?
Apart from providing financial coverage for your damaged vehicle in the event of an accident, a Digit car insurance policy can save you from many unforeseen hassles:
- Getting Rid of Legal Penalties: The Motor Vehicles Act, 1988 makes it mandatory for every vehicle owner to have at least a third-party motor insurance cover. If you are caught driving your vehicle without a car insurance policy, there will be a fine of ₹ 2,000. For repeated offences, this fine will go up to ₹ 4,000. Moreover, in certain cases, the authorities may also punish you with 3 months of imprisonment or get your driver’s license cancelled.
- Personal Accident Cover: When an accident occurs, injuries, permanent disabilities, and death are common. Thus, every car owner must have personal accident cover. It will ensure that you have sufficient financial coverage for your medical treatment in the event of an accident. With this cover, you can financially secure your family. Additionally, you can opt for Digit’s health insurance related to hospital costs post-accident.
- Opt for a Car Insurance Policy That Suits Your Needs: There are three types of car insurance policies that you can opt for from Digit:
- Comprehensive Car Insurance: This type of insurance policy provides financial cover for damages to both your vehicle and third parties in the event of an accident or mishap. It also provides financial coverage for damages due to fire and natural and man-made disasters.
- Third-Party Car Insurance: A third-party insurance plan financially covers damages to third-party vehicles, individuals, and properties caused by your car.
- Own Damage Car Insurance: 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.
- Add-ons To Customise Your Car Insurance Policy: When you buy a comprehensive car insurance policy, you get the option to customise its coverage with the help of various add-ons. They come at nominal additional expenses but help you out in a variety of situations. For example, you can choose roadside assistance cover as an add-on. It will help you get coverage for expenses to fix your car in case you are stranded on the road due to a problem in your vehicle. This add-on also covers charges for towing your car and availing taxi service to help you reach your destination. You can also opt for an engine protection cover. Repairing or replacing the engine and its components can be quite expensive. With this add-on, you can get financial assistance for expenses that you can incur due to any damages to the engine and the engine parts. There are a lot of other options that you can consider while choosing add-ons. They include – passenger cover, tyre protection cover, zero depreciation cover, consumable cover, and return to invoice cover. So, with these add-ons, you can avail of extended coverage from Digit at a slight extra cost.
Why Choose Car Insurance in Thrissur 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 Thrissur?
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 Thrissur
Following are the car insurance add-ons available in Thrissur:
What’s not Covered in Digit Car Insurance in Thrissur?
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 Ahmedabad
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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✔
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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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Injuries/Death of a Third-Party Person |
✔
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✔
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Theft of your car |
×
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✔
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Doorstep Pick-Up & Drop |
×
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✔
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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 Thrissur 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 Thrissur
Here’s the list of Digit's top 25 cashless garages in Thrissur, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.