Car Insurance in Udupi
9000+ Cashless Garages
96% Claims Settled (FY 24-25)
Buy or Renew Car Insurance in Udupi Online, Up to 90% off
Udupi is one of the fastest-growing cities in the state of Karnataka. It also constitutes the administrative headquarters of Udupi district. Besides being a notable tourist spot, this city is also a house to renowned educational institutes. Agriculture and fishing comprise the primary economy of Udupi, along with thermal power industries.
Due to the increasing population, developmental work, and tourist inflow, the roads are mostly overcrowded with massive traffic, enhancing the risk of fatal accidents. Therefore, if you are a car owner from Udupi, you must opt for a car insurance policy to safeguard your vehicle and your finances during sudden mishaps.
When choosing an insurance provider, you can consider Digit, as it is one of the most reliable insurers in India.
Keep reading for a better idea of our insurance policy plans.
Why Should You Opt for A Car Insurance Policy in Udupi From Digit?
Digit's car insurance policy comes with several features that help you stay protected during an unforeseen incident:
- Customising the IDV: IDV, also known as the Insured Declared Value, is an essential factor in your car insurance policy. This is basically the current market value of your car. Your car's IDV directly affects your insurance premium and the sum insured. Digit maintains transparency with its entire clientele, so we offer you the option to customise the IDV as per your choice and budget.
- Get 24/7 Assistance: Whenever you come up with an insurance-related query or face any emergency, you can reach us via calling our helpline number. We are available 24/7, irrespective of Sundays and national holidays. So, we can assist you whenever you need expert advice or assistance.
- Quick and Easy Claim Settlement Process: Our claim settlement procedure is online, so raising a claim against your insurance policy takes just a minute. Also, you don't need to go through the hassles of paperwork and documentation. You can raise your claim through our smartphone-enabled self-inspection mode. In this process, you can reach us via calling on the provided number and get a self-inspection link on your registered mobile number. Next, you need to follow the guidelines to capture your car's damages and send them to us. Upon receiving the images, our concerned team will reach you with an estimate. Finally, you can choose the repair mode. It can either be Reimbursement or Cashless as per your preference.
- Cashless Repair From Our Network Garages: By choosing our cashless repair mode, you can get your car repaired from any of our network garages without paying additional charges. We have thousands of network garages all over India that provide a six months warranty on every repair.
How Can Digit Car Insurance Policy Protect Your Vehicle in Udupi?
There are many ways in which Digit car insurance can safeguard your vehicle from unexpected accidents or issues. Here are some of them:
- Maximise Your Insurance Coverage with Add-ons: When you buy a comprehensive car insurance policy, you get to include add-ons. These add-ons extend your insurance coverage against a nominal extra monthly charge. However, you can decide which add-on you want to buy per your budget and preference. For instance, if you opt for the daily conveyance benefit, you get compensated for the daily travel expenses when your car is under repair. This benefit will be in the form of a fixed allowance or coupons for taxi rides. However, other add-ons that Digit offers include tyre protect cover, zero depreciation cover, consumable cover and more.
- Avoid Legal Hazards: According to the Motor Vehicle Act 1988, every vehicle in India must be insured against third-party risks. However, if anyone drives a vehicle without buying an insurance plan, they will be fined a hefty charge of ₹ 2000, which may rise to ₹ 4000 if the offence is committed constantly. Moreover, authorities can also imprison you for three months or suspend your driving license in some exceptional cases. So, when you purchase a car insurance policy from Digit, you stay protected from such legal penalties.
- Get Personal Accident Cover: Personal accident cover is necessary to buy when you get a vehicle insurance policy. It covers you financially during injuries and permanent disabilities caused due to an accident. Moreover, it provides financial assistance to the nominee if the policyholder dies in an accident. Thus, when you buy a PA cover from us, you protect your finances and enhance your family's security as well. For added peace of mind, a health insurance policy can help manage the costs of treatment and hospitalisation.
- Choose a Convenient Car Insurance Policy: You can choose between the following three car insurance policies depending on your convenience and budget:
- Third-party Car Insurance
- Comprehensive Car Insurance
- Own Damage Car Insurance
Go through the features, costs and coverage benefits of each policy before making a choice. If you wish to cover only third-party liabilities, then opt for the third-party plan.
Why Choose Car Insurance in Udupi 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 Udupi?
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 Udupi
Following are the car insurance add-ons available in Udupi:
What’s not Covered in Digit Car Insurance in Udupi?
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 Udupi
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
|
Damages/Losses to own car due to an accident |
×
|
✔
|
|
Damages/Losses to own car in case of fire |
×
|
✔
|
|
Damages/Losses to own car in case of a natural calamity |
×
|
✔
|
|
Damages to Third-Party Vehicle |
✔
|
✔
|
|
Damages to Third-Party Property |
✔
|
✔
|
|
Personal Accident Cover |
✔
|
✔
|
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
|
Theft of your car |
×
|
✔
|
|
Doorstep Pick-Up & Drop |
×
|
✔
|
|
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 Udupi 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 Udupi
Here’s the list of Digit's top 25 cashless garages in Udupi, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.