Car Insurance in Vadodara

Vadodara is the second largest city in Gujarat and the administrative head of the Vadodara district. If you are a vehicle owner in Vadodara, having a car insurance policy is crucial. This makes sure that you get financial cover in case of an accident or any mishap due to theft, fire, man-made or natural disasters.

Furthermore, the Motor Vehicles Act of 1988 mandates every car owner to have a third-party insurance policy. You can opt for a third-party or a comprehensive plan as per your budget and requirements.

So, in case you are looking for a vehicle insurance policy, consider getting one from Digit.

Following are the car insurance add-ons available in Vadodara:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

Vadodara, formerly known as Baroda, is the third-largest city of Gujarat and is located on the banks of Vishwamitri River. It is also known as the Sanskari Nagari of India and is an important industrial, cultural, and educational hub of Western India. This cosmopolitan city is home to many lavish palaces such as Lakshmi Vilas Palace, Nazarbaugh Palace, and Makarpura Palace. Vadodara also has beautiful art galleries, gardens, lakes, and museums that form an integral part of the tourist attractions of the city.

Challenges Faced by the Car Owners in Vadodara

• Bad Road Condition: The biggest challenge for car drivers in Vadodara is a large number of potholes on the roads. Such potholes not only affect the traffic movement but also makes the journey tiring and time-consuming. Moreover, most of the streets in Vadodara are dug up by the Vadodara Municipal Corporation (VMC), which poses a great threat to the commuters. 
• Heavy Traffic: Many areas in Vadodara are prone to traffic jams and accidents. Heavy traffic during peak hours disrupts the smooth and consistent flow of vehicles. This results in over-speeding and wrong side driving, eventually leading to serious accidents. Nahari Circle, Kalaghoda Circle, Rajmahal Road, and Jail Road, are some of the busiest roads in Vadodara. 
• Heavy Rains and Floods: During monsoons, the city of Vadodara is often affected by severe floods. These floods affect the life of common people and also cause severe damage to the vehicles. Moreover, the roads are entirely waterlogged during rains, and the cars might face a problem if the water enters the engine. 

Due to heavy traffic, rains, and deadly potholes on the streets, driving can be quite a challenge. Hence, car-owners must buy car insurance in Vadodara. Digit Insurance provides various types of plans and a seamless claim settlement process. 

• Choose from Three Types of Car Insurance Policies:
  • Third-Party Liability Policy: It covers any damage or injury caused by your car to the third person or property.  
  • Comprehensive Car Insurance: It is a full package that provides protection against several insured events, such as accidents, fire, theft, riots, floods, etc.
  • 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: Since potholes and traffic jams are the leading causes of accidents in Vadodara, buying a Digit personal accident cover can be the best option. This cover provides financial stability to you, and your loved ones in case of serious injuries and even death caused in a car accident. Also, if you don't have enough money for your treatment, personal accident cover can reimburse your medical costs. 

• Avoid Heavy Fines: Having third-party car insurance is a legal obligation. If caught driving without insurance, you'll be liable to pay a fine of ₹.2000 for the first offence, and Rs.4000 for the subsequent offences. It can even result in imprisonment for up to 3 months and suspension of your driver's license. Thus, Digit third-party insurance can save you from these penalties and also from paying such hefty fines.

• Comprehensive Policy to Protect Your Car: There are many busy and accident-prone streets in Vadodara that can make the daily commute slower and stressful. Hence, for complete protection of your car, Digit's comprehensive car insurance policy is a must for you. It provides additional protection than third-party insurance and can cover damages caused by floods, falling objects, vandalism, and other natural calamities. 

• Add-ons Suitable for Vadodara: You can further improvise the comprehensive cover by opting for various add-ons. For example, during the rainy season when the roads are completely waterlogged, your car engine is prone to crucial damages. Since the engine is the most important and expensive part of a car, repairing it can cost you a huge amount of money. Engine protection cover can financially protect you against such expenses.