Car Insurance in Vadodara
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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.
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.
Why Do You Need Car Insurance in Vadodara?
Let's look at some of the challenges faced by car owners in Vadodara which makes having a valid car insurance policy even more important.
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.
How Can Digit Insurance Save Your Car in Vadodara?
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. Additionally, health insurance can help ease hospital-related expenses following an accident. If you don't have sufficient funds for your treatment, the insurance can help reimburse your medical expenses..
- 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.
Why Choose Car Insurance in Vadodara 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 Vadodara?
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 Vadodara
Following are the car insurance add-ons available in Vadodara:
What’s not Covered in Digit Car Insurance in Vadodara?
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 Vadodara
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 |
×
|
✔
|
✔
|
|
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 |
×
|
✔
|
✔
|
|
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 Vadodara 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 Vadodara
Here’s the list of Digit's top 25 cashless garages in Vadodara, 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 Vadodara
Here is the list of office addresses in Ahmedabad as of August 5th, 2025: