Car Insurance in Visakhapatnam
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Visakhapatnam is the most populated city in Andhra Pradesh. The people of this city prefer to travel by car, and thus the streets remain busy throughout the day. In such a scenario, accidents are common and thus, having a car insurance policy is essential if you are a vehicle owner. Furthermore, the Motor Vehicles Act of 1988 mandates every car owner to have at least a third-party insurance cover.
If you are looking for a car insurance policy provider, there are a lot of big names in the market. Among them, Digit is a company that you can trust. You can avail of facilities like easy and fast online claim settlement and 24/7 customer support.
Visakhapatnam (commonly referred to as Vizag) is the largest city (both in terms of area and population density) and the financial and industrial capital of Andhra Pradesh. The city is marked with a population of ~5.18lakh, high literacy rate (~74%) and average annual growth rate of 2.17% (for the period 2006-2020) driving high disposable income, sale of the car and associate motor insurance over the years. However, with this momentous growth, challenges in terms of rising vehicle traffic, irrational driving, lack of proper infrastructure, etc. have also accelerated.
Why Do You Need Car Insurance in Visakhapatnam?
Let's look at some of the challenges faced by car owners in Visakhapatnam which makes having a valid car insurance policy even more important.
Lack of Proper City Planning
Vizag’s road network is comparatively very dense and congested due to narrow carriageways further marked with high pedestrian traffic and slow-moving vehicle concentration. As per the existing land use plan (according to the City Report 2019), the area under road and railways is about ~6%.
Rising Traffic
The city reported increased disposable income promoting vehicular purchase, usage and sale. Further, the bumper-to-bumper traffic congestion, especially during ‘peak/rush hours’ is accelerated by auto-rickshaws (constitute ~70% of the total traffic), unorganized and stationary vehicles on carriageways.
Increased Traffic Violations
In 2019, traffic violations in Vizag, including cancellation of driving license due to rash driving, use of cell phones while driving, overloading and drunk driving, increased by 50%. The statistics also refer to the irrational percentage of drivers on the road who can actually cause accidents and lead to damage on a rational car owner’s vehicle.
Scarcity of Parking Spaces
Scarcity of parking space, especially near corporate parks and holiday/getaway places have also been marked as accident-prone areas - majorly for scratches, dents, and minor accidents due to paucity of place for better parking and mobility.
Theft
Vehicle robbery in the urban neighbourhood, accidents and vandalism is comparatively higher than that in the rural areas.
Why Choose Car Insurance in Visakhapatnam 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 Visakhapatnam?
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 Visakhapatnam
Following are the car insurance add-ons available in Visakhapatnam:
What’s not Covered in Digit Car Insurance in Visakhapatnam?
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 Visakhapatnam
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 Visakhapatnam 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 Visakhapatnam
Here’s the list of Digit's top 25 cashless garages in Visakhapatnam, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.
How Can Digit Insurance Save Your Car in Visakhapatnam?
Legally, the Motor Vehicles Act, 1988, mandates the purchase of car insurance policy for any car purchase by the owner, irrespective of which type of insurance one chooses for himself/herself. Also, an insurance policy for car brings in holistic safety for one’s life, money, third party damage and of course the heavily invested money on the car.
Choice of Insurance: Digit offers three types of insurance:
- Third-Party Car Insurance: covers any damage caused from an accident initiated by you for the third party victim/car
- Comprehensive Car Insurance: covers all damages caused to third party, own vehicle, personal damages, theft, 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.
Check: Use Car Insurance Calculator to get the car insurance quotes.
- Add-on Cover Insurance: Add-ons along with the insurance chosen is also available as per the state, which includes engine and gearbox protection, advance cash facility, tyre protection cover, zero depreciation, etc.
- Online Policy Renewal Facility: The entire system is digital and offers comprehensive service offering over its online portal along with claim settlement, policy renewal, etc.
- Heavy Penalization Waivers: The car insurance (third party insurance) can enable the car owner to avoid heavy fines implied. Recently, under the new road transport and safety bill, 2014, a proposal of increased in fine for non-insured car owners from Rs.10, 000 to Rs.75, 000 has been proposed.
- Quick Service: With congested road, busy professional life and paucity of time, facility for selection of garage for car repair, by GoDigit, creates its own USP with high preference among its customers.
Digit Insurance Registered Offices in Visakhapatnam
Here is the list of office addresses in Visakhapatnam as of August 5th, 2025: