Comprehensive Car Insurance

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.
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Buy/Renew Comprehensive Car Insurance Policy Online & Get Up to 90% Off

what is comprehensive car insurance

What is Comprehensive Car Insurance?

Comprehensive car insurance is an all-inclusive car insurance that covers both third-party car insurance and own damage. 

It is a full coverage insurance for cars that offers the most extensive protection for your vehicle. Unlike third-party insurance, comprehensive insurance safeguards you against unforeseen losses such as an accident, natural calamity, fire or theft. 

Comprehensive car insurance covers repairs or replacement costs for your car and protects you from financial liability for injuries or property damage caused to others involved in an accident.

Additionally, with Digit’s Comprehensive Car Insurance, you can customize your policy further with a range of add-on covers. 

Why Should You Get Comprehensive Car Insurance?

Saves Money

Saves Money

You don’t realize how much even small repairs can cost until something suddenly happens to your car! Protecting your car with a comprehensive car insurance ensures dents on your car don’t lead to dents in your pocket!

Complete Coverage for your Car

Complete Coverage for your Car

A comprehensive car insurance gives you the maximum amount of coverage your car can get. Especially, with customizable add-ons available, you can protect your car from all possible situations.

Covers you Legally

Covers you Legally

People are often under the wrong impression that they need a third-party car insurance to drive legally. However, a comprehensive car insurance already includes and covers for third-party damages and hence ensures you can drive legally too 😊

What is Covered in Comprehensive Car Insurance?

Damages Due to Accidents

Even the tiniest accidents can cause so much trouble! That’s why this covers for you and your car during all unfortunate accidents. 

Car Thefts

Unfortunately, if your lovely car is stolen – your comprehensive car insurance will help make the situation better! 😊  

Losses to a Third-Party

It’s time to stop getting bitter over strangers for accidents both major and minor and let your comprehensive car insurance take care of the same! 

Damages due to a Natural Disaster

Nature’s many furies are not in your hands! Therefore, don’t worry if a flood or cyclone damages your car. If you have a comprehensive car insurance policy in place, you’ll be covered!  

Personal Injuries or Death in an Accident

Accidents can lead to not only car damage but personal injuries too! Comprehensive car insurance ensures you’re protected for in the likelihood of the same. (provided you have the PA cover).

Damages Caused in a Fire

Even a small fire can lead to major damage to your car or its parts! That’s why comprehensive car insurance ensures you don’t need to bear the brunt of it. 

What’s Not Covered in Comprehensive Car Insurance?

It’s true that a comprehensive car insurance gives your car 360-degree protection but here are some exceptions.

Driving Drunk

Any claims made in a situation where you were driving drunk won’t be considered. 

Driving without a License

You can’t make claims if you were driving without a valid driver’s license.  

Add-ons Not Bought

In case you haven’t bought a particular add-on you can’t claim for its benefits!

Consequential Damages

Consequential damages are those that take place after the accident. Unless covered for in an add-on, such damages can’t be covered.  

Contributory Negligence

To simply put it, don’t do things you aren’t supposed to! 😊 For example; if there are floods in your city, don’t take the risk and take your car out. Listen to your manufacturer’s manual cause such negligence can’t be covered!

Driving without a valid License Holder

In case you have a learner’s license, you should be driving with a valid license holder. Your car insurance won’t cover for you otherwise.  

Add-on Options available with Comprehensive Car Insurance

Get better coverage for your car with these add-on covers available with Comprehensive Car Insurance policy.

Zero Depreciation Cover

If your car is less than 5 years old, get this cover to avoid paying for the cost of depreciation during your car insurance claims. Read more about Zero Depreciation Car Insurance.

Breakdown Assistance

We all need a little help sometimes! That’s why we have this cover to help you out in situations where you need a helping hand. Read more about Roadside Assistance.

Tyre Protect Cover

Similar to an engine gearbox cover. Except this one covers and protects for your tyre in all possible situations, apart from just an accident. Know more about tyre protect add-on.

Engine & Gearbox Protection

A car insurance will only cover for engine or gearbox damage when it happens in an accident but, this cover lets you protect your engine and gearbox in all possible situations. Read more about Engine Protection cover.

Return to Invoice Cover

Ideal for new cars, this cover gives you the benefit of literally keeping your car as good as new. In case of a theft, or damages beyond repair this cover gives you back the complete value of your car’s invoice value. Read more about RTI in car insurance.

Consumable Cover

Every small thing makes a difference. That’s why this cover is dedicated to protecting all your car’s nitty-gritties such as engine oils, screws, nuts and more, regardless of any accidents. Read more about Consumable cover.

Passenger Cover

Your comprehensive car insurance already covers you but why not protect the person riding with you, too? Read more about Passenger Cover.

Why Choose Comprehensive Car Insurance 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

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 Comprehensive Car Insurance Policy

Key Features Digit Benefit
Premium Discount Up to 90% Off with PAYD Add-on
Premium Starting from ₹2094
No Claim Bonus Up to 50% Discount
Customizable Add-Ons 10+ Add-ons available
Cashless Repairs Available at 9000+ Garages
Claim Process Smartphone-enabled Claim process. Can be done online within 7 minutes!
Damages to Third-Party Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

Difference between Third-Party, Own Damage & Comprehensive Car Insurance

Third-Party

Comprehensive

Own Damage

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How to Buy/Renew Comprehensive Car Insurance with Digit?

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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.

Is it a Good Idea to Buy Comprehensive Car Insurance for Old Cars?

Who should buy a Comprehensive Insurance for Car?

The New Car Owner

Buying a new car is almost like a milestone for most people. After already spending so much on your new car, the least you should do for your car and your peace of mind is protect it with comprehensive cover.

The One Who Lives in the Big Bustling City

Driving in bigger, metro cities always has its own set of risks given the rise in traffic, accidents and even pollution. Therefore, to be on the safer side it’s always better to protect your car with a comprehensive car insurance. 

The Luxurious Car Owner

If you own a stunning BMW or Audi, you should opt for comprehensive car insurance that won’t only protect your car from damage and theft but will also save your pocket from any other unexpected losses!

The Overprotective Car Parent

It’s okay to feel a little possessive about your dear car. Sometimes, even a small scratch can hurt! If you’re picky about anything happening to your car, then this goes without saying that you need comprehensive car insurance!

The Clumsy Driver

We’re a little clumsy sometimes but some of us, maybe more than the rest! If you’re someone who’s always prone to little accidents and mishaps, then it’s better you opt for Comprehensive Car Insurance that will help you and your car in all the clumsy situations!

People Who Frequently Go on Road Trips

If you often take the country down by road then getting comprehensive car insurance is almost compulsory! After all, the last thing you want while traveling is unexpected losses. Besides, comprehensive cover also lets you opt for breakdown assistance, that you could benefit from while traveling across the country. 

Why Should You Upgrade to Comprehensive Car Insurance?

How to Calculate Comprehensive Car Insurance Premium?

Factors Affecting Comprehensive Car Insurance Premium

FAQs about Comprehensive Car Insurance Policy

Manasvi Gupta

Written By

Manasvi Gupta

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Reviewed by:

Mayur Kacholiya