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Buy/Renew Comprehensive Car Insurance Online in India in 2025
If you want to hit the road with peace of mind, get Comprehensive Car Insurance online by Digit today!
This guide will take you through everything you need to know about comprehensive insurance meaning and buying or renewing comprehensive car insurance in India for 2025.
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?
Digit’s Motor Insurance Claim Settlement Ratio is 96% for FY’25
When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:
Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
Cashless Claims at over 9000 garages in India, so you can get your two-wheeler fixed without stress.
Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!
Digit Car Insurance in News!
Monsoon Car Woes: Protect Your Car With Comprehensive Motor Insurance And Add-Ons
- 19 Oct 2025
- Business Insider
As EV cover picks pace, battery coverage is the name of the game
- 18 Apr 2025
- Times of India
Go Digit posts 3x jump in Q2 net profit; gross premium collected at Rs 2,368 crore
- 24 Oct 2024
- The Economic Times
Drive less, pay less: Why 'Pay as You Drive' insurance may be right for you
- 21 Aug 2024
- Business Standard
Pay As You Drive (PAYD): Motor insurance ad-on that customises your premium as per driving distance
- 1 Mar 2024
- Zee Business
Dogs, coconuts and monkeys: Insure your vehicles from their mayhem right now!
- 20 June 2024
- Business Insider
What is Covered in Comprehensive Car Insurance?
Even the tiniest accidents can cause so much trouble! That’s why this covers for you and your car during all unfortunate accidents.
Unfortunately, if your lovely car is stolen – your comprehensive car insurance will help make the situation better! 😊
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!
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!
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).
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?
It’s true that a comprehensive car insurance gives your car 360-degree protection but here are some exceptions.
Any claims made in a situation where you were driving drunk won’t be considered.
You can’t make claims if you were driving without a valid driver’s license.
In case you haven’t bought a particular add-on you can’t claim for its benefits!
Consequential damages are those that take place after the accident. Unless covered for in an add-on, such damages can’t be covered.
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!
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-ons to Customize your Comprehensive Car Insurance
Get better coverage for your car with these add-on covers available with Comprehensive Car Insurance policy.
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.
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.
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.
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.
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.
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.
Your comprehensive car insurance already covers you but why not protect the person riding with you, too? Read more about Passenger Cover.
Why Should You Buy Comprehensive Car Insurance by Digit?
Difference between Third-Party, Own Damage & Comprehensive Car Insurance11
| Third-Party | Comprehensive | Own Damage |
Damages/Losses to own car due to an accident |
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Damages/Losses to own car in case of fire |
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Damages/Losses to own car in case of a natural calamity |
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Damages to Third-Party Vehicle |
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Damages to Third-Party Property |
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Personal Accident Cover |
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Injuries/Death of a Third-Party Person |
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Theft of your car |
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Customize your IDV |
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Extra protection with customized add-ons |
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| Get Quote | Get Quote | Get Quote |
Know more about the difference between comprehensive and third party insurance
Documents Required to Buy Car Insurance Online
While buying a new car insurance policy online from Digit, you don’t need a load of documents or paperwork. By having the following documents handy, you can easily buy a new car insurance policy within minutes:
Comprehensive Car Insurance for Old Cars
Comprehensive car insurance protects all kinds of cars- whether luxurious, old, or new. However, most people get a third-party policy for their old cars when they should get a comprehensive car insurance policy. This is because it is more beneficial and offers enhanced coverage for an old car if you still use it regularly.
Also, before deciding on buying comprehensive insurance coverage for your old car, consider its age as well as how long you plan to continue using it.
For example, if you have a car older than 10 years, but you use it regularly for commuting to work and plan to use it for the next four years.
So, getting comprehensive car insurance would be a wise decision as older cars have lower market value so you can get insured for a lower premium and get enhanced protection.
Who should buy a Comprehensive Insurance for Car?
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.
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.
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!
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!
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!
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.
How is AI making Digit’s Motor Insurance Claim Process Faster & Smarter
At Digit, we believe filing a motor insurance claim should be simple, not stressful. That’s why we’ve built intelligent automation into every step of the process—so you can get back on the road, faster.
- AI That Sees What You See: When you upload a video of the damage through our app, our AI doesn’t just watch—it analyses. Using advanced image recognition, it assesses the extent of the damage, classifies it, and helps determine the next steps. This means quicker evaluations, fewer delays, and a smoother experience for you.
- Automated Document Processing: From inspection reports to claim forms, our AI systems automatically sort and process your documents. This reduces manual effort, minimises errors, and speeds up approvals. And with a human-in-the-loop approach, we ensure every claim is handled with both precision and empathy.
- Automation That Works Behind the Scenes: Our systems also fetch claim details directly from partner platforms, eliminating the need for repetitive data entry. Whether it’s Bulk Policy Issuance or real-time claim registration, automation helps us move faster—so you don’t have to wait.
67% Car Repair Work Approvals Done within 12 Hours
In H2 FY25, our average car repair approval time was 14 hours and 46 minutes, with 67% of approvals completed within 12 hours. Only a few cases experienced longer wait times, typically due to complex assessments or the need for additional documentation, highlighting our commitment to minimising delays and maximising efficiency.
Rest assured, we carefully monitor every step to ensure your car is back on the road as swiftly as possible!
Digit Settled 9.16 Lakh Claims with 99.9950% Accuracy in FY'25
The below data is for all the products as given in the table below.
Settled 9.16 Lakh Claims Settled
That’s how many times we showed up for our customers in FY 2024–25. Behind each of those numbers is a mishap, and we were right there, making sure things got sorted quickly.
Out of these, nearly ₹6.52 lakh were motor insurance claims alone—proof that we’re there when it matters most, whether it’s something trivial or serious.
₹4,622 Crore Paid in Claims
From minor hiccups to major emergencies, we made sure our customers didn’t have to carry the financial burden alone. Quick settlements, zero confusion, and real peace of mind.
Of this, ₹2,199 crore was paid out under motor insurance, covering everything from accidents to unexpected situations like rat damage.
99.9950% Claims Accuracy
Out of 9.16 lakh claims in FY 2024–25, only 256 were escalated to the Hon’ble Ombudsman^. Out of which only 46# were escalated and ruled in favour of the customer. This significantly proves the claim's accuracy rate of 99.9950%.
For Motor Claims, out of 256 escalated claims for Digit, just 124 were motor-related. By year-end, 104 motor claims were closed, with 28 resolved through mediation. Only 26 health claim decisions went in favour of customers.
Ombudsman Complaints for FY 2024-25
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost, and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
Interesting Claim Stories & Insights from Digit Customers
A Digit Car Insurance customer received a total loss claim of ₹48.70 Lakh in Mumbai
In a recent case from Mumbai, one of our policyholders experienced a total loss after their private car sustained severe damage. Fortunately, the vehicle was insured, and we processed a claim payout of ₹48.70 lakh. This case highlights the importance of having dependable insurance coverage to stay prepared for life’s unexpected turns.Digit Settled a third party claim worth ₹ 1.5 crores in Raipur, Chhattisgarh
In a recent case from Raipur, a private car was involved in an accident that tragically resulted in a fatality. While such incidents are deeply distressing, they also bring significant financial and legal responsibilities. Fortunately, the vehicle was covered under our third-party insurance policy, which enabled a compensation payout of ₹1.5 crore to the affected party.
This case highlights the critical importance of third-party liability coverage in motor insurance, offering essential financial protection during life’s most difficult moments.
Flood Damage Claims Cross ₹95 Crore, with ₹3 Crore Settled in Azitnagar
When we think of car insurance, we often imagine accidents or theft. But sometimes, the most significant threats come from nature itself. Azitnagar in the Krishna district, had 529 flood-related claims filed this year, with payouts exceeding ₹3 crore. Across the country, we paid out more than ₹95 crore in flood and inundation claims.Seven Accident Claims in One Year on One Car, All Approved
One customer in Patna had a year they won’t forget. Their brand-new Kia Carens was involved in not one, not two, but seven accidents. Six happened while driving, and one happened while the car was parked. It was an actual test of their insurance policy and it passed. Every claim was covered, proving that dependable coverage can make all the difference when things go wrong again and again.Premium Protection For Premium Vehicles
This year, we received some standout premium payments across different vehicle types. A Ferrari topped the list in the four-wheeler category with a premium of ₹8.04 lakh. In the two-wheeler segment, a Hayabusa was insured with a premium of ₹44,000. And in the commercial vehicle category, a Volvo L150 wheel loader was covered with a premium of ₹3.53 lakh. This highlights how our insurance scales to match the value and purpose of every vehicle, whether it’s built for speed or styleOver 670+ Vehicles Insured with ‘007’ Registration
This year, over 670 vehicles insured with us proudly carried the iconic Bond number “007”. Among them, one standout customer paid a premium of ₹5 lakh. This highlights how our insurance supports unique preferences while ensuring complete coverage.Why Should You Upgrade to Comprehensive Car Insurance?
To ensure your car is protected you need to Compare Car Insurance policies to know which suits you the best.
People often make the mistake of only getting third-party car insurance because it’s cheaper. However, what they don’t realize is that even in the case of a small accident and damage to one’s own car, they’ll have to shell out money from their own pocket.
Instead, just spend a little more on a comprehensive car insurance policy and be relieved from any unexpected expenses!
How to Calculate Comprehensive Car Insurance Premium?
You can use our Car Insurance Premium Calculator toe asily calculate the estimate premium of comprehensive car bike insurance.
It considers various factors such as the car's IDV, NCB, add-on covers you bought, RTO location of your four-wheeler, and any modifications made to your car for aesthetic purposes or to enhance performance.
However, the formula to calculate the premium payable for a car insurance policy is:
Premium payable = Third-party car insurance premium (fixed by IRDAI) + (Own Damage - NCB and other discounts (if applicable)) + add-ons
Factors Affecting Comprehensive Car Insurance Premium
The premium of comprehensive car insurance policy depends on various factors, such as:
Insured Declared Value (IDV): Your car’s IDV is its approximate market value. So, the higher the IDV, the higher the premium of your car insurance policy.
No Claim Bonus (NCB): Let's understand what is ncb in car insurance. It is the discount you receive on your insurance premium if you haven’t raised any claim in the previous policy year. So, depending on your claims record, your next year’s premium will be lower.
Model/Make of Car: The make and model of your car significantly affects your car insurance premium as the more expensive car model, the higher will be the premium. Similarly, if your car is fitted with expensive parts or powerful engines, they will have higher repair costs, and hence higher premium.
Car’s Age: Older cars fetch less base premium as the depreciation on their parts increases, making them lose their value over time.
Add-ons: Getting car insurance add-ons from the 11 add-on covers available with comprehensive insurance for car at Digit increases your base premium amount, as they offer enhanced protection in different scenarios.
RTO Location: Your car’s RTO location or where your vehicle is registered also impacts the insurance premium. If it's a high-traffic metro city or accident-prone area, you are liable to pay a higher premium due to the increased risk.
Modifications to Car: If you’ve made any modifications to your car to enhance its performance or aesthetic, you will have to pay a higher insurance premium amount to cover the costs of these parts.
FAQs about Comprehensive Car Insurance Policy
How is comprehensive car insurance different from zero-depreciation car insurance?
They're two completely different things! A comprehensive car insurance is a type of car insurance policy, while the zero depreciation is an add-on you can opt for in your comprehensive car insurance policy.
Is it a good idea to buy comprehensive car insurance for an old car?
This depends on how old your car is, and how often you use it and how much longer you plan to use it. If your car is still under 15 years old and you do use it on a regular basis, getting a comprehensive car insurance won’t even cost you much, and will ensure you don’t need to spend on it in the case of any unfortunate situations.
When to purchase a comprehensive car insurance policy?
The ideal time to purchase a comprehensive car insurance policy is when you’ve just got your car. However, it’s never too late! If you currently only have a third-party policy you can upgrade with an Own Damage cover or, if your policy is due for renewal soon – just renew with a comprehensive car insurance policy this time 😊
What is the comprehensive insurance meaning for car?
It is the most extensive car insurance plan that covers repairs and replacements for damage to your car or loss in case of accidents, theft, fire, etc. It also covers third-party liabilities.
Is bumper to bumper insurance the same as comprehensive car insurance?
No, a comprehensive car insurance plan provides coverage only against third-party liabilities and own damages. However, bumper-to-bumper car insurance is zero-depreciation insurance, which is an add-on and provides full coverage for a car's depreciating parts, along with comprehensive car insurance.
What is the duration of a comprehensive car insurance policy?
Generally, a comprehensive car insurance policy is valid for one year. After that, you need to renew your car insurance policy before the expiry date.
Can I upgrade to comprehensive insurance after third-party insurance?
Yes, you can upgrade to comprehensive insurance from third-party insurance by contacting your insurer. However, remember that you will have to pay the difference in premium.
Which is more expensive, third party or comprehensive car insurance?
Comprehensive car insurance is more expensive than third-party insurance because third-party only covers damages to others, while comprehensive covers your own car's repairs or replacements as well as third-party liability.
Which is the best comprehensive insurance for my car?
Different insurers offer different perks with insurance policies. So, to get the most suitable one consider factors like coverage offered, premium cost, add-ons available, customer support, and customer reviews.
Can I renew my comprehensive car policy online?
Yes, you can easily renew or buy a new comprehensive car insurance policy online via Digit website or app.
What is the difference between first party and comprehensive insurance?
"First party" refers to the policyholder, whereas comprehensive insurance is a type of car insurance that covers your own car for damages or loss and the third-party liabilities.
Do I have to pay anything for comprehensive only car insurance?
Yes, comprehensive car insurance is not free, therefore you have to pay a premium amount based on various factors to protect your car.
Is bumper covered under comprehensive car insurance?
Any damage to the bumper may or may not be covered under your car insurance depending on the type of insurance plan you have chosen. It is generally covered under comprehensive car insurance, or you can also buy an add-on if available.
What car parts are covered in the comprehensive insurance policy?
The basic spare parts are generally covered in a comprehensive car insurance policy. To cover other accessories or car parts, you can buy specific add-ons available with the comprehensive policy.
Which is better - comprehensive or third-party car insurance?
Often comprehensive car insurance is considered better as it offers enhanced protection (own damage + third-party liabilities), but costs more. Whereas, third-party is mandatory by law and cheaper, but only covers damages to others. So, it depends on your needs which is the most suitable for you.
How do I know if my car insurance is comprehensive?
Check your car insurance policy details or contact your insurer to know if your car insurance is comprehensive.
What is the premium amount of comprehensive car insurance?
The cost of comprehensive car insurance premium varies depending on the make and model of the car, and the coverage type and add-ons you choose.
Is it mandatory to have a comprehensive car insurance policy?
No, in India only third-party liability is mandatory by law. However, if you want overall car protection, you should go for a comprehensive policy.