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Content Writer
Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.
Content Writer
Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.
Product Head - Motor
Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.
Product Head - Motor
Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.
Electric cars are becoming more popular as they are cost-effective and better for the environment, and just like regular cars need petrol or diesel as fuel, electric cars need electricity to run!
Since electric cars are not yet as common as petrol/diesel cars in India, getting a car insurance policy for your electric car can be a bit different.
Electric car insurance is a type of motor insurance that protects electric cars from potential damage and losses that may occur due to accidents, natural calamities, fire or theft, and even third-party liabilities.
The EV car insurance policy is designed to provide additional coverage specific to electric vehicles such as battery coverage, electric motor, charging station coverage, repair costs for electric vehicles, etc.
You can’t predict what might happen to your precious electric car. So, having electric car insurance can be a great help and offer financial protection in an unfortunate event. You must also keep in mind that having at least third-party car insurance is mandatory in India.
Here's why you should get electric car insurance India:
Coverage for Your Electric Car: EV insurance for electric cars acts as a safety net and protects your car in unforeseen circumstances. Under the Comprehensive Policy, you get coverage for your own damage liabilities, while in a situation where you have caused an injury or damage to a third-party, it will be covered under third-party policy.
Compliance with the Law: Getting an electric vehicle insurance for your car will also help you comply with the law to drive electric cars on Indian roads.
Protection Against Repair Costs: Since electric vehicles are comparatively new in the Indian market, the cost of repairing electric motors and other EV-specific components can more than for fuel-run cars. Therefore, having EV insurance for electric cars helps take care of these costs.
Coverage for Specific EV Requirements: EV insurance also covers specific requirements related to electric vehicles such as electric motors, batteries, and charging systems, depending upon your insurer.
Peace of Mind: Having car insurance for your electric vehicle also ensures peace of mind as you get financial security in case of any unfortunate event.
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Damages and losses that may arise out of accidents and collisions
Covers for the losses incurred when your car is unfortunately stolen
Damages and losses caused to your car due to an accidental fire
Damages and losses to your car in case of natural calamities such as floods, cyclones, etc.
If there is a car accident and unfortunately, it leads to death or disability of the owner
In cases where your car causes damages and losses to someone else, their car or property.
Car insurance add-ons which you can buy with your car insurance policy
EV Shield add-on cover compensates you in case of loss or consequential damage to your EV or Hybrid Vehicles (petrol/diesel + electric), including loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and roadside assistance services related to EV’s battery issues.
The zero depreciation cover removes the depreciation amount charged on your car and its parts and gives you the full value of repairs, costs and replacements during a claim.
This tyre protect add-on gives you the benefit of safeguarding and covering for tyre damage such as tyre bursts, bulges or cuts during all other situations possible.
We all need a little help sometimes! Our Breakdown Assistance Add-On gives you the benefit of getting help whenever required, i.e. assistance during car breakdowns at any time you'd like – and it doesn't even count as a claim!
A consumable cover covers the cost for all your electric car's nitty-gritties, such as screws, nuts and bolts, grease, etc., in case of an accident.
Pay as you drive cover allows the policyholder to pay only as per the kilometers covered by the insured EV, which is up to 10,000 km. The option to top up kilometers is also offered under the base policy by paying additional premium.
The Daily Conveyance Benefit add-on compensates the policyholder for daily transport in the form of a fixed daily allowance or a standby vehicle for the time when the insured electric vehicle is in the garage for repair.
The cost of repairing or replacement of the lockset in the car in case of theft, loss or damage is covered by the insurer as part of the Key and Lock Protect add-on cover.
If the policyholder or any immediate family member suffers from any loss of personal belongings specified as per the policy when kept in the insured EV, it shall be compensated by the insurer under this add-on.
With return to invoice add-on you get back the complete amount of your car's invoice value in case of theft or damage beyond repair, including the cost of registering a new vehicle and its road tax respectively.
Here are some situations which are not covered under electric vehicle insurance policy:
In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.
You can’t make a claim if the driver was driving drunk or without a valid driving licence at the time of mishap.
In case of an accident if the driver is found with a learner’s licence or without a valid driving without a valid driving licence, no claim is registered.
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged electric car is driven incorrectly and the engine gets damaged) will not be covered.
Any contributory negligence (e.g., damage due to driving the electric car in a flood, which is not recommended as per the manufacturer’s driving manual) will not be covered.
If you haven’t bought an add-on, the corresponding benefits will not be covered, and hence no claim will be provided against them.
1.2 Crore+
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Cars Insured
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Claims Settled
3000 Crore+
Paid-in Claims
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FY'25
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Cashless Garages
Disclaimer: "The total no of claims settled since inception till 31st December 2024" Disclaimer: "The total no of unique private car vehicles insured since inception till 31st December 2024" Disclaimer: "The total amount of claims paid since inception till 31st December 2024" Disclaimer: This Claim Settlement Ratio is calculated for Overall Motor line of business of Digit. CSR Is calculated for FY'25. CSR Ratio is count of (Claims paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End) |"Disclaimer: The total count of network garages as of 31st December 2024"
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9000+ Cashless Network Garages for you to choose from across India
Just click the damages on your phone and you are done
We've settled 96% of all claims for private cars!
24*7 call facility even on National Holidays
With us, you can customize your vehicle IDV as per your choice!
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!
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Damages/Losses to own car due to an accident Covers for damages to your own car in case of an accident or collision. |
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Damages/Losses to own car in case of fire Covers for damages and losses to your own car caused due to a fire. |
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Damages/Losses to own car in case of a natural calamity Covers for damages and losses caused to your own car due to a natural calamity such as floods, earthquakes, cyclone, etc. |
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Damages to Third-Party Vehicle Covers for damage caused by your car to any third-party vehicle, up to 7.5 lakhs. |
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Damages to Third-Party Property Covers for damages and losses caused by your car to any third-party property, to up to 7.5 lakhs. |
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Personal Accident Cover Covers for owner-driver's bodily injuries or death. (Mandatory by law, one can opt in for the same if they don’t have one already). |
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Injuries/Death of a Third-Party Person Covers for bodily injuries or death caused by your car to any third-party person, up to unlimited liability. |
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Theft of your car Covers for losses if your car is unfortunately stolen. |
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Customize your IDV Customize the IDV of your car as per your choice and consequently adjust your car insurance premium accordingly. |
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Extra protection with customized add-ons Give your car an extra layer of protection with customized add-ons such as tyre protect cover, engine and gearbox protection, zero depreciation add-on, etc. |
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Know more about:- Difference between Comprehensive and Third Party Insurance.
Disclaimer - The premium calculation is done for Tata Nexon EV Prime XM, including GST, for ex-showroom Delhi, given the NCB is 50%, no add-ons, previous policy is not expired, & IDV is the lowest available.
Car insurance premiums for private electric cars are based on many factors, like kilowatt capacity, make, model, and age.
However, Insurance Regulatory and Development Authority of India (IRDAI) has fixed the electric car insurance rates for the mandatory third-party electric car insurance in India. So, the new electric cars in India are already covered under 3rd party policy for three years.
Also, as a measure to promote electric vehicles in India, IRDAI has set a 15% discount on third-party insurance premium rates for EV, as compared to petrol and diesel vehicles.
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.
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:
Car Registration Certificate
Previous year car insurance policy
A Previous Year Car Insurance Policy refers to the car insurance coverage you had for the previous policy term, typically valid for one year. It includes details like:
Aadhaar Card
Login
Open the Digit App and go to the "File Motor Claim" option. Login and you'll be directed to the "File Motor Claim" page. Click on the policy card to start claim filing.
Provide Details
Fill in all the details related to the accident and damage to the car.
Enter Personal Details
Update your personal details and that's it, your claim is successfully filed, and you will receive the next steps on your email & WhatsApp.
Get cashless repairs at 9000+ garages across India
Now that you know everything about electric car insurance, go through the list of top electric cars in India to know which is the most suitable for you and switch to environment-friendly vehicles today.
Note: All prices here are the ex-showroom price in Delhi.
Please try one more time!
Have queries related to Digit motor insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
Connect with our self-serve chat bot support - 7026061234
Write to us at hello@godigit.com
Contact
Call us on 1800-258-5956
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