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96% Claim
Settlement (FY23-24)
24*7 Claims
Support
Click here for new car
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9000+ Cashless
Network Garages
96% Claim
Settlement (FY23-24)
24*7 Claims
Support
Click here for new car
I agree to the Terms & Conditions
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.
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.
Read More
Read Less
Car insurance add-ons which you can buy with your car insurance policy
Here are some situations which are not covered under electric vehicle insurance policy:
1.2 Crore+
Policies Sold
75 Lacs+
Cars Insured
8 Lacs+
Claims Settled
3000 Crore+
Paid-in Claims
96% Claims Settled
FY'25
9000+
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"
We treat our customers like VIPs, know how…
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!
4.7/5
(250K + Customer Ratings)
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
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.