Standalone OD Car Insurance Policy

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9000+ Cashless

Network Garages

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96% Claim

Settlement (FY23-24)

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24*7 Claims

Support

Up to 90% Off with PAYD Add-On
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Buy/Renew Standalone Own Damage Insurance with Digit

What is Standalone OD Car Insurance?

How Does Own Damage Car Insurance Work?

Why Customers Trust Digit Car Insurance?

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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"

Digit’s Motor Insurance Claim Settlement Ratio is 96% for FY’25

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!

What Our Customers Have to Say about Us

4.7/5

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(250K + Customer Ratings)

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quote 6 Dec 2024
a great pleasure to be affiliated with you , Had met an accident and got the damaged parts replaced within a day after raising the claim . Thank You
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Shaaz Suhail Salafi

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quote 13 Dec 2024
Very good service. Within two minutes I have renewed my car insurance online.
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Ajay Bharade

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quote 13 Dec 2024
Dear For todays world If any One wants to open a fresh Vehicle Insurance Policy which has all the transparency users frndly Plus the staff is very cooperative hats off. Wishing God bless for all yr future Endeavor 's. Sr Citizen-Policy-Investor
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DinShaw Sahukar

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quote 20 Dec 2024
Quick reaction on Road side assistance and continuous follow up till resolution. Happy with assistance in late night hours.
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Abhishek Sharma

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quote 13 Aug 2024
I had issue with the motor insurance policy and wanted to upgrade it. The customer care executive had enough patients to explain me everything point to point. Thanks a lot Sudip.
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Pratheesh R

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Why Should You Get Standalone OD Car Insurance?

What’s Covered in OD Car Insurance by Digit?

Damages to your car in an accident

Damages to your car in an accident

Covers for the damages caused to your car in case of an accident or collision.

Theft of your car

Theft of your car

Will compensate for you in case your car is unfortunately stolen.

Losses caused to your car in a fire

Losses caused to your car in a fire

In case there’s a fire and your car is damaged due to the same. Your own damage cover will cover for it.

Damages to your car due to a natural calamity

Damages to your car due to a natural calamity

No one can stop nature’s many furies but in case your car is damaged due to it, we will be your one-stop for damage control.

What’s Not Covered?

While Own Damage insurance for cars is great for your car’s protection, here are a few exceptions.

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Third-Party Liabilities

This is a standalone Own Damage Cover policy. Therefore, your third-party liabilities won’t be included in this. Your third-party car insurance or comprehensive car insurance will instead take care of the same.

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Driving Drunk

This goes against the law, therefore claims won’t be covered if you were driving under the influence of alcohol. 

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Driving without a Licence

As a standard rule, no car insurance can accept claims if the said person is driving illegally. Therefore, claims can only be made if you were rightly driving with a valid driver’s licence.

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Add-Ons Not Bought

This is pretty obvious, isn’t it? If you haven't bought specific add-ons, you won’t be able to benefit from them. For example, without opting for a tyre protect cover- your tyre will only be protected during accidents and not beyond that. 

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Consequential Damages

Consequential damages refer to damages that take place after an accident. Unfortunately, those won’t be covered unless the damage has happened during the accident itself.

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Contributory Negligence

In simple terms, this means your car won’t be covered if you’ve done something you weren’t supposed to do. For example; if your city was already flooded and you still took your car out. 

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Driving without a Licence Holder

As per the law, if you only have a learner’s licence, you need to have someone with a permanent driver’s licence beside you. If that’s not the case, your car won’t be covered.

Add-ons Available with Own Damage Car Insurance

Add-ons which you can buy with your car OD insurance policy at Digit are:

Zero Depreciation Cover icon

Zero Depreciation Cover

Ideal for cars less than 5 years old, zero depreciation cover allows you to nullify the depreciation charged on your car and its parts and gives you the full value of repairs, costs and replacements during a claim.

Return to Invoice Cover icon

Return to Invoice Cover

In case of theft or damages beyond repair, return to invoice add-on gives you the benefit of getting back the complete amount of your car's invoice value, including the cost of registering a new vehicle and its road tax respectively.

Tyre Protect Cover icon

Tyre Protect Cover

Generally, tyre damage isn't covered in standard insurance unless the damage takes place during an accident. That's why this tyre protect add-on gives you the benefit of safeguarding and covering tyre damage such as tyre bursts, bulges or cuts during all other situations possible.

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Breakdown Assistance

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. The best part? It doesn't even count as a claim!

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Consumable Cover

consumable cover gives your car an additional layer of protection. It covers the cost for all your car's nitty-gritties, such as the engine oils, screws, nuts and bolts, grease, etc. in a situation of an accident.

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Engine and Gear-box Protection Cover

Do you know that the cost of replacing your engine is approximately 40% of its cost? In a standard car insurance policy, only damage caused during an accident is covered. However, with Engine and Gear-box Protection add-on, you can specifically also cover for the life of your car (the engine and gearbox!) for any consequential damage caused post the accident. This could happen due to water regression, leakage of lubricating oil, and undercarriage damage.

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Key and Lock Protect Cover

The price of replacing or fixing the lockset of the vehicle is quite high. If you avail Key and Lock Protect add-on cover, you can get compensated by the insurer for the cost incurred.

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Daily Conveyance Benefit

The benefit of having this Daily Conveyance Benefit add-on cover is that you can get a fixed amount for your daily commute, if the vehicle is in the garage for a long duration of time.

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Loss of Personal Belongings

In case, if you or your immediate family lose some personal belongings while travelling in the insured vehicle, Loss of Personal Belongings add-on cover can be beneficial. It ensures that you are compensated for the loss of valuables.

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Pay As You Drive (PAYD) Cover

If you opt for this add-on cover, you declare and agree that you will run the vehicle for a maximum number of kilometres as per the plan opted for. The Pay As You Drive Cover ensures that you are eligible for a discount on the premium of Own Damage cover of the base policy.  

EV Shield Add-on Cover icon

EV Shield Add-on cover

The EV Shield add-on cover is available for EV or Hybrid Vehicles (petrol/diesel + electric)  and compensates you in case of loss or consequential damage to your vehicle. This includes 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.

Why Should You Buy Own Damage Car Insurance by Digit?

We treat our customers like VIPs, know how…

Cashless Repairs

6000+ Cashless Network Garages for you to choose from across India

Smartphone-enabled Self Inspection

Just click the damages on your phone and you are done

Super-Fast claims

We've settled 96% of all claims for private cars!

24*7 Support

24*7 call facility even on National Holidays

Customize your Vehicle IDV

Customize your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

Types of Car Insurance in India

Here’s the difference between third-party, comprehensive, and own damage car insurance policy in India:

Third-Party Car Insurance Own Damage Car Insurance Comprehensive Car Insurance
It is the most basic type of car insurance policy, that covers only third-party liabilities; such as damage to a third-party property, person or vehicle.  It is a standalone car insurance policy that only covers damage and losses to one’s own car.  Comprehensive car insurance is a complete package policy that covers both third-party liabilities and own damages, both under one policy. 
It is mandatory by law to at least have third-party car insurance.  It is not mandatory to have an own damage car insurance.  It is not mandatory to buy a comprehensive car insurance policy. 
Every car owner in India is eligible to buy third-party insurance.  Any car that already has valid third-party car insurance can buy standalone OD car insurance to protect their own car as well. Without valid third-party car insurance, you can’t buy an OD policy.  Any car owner who doesn’t already have a Third-Party Car Insurance can buy a Comprehensive Car Insurance Policy. 
No Add-Ons Available  Add-Ons Available  Add-Ons Available 

Third-party vs Comprehensive vs Own Damage Car Insurance

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Comprehensive

Own Damage

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How to Buy/Renew 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.

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Login

Login to Digit App or website and go to the ‘My Policy’ section.

Select Policy

Select the policy pending for renewal and click on ‘Renew Policy.’

Choose a Plan

Next, select the add-ons and tenure and confirm the 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.

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:

Car Registration Certificate

Previous year car insurance policy

Aadhaar Card

How to File Claim & Track Real-time Status through Digit App?

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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.

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Login

Open the Digit App and go to the ‘Check Motor Claim Status’ option. Here you can see the complete list of claims filed on your phone number.

Select Claim

Select the claim you want to check the status of. You can see the details of the claim, the current status, timeline, detailed summary, and repairer details too.

How to Download Your Car Insurance Policy on Digit App?

To download your renewed or already active car insurance policy with Digit, follow the given steps:

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Login to Your Acount

Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.

Visit ‘Active Policies’

Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.

Download the Policy

Done! You can save, share, print or email the policy for future reference anytime, anywhere.

Cashless Garages by Digit

Digit's Cashless Garages

Get cashless repairs at 9000+ garages across India 

How is AI making Digit’s Motor Insurance Claim Process Faster & Smarter

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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.

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67% Car Repair Work Approvals Done within 12 Hours

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

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

₹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

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. 

LOB Total Claims Paid (in number) Total Claims Amounts Settled Total Complaints that went to Ombudsman Total Complaints where final decision was given Total Complaints Settled via Mediation Total Decisions in favour of Customer
Health (including PA, travel) 2,18,082 ₹1,374.64 Crore 110 86 21 18
Motor(OD + TP, Including theft, PA) 6,51,954 ₹2,199.58 Crore 124 104 28 26
Other LOBs (miscellaneous) 45,642 ₹1,047.34 Crore 22 17 3 3
Grand Total 9,15,678 ₹4,621.56 Crore 256 207 52 47

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

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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.
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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.
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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 style
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Over 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.

Who Should Get Standalone OD Car Insurance?

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

How is the OD Car Insurance Premium Calculated?

Factors Affecting Own Damage Car Insurance Premium

In an Own Damage cover, your car premium is calculated depending on various factors, which are discussed below:

IDV

One of the main factors that determines the OD premium in your car insurance is the Insured Declared Value of your car, which is the current market value of your car. The higher the IDV, the higher the premium.

No Claim Bonus

If you’ve had an Own Damage cover earlier and have made no claims in the previous policy terms, you will be rewarded with a discount under NCB in car insurance that will reduce your OD premium.

Make, Model and cc of Car

The type of your car too matters in calculating your OD premium. The more high-end your car is, the higher would be its OD premium too. Similarly, your car’s cc or your engine’s cubic capacity also directly affects your car insurance own damage premium. 

 

Age of the Car

Cars tend to lose their value over time. Therefore, the age of your car is crucial in determining your OD premium. The older your car, the lower your OD premium.

Location of the Car

The RTO location of your car or the city where you drive it also influences the Standalone Own Damage premium. Driving in a metropolitan city with higher traffic and accident rate will fetch you a higher premium.

Add-ons Opted

Every add-on cover comes with a price. Therefore, the number and type of add-ons you opt for will directly affect your OD premium as well.

Tips on Reducing Your OD Car Insurance Premium

FAQs about Own Damage Car Insurance