- Hyundai I10
- Hyundai Santro Xing
- Hyundai Elite I20
- Maruti Suzuki Wagon R
- Maruti Suzuki Swift
- Maruti Suzuki Swift Dzire
- Maruti Suzuki Alto
- Ford Figo
- Volkswagen Polo
- Maruti Swift
- Maruti Swift Dzire
- Maruti Alto
- Maruti Baleno
- Hyundai i10
- Hyundai i20
- Hyundai Eon
- Ford Figo
- Honda Amaze
- Honda City
- Recent years
- New Car
How to use Digit’s Car Insurance Premium Calculator?
Here’s a step by step explanation on how to use Digit's car insurance calculator and get the right insurance for your car!
Enter your Car’s Make, Model, Variant, Registration Date & the city you drive your car in
Press ‘Get Quote’ and choose your choice of Plan
You can choose between a Third Party Liability Only or a Standard Package (Comprehensive Insurance).
Tell us about your last insurance policy- Date of expiry, Claim made in the last year, No Claim Bonus earned
You will now see your car insurance premium on the bottom right of the loaded page.
If you’ve chosen a Standard/Comprehensive Plan, you can set your IDV and customize your plan further by selecting add-ons like Zero Depreciation, Return to Invoice, Engine Protector, etc.
You will now see your final car insurance premium calculated on the right side of the page.
Types of Car Insurance Policies
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
What is Car Insurance Calculator?
Before buying or renewing your car insurance, it is wise to use this car insurance calculator so that you can see how choosing different plans with different addons would affect your car insurance premium. You can always make the following adjustments and see the effect on the premium:
1. Increase or Decrease the IDV (Insured Declared Value) - Although we always suggest a recommended IDV which we feel is suitable for your car’s make, model and age.
2. Select the right addons - The most popular ones are Parts Depreciation or Zero dep addon which makes sure in case of a partial loss i.e. an accident, you don’t pay for the depreciating cost of the damaged parts and Return To Invoice which is especially popular for new cars. Even Breakdown Assistance or Roadside Assistance is highly opted for and is also low in cost.
Making these adjustments and checking the final car insurance premium will help you decide on the Right Car Insurance Plan for you.
Car Insurance Calculator for New Cars
A lot of new car buyers often opt for buying their car insurance premium from their car dealers. Well, if they are getting a good deal, we are super-happy! But we would also suggest for everyone who is excited about their new car, to also check out this Car Insurance Calculator as this would help them buy the Right Policy with the relevant addons. Some addons which are a must for new cars are:
Zero depreciation Addon Cover - Also called a Bumper-bumper or Zero dep cover or Parts Depreciation Cover. This makes sense for cars less than 5 years old. This addon makes sure there is Zero Depreciation and you get the full value of the cost of repair/replacement provided.
Return to Invoice Addon Cover - New cars are always a thief’s dream, right? So, if the car gets stolen or it’s totally damaged or its repair cost estimated is more than 75% of its IDV, the cost of buying a similar new car i.e. you get the Ex-showroom price or last invoice value, minus the IDV (Insured Declared Value) is covered.
Engine and Gear-Box Protection Addon Cover - If your car is towed roughly or during floods you switch on the engine, which causes damage to the engine or gearbox, this addon comes to your rescue, covering the repair charges. Btw, the cost of replacement of an engine is approx. 40% of vehicle cost, which is huge.
Breakdown assistance Cover - When your car breaks down, we will be there to make sure you don’t have a break down! This add-on provides 24*7 roadside assistance for your car up to 500 kms from the city in case of scenarios such as flat battery or tyre, minor repairs, medical co-ordination, accommodation benefits, legal assistance or if you need towing facilities.
Tyre protect Cover - Most people think that tyre damage is covered in a comprehensive car insurance or standard package policy, sadly it is not, unless it happens at the same time an accident occurs. So, to cover common scenarios where an accidental damage happens to only your tyre and not the car, you need this addon. It covers damages like tyre bursts, bulges or cuts, which make the tyre unfit for use.
Benefits of a Car Insurance Calculator
If you’re using the calculator, it means you are looking at the best car insurance plan for the best price, which is super-wise! Here are the main benefits of using the car insurance premium calculator before buying or renewing your car insurance policy:
1. Right IDV (Insured Declared Value)
You can adjust your IDV to the one that is suitable to your car’s make, model and age. Having the Right IDV makes sure that in case of total loss or theft of your car, you get the market value of your car.
2. Right addons
Having a car insurance policy with the right addons is like having a umbrella that covers you fully on a rainy day. But a lot of people do not take any addon covers because of the additional increase in premium. With the car insurance premium calculator, you can add different car insurance addons and check the increase in premium and then choose the right mixture of addons.
3. Right premium
Of course, this is the reason you are using the calculator in the first place Yes, with a calculator, you can compare different car insurance premium quotes, which will help you land on the best priced plan.