Car Insurance Renewal Online

Car Insurance renewal is essential to maintain continuous coverage against risks such as accidents, theft, natural disasters, and third-party liabilities. A timely renewal ensures you remain legally compliant and financially protected. Read more... It’s also the perfect time to review your existing policy and explore better options or add-ons to enhance your benefits. Read less

Car Insurance Policy Renewal Online

9000+

Cashless Garages

2900 Crore+

Paid-in Claims

1.2 Cr+

Policies Sold

Registration Number This is a {{carWheelerCtrl.localStorageValues.product}} reg no, please enter a private car reg no.

+91 Mobile Number

I agree to the Terms & Conditions

Buy Online for Huge Savings

Check Price

Car insurance Online, Up to 90% Discount

Registration Number This is a {{carWheelerCtrl.localStorageValues.product}} reg no, please enter a private car reg no.

Mobile Number +91

It's a Brand New Car

Mobile Number +91

I Know Registration Number

9000+

Cashless Garages

2900 Crore+

Paid-in Claims

1.2 Cr+

Policies Sold

Should I Do Car Insurance Renewal with the Same Insurer or a New One?

You actually have both the options here, either go with the same insurer if you are satisfied with the experience, claim procedures, transparency, customer support or go for a new one. Which one to choose entirely depends on your experience and insurance needs.

Why Should You Renew Car Insurance Policy on Time?

Renewing your car insurance policy on time is crucial for several reasons:

Compliance with Law: Driving without valid car insurance policy is illegal in India and can result in penalties.
Ensures Continued Coverage: Not doing car insurance renewal on time will result in policy lapse, meaning you won’t be covered financially in case of any mishap.
Prevents Financial Liability: Without an active insurance policy, you would have to cover all the repair expenses out of your pocket.
Hassle-Free Renewal: Renewing on time also ensures a smooth process as you don’t need additional inspections or paperwork.

Why Choose Digit for your Car Insurance Policy Renewal?

We treat our customers like VIPs, know how…

Cashless Repairs

With access to over 9000+ cashless garages across India, you can get your car repaired without worrying about upfront payments. Digit also offers pickup and drop, adding convenience to the repair process.

Smartphone-Enabled Self Inspection

Skip the hassle of physical inspections. Digit allows you to upload photos and videos of the damage directly from your smartphone, making the claim process faster and more convenient.

Super-Fast Claims

Quick and hassle-free claim process that's digital and paperless

24*7 Support

Whether it’s a weekday, weekend, or national holiday, Digit’s support team is available round the clock to assist you with queries, claims, or policy updates.

Customize Your Vehicle IDV

You have the flexibility to set your car’s Insured Declared Value (IDV) based on your preference. This helps you balance your coverage and premium according to your needs.

Complimentary Wellness Benefits

As a Digit customer, you get access to exclusive wellness offers & benefits. Top-rated health and wellness partners provide these benefits, adding extra value to your insurance plan.

Key Features of Digit's Car Insurance Policy

Key Features	Digit Benefit
Premium Discount	Up to 90% Off with PAYD Add-on
Premium	Starting from ₹2094
No Claim Bonus	Up to 50% Discount
Customizable Add-Ons	10+ Add-ons available
Cashless Repairs	Available at 9000+ Garages
Claim Process	Smartphone-enabled Claim process. Can be done online within 7 minutes!
Damages to Third-Party	Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

How to Renew Car Insurance Policy Online?

Confirm the Details

Select the IDV, add-ons and confirm the details, then click on ‘Pay Now.’

Select the Policy Pending

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

Confirm the Details

Next, select the IDV, add-ons and confirm the details, then click on ‘Pay Now.’

After Completion

You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

Things to Consider Before Renewing Car Insurance Policy

There are several factors to keep in mind when going for a car insurance renewal. Paying attention to them will ensure that yearly renewals fetch you an ideal level of cover. Some of these factors have been given below:

1. Policy type

Know the policy types, it is very important to know the options you have to make an appropriate decision. If you had only third-party car insurance, at the time of renewal you can opt for a comprehensive car insurance plan depending on your changing insurance needs.

2. Review your insurer

Research about your insurer, check everything possible to avoid any regrets in the future.

3. Add-Ons

Choosing the right add-ons along with your policy can give you maximum benefits. Some of these are, Zero Depreciation cover, NCB cover, Invoice Protection cover and Engine Protect cover. Learn about car insurance add-ons and choose the right ones.

4. Claim procedure

This is very important; this process should be super-fast and hassle-free. Check the claim history of the insurer from all the sources possible.

5. Compare rates online

Go online to compare the rates, you can also renew your policy online, there are varied options available. The best part of buying/renewing policy online especially with us is there is no paperwork involved, just put your details online and you are sorted.

6. Right IDV

Right IDV plays an important role in choosing or renewing the policy. Higher the IDV, higher is the compensation at the time of unforeseen situations.

7. Make sure your car insurance doesn’t lapse

Always renew your car insurance well in advance to avoid paying hefty penalties. Also, it’s a big risk to take your car out without a valid insurance policy, so to avoid all this make sure to renew your policy before time.

8. No Claim Bonus

If you had a claim-free year, you will get a ncb in car insurance discount from your insurer. This discount amount is deducted from the total premium to be paid by you. Now the cherry on the cake here is, this bonus if you plan to change your insurer gets transferred to the new insurer.

9. Network of Garages

You must check the network of Garages the insurer has to ensure you have a protection in case of any unexpected roadside mishap.

10. Customer support

24/7 customer support is important, check if the insurer provides that.

FAQs about Car Insurance Policy Renewal

All

What happens if I don’t renew car insurance on time?

If you miss the renewal date, your policy may lapse, resulting in fines, higher premiums, and legal issues for driving without an active car insurance policy.

How can I reduce my car insurance renewal premium?

You can reduce your premium by comparing rates from different insurers, increasing your deductible, maintaining a clean driving record, and using No Claim Bonus discount.

Is there a grace period for car insurance renewal?

Yes, there is a grace period of 10 to 30 days, depending on the insurer, to renew your policy without a lapse.

How does No Claim Bonus affect my renewal premium?

A No Claim Bonus (NCB) can significantly reduce your car insurance premium. The more years you go without making a claim, the higher the discount you receive.

Can I add new add-ons during the renewal process?

Yes, you can opt for new add-ons or modify your coverage during car insurance renewal.

Can I renew the policy online?

Yes, Digit allows you to renew your policy online through their website or mobile app.

On what factors does the policy premium depend?

The renewal premium depends on factors such as your driving history, age, vehicle type, location, claims history, and any changes in coverage or add-ons.

Written By

Manasvi Gupta

Reviewed by:

Mayur Kacholiya