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Buy/Renew Comprehensive Car Insurance Policy Online & Get Up to 90% Off
If you want to hit the road with peace of mind, get Comprehensive Car Insurance online by Digit today!
This guide will take you through everything you need to know about comprehensive insurance meaning and buying or renewing comprehensive car insurance in India for 2025.
What is Comprehensive Car Insurance?
Comprehensive car insurance is an all-inclusive car insurance that covers both third-party car insurance and own damage.
It is a full coverage insurance for cars that offers the most extensive protection for your vehicle. Unlike third-party insurance, comprehensive insurance safeguards you against unforeseen losses such as an accident, natural calamity, fire or theft.
Comprehensive car insurance covers repairs or replacement costs for your car and protects you from financial liability for injuries or property damage caused to others involved in an accident.
Additionally, with Digit’s Comprehensive Car Insurance, you can customize your policy further with a range of add-on covers.
Why Should You Get Comprehensive Car Insurance?
Saves Money
You don’t realize how much even small repairs can cost until something suddenly happens to your car! Protecting your car with a comprehensive car insurance ensures dents on your car don’t lead to dents in your pocket!
Complete Coverage for your Car
A comprehensive car insurance gives you the maximum amount of coverage your car can get. Especially, with customizable add-ons available, you can protect your car from all possible situations.
Covers you Legally
People are often under the wrong impression that they need a third-party car insurance to drive legally. However, a comprehensive car insurance already includes and covers for third-party damages and hence ensures you can drive legally too 😊
What is Covered in Comprehensive Car Insurance?
What’s Not Covered in Comprehensive Car Insurance?
It’s true that a comprehensive car insurance gives your car 360-degree protection but here are some exceptions.
Add-on Options available with Comprehensive Car Insurance
Get better coverage for your car with these add-on covers available with Comprehensive Car Insurance policy.
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
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
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 to safeguard and cover for tyre damages such as tyre bursts, bulges or cuts during all other situations possible.
Breakdown Assistance
We all need a little help sometimes! Our Breakdown Assistance Add-On gives you the benefit of taking 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!
Consumable Cover
A 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.
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 damages caused during the accident are covered. However, with the engine and gear-box protection cover, you can specifically cover for the life of your car (the engine and gearbox!) from any consequential damages caused post the accident.
Daily Conveyance Benefit
The Daily Conveyance Benefit add-on offered by insurers ensures that policyholder gets compensated for daily transport in the form of a fixed daily allowance or a standby vehicle for the time when the insured vehicle is in the garage for repairing.
Key and Lock Protect
The cost incurred by the policyholder for 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.
Loss to Personal Belongings
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 vehicle, it shall be compensated by the insurer.
Pay as You Drive Cover
Pay as you drive cover makes the policyholder eligible to avail discount on the premium of Own Damage cover of the base policy based on the opted plan. The option to top up kilometers is also offered under the base policy by paying additional premium.
EV Shield Add-On Cover
This EV Shield add-on cover for electric cars in India will protect you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and offer roadside assistance services specific to EVs.
Why Choose Comprehensive Car Insurance by Digit?
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
Digit has settled 96% of motor claims, with most processed in just a few hours. The digital-first approach ensures minimal paperwork and quick turnaround, so you can get back on the road sooner.
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 Comprehensive Car Insurance Policy
Difference between Third-Party, Own Damage & Comprehensive Car Insurance
Third-Party
Comprehensive
Own Damage
|
Damages/Losses to own car due to an accident |
×
|
✔
|
✔
|
|
Damages/Losses to own car in case of fire |
×
|
✔
|
✔
|
|
Damages/Losses to own car in case of a natural calamity |
×
|
✔
|
✔
|
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
|
Personal Accident Cover |
✔
|
✔
|
×
|
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
|
Theft of your car |
×
|
✔
|
✔
|
|
Customize your IDV |
×
|
✔
|
✔
|
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party insurance
How to Buy/Renew Comprehensive Car Insurance with Digit?
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.
Is it a Good Idea to Buy Comprehensive Car Insurance for Old Cars?
Comprehensive car insurance protects all kinds of cars- whether luxurious, old, or new. However, most people get a third-party car insurance policy for their old cars when they should get a comprehensive car insurance policy. This is because it is more beneficial and offers enhanced coverage for an old car if you still use it regularly.
Also, before deciding on buying comprehensive insurance coverage for your old car, consider its age as well as how long you plan to continue using it.
For example, if you have a car older than 10 years, but you use it regularly for commuting to work and plan to use it for the next four years.
So, getting comprehensive car insurance would be a wise decision as older cars have lower market value so you can get insured for a lower premium and get enhanced protection.
Who should buy a Comprehensive Insurance for Car?
Why Should You Upgrade to Comprehensive Car Insurance?
To ensure your car is protected you need to Compare Car Insurance policies to know which suits you the best.
People often make the mistake of only getting third-party car insurance because it’s cheaper. However, what they don’t realize is that even in the case of a small accident and damage to one’s own car, they’ll have to shell out money from their own pocket.
Instead, just spend a little more on a comprehensive car insurance policy and be relieved from any unexpected expenses!
How to Calculate Comprehensive Car Insurance Premium?
You can use our Car Insurance Premium Calculator toe asily calculate the estimate premium of comprehensive car bike insurance.
It considers various factors such as the car's IDV, NCB, add-on covers you bought, RTO location of your four-wheeler, and any modifications made to your car for aesthetic purposes or to enhance performance.
However, the formula to calculate the premium payable for a car insurance policy is:
Premium payable = Third-party car insurance premium (fixed by IRDAI) + (Own Damage - NCB and other discounts (if applicable)) + add-ons
Factors Affecting Comprehensive Car Insurance Premium
The premium of comprehensive car insurance policy depends on various factors, such as:
Insured Declared Value (IDV): Your car’s IDV is its approximate market value. So, the higher the IDV, the higher the premium of your car insurance policy.
No Claim Bonus (NCB): Let's understand what is ncb in car insurance. It is the discount you receive on your insurance premium if you haven’t raised any claim in the previous policy year. So, depending on your claims record, your next year’s premium will be lower.
Model/Make of Car: The make and model of your car significantly affects your car insurance premium as the more expensive car model, the higher will be the premium. Similarly, if your car is fitted with expensive parts or powerful engines, they will have higher repair costs, and hence higher premium.
Car’s Age: Older cars fetch less base premium as the depreciation on their parts increases, making them lose their value over time.
Add-ons: Getting car insurance add-ons from the 11 add-on covers available with comprehensive insurance for car at Digit increases your base premium amount, as they offer enhanced protection in different scenarios.
RTO Location: Your car’s RTO location or where your vehicle is registered also impacts the insurance premium. If it's a high-traffic metro city or accident-prone area, you are liable to pay a higher premium due to the increased risk.
Modifications to Car: If you’ve made any modifications to your car to enhance its performance or aesthetic, you will have to pay a higher insurance premium amount to cover the costs of these parts.
FAQs about Comprehensive Car Insurance Policy
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.