Car Insurance Online

Car Insurance, also known as auto or motor insurance, is a type of vehicle insurance policy that protects you and your car from any risks and damages caused from accidents, thefts or natural disasters. So, you will be financially secure in case of any losses that may be incurred because of any such unforeseen circumstances. In addition to that, you will also be protected from third-party liabilities.
Whether you want to just legally comply with the law with the most basic, third party car insurance, or give your car ultimate protection with a comprehensive car insurance or own damage policy, Digit offers you a third-party, comprehensive and own damage car insurance at affordable premiums online.
The best part? You can customize your IDV yourself, along with 10 beneficial add-ons to suit your car. So, whether you want to buy/renew a car insurance by Digit or make a claim- everything can be done online with our quick and simple smartphone-enabled processes.
Car insurance add-ons which you can buy with your car insurance policy
It is equally important to know what’s not covered in your car insurance policy, so that there are no surprises when you make a claim. Here are some such situations:
We treat our customers like VIPs, know how…
Key Features |
Digit Benefit |
Premium |
Starting from ₹2094 |
No Claim Bonus |
Up to 50% Discount |
Customizable Add-Ons |
10 Add-ons available |
Cashless Repairs |
Available at 6000+ Garages with Doorstep Pickup & Drop |
Claim Process |
Smartphone-enabled Claim process. Can be done online within 7 minutes! |
Own Damage Cover |
Available |
Damages to Third-Party |
Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages |
Damages/Losses to own car due to an accident Covers for damages to your own car in case of an accident or collision. |
×
|
✔
|
Damages/Losses to own car in case of fire Covers for damages and losses to your own car caused due to a fire. |
×
|
✔
|
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. |
×
|
✔
|
Damages to Third-Party Vehicle Covers for damages caused by your car to any third-party vehicle, to up to 7.5 lakhs. |
✔
|
✔
|
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 |
✔
|
✔
|
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) |
✔
|
✔
|
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. |
✔
|
✔
|
Theft of your car Covers for losses if your car is unfortunately stolen. |
×
|
✔
|
Customize your IDV Customize the IDV of your car as per your choice and consequently adjust your car insurance premium accordingly. |
×
|
✔
|
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. |
×
|
✔
|
Know more about the difference between comprehensive and third party insurance
A Third-Party Car Insurance Premium Calculator depends on your car’s engine cc and even the respective premium rates are predetermined by the IRDAI, which are as follows:
Private Cars with Engine Capacity |
The premium for 2019-20 in INR |
New 4W TP rate (effective 1st June 2022) |
Not Exceeding 1000 cc |
₹2072 |
₹2094 |
Exceeding 1000 cc but not exceeding 1500 cc |
₹3221 |
₹3416 |
Exceeding 1500 cc |
₹7890 |
₹7897 |
After you buy or renew our car insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Just call on 1800-258-5956. No forms to be filled
Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.
Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.
When we say we’re making insurance simple, we truly mean it! When it comes to car insurance, we understand that you’ve already spent a lot of money on just getting that car in the first place, so we try and make car insurance claims as simple and cost effective as possible for you.
Get cashless repairs at 6000+ garages across India
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
Case 1: If you bought a new luxury car - Buying a luxury car is a one-time deal for most owners, thus, you must protect it with comprehensive car insurance to cover both third-party liability and own damage. Appropriate add-ons for luxurious cars are necessary too.
You can get a Zero Depreciation Cover to claim the full value of repairing/replacing its expensive parts. A Return to Invoice Cover will be useful for luxury cars as it ensures that you receive the original invoice value of your car in case of theft or total loss.
An Engine Protection Cover is a must for luxury car since it is an expensive component of the car, and this cover will protect you against all engine and gearbox repairs. Also, it's better to get a consumables cover to cover the replacements cost of lubricants, oils, nuts, bolts, screws, washers, grease, etc.
Case 2: If you own a 7-year-old car that you drive daily - Most car owners tend to ignore the importance of car insurance if you have a 7-year-old car; however, having at least third-party insurance is mandatory from the legal perspective. Since your car is already 7 years old, it is advisable to have own-damage cover to get coverage for repairs or replacement of your car in case of accidents, theft, fire, natural calamities, etc.
Also, getting a comprehensive cover with add-ons like a Roadside Assistance add-on will safeguard you on long road trips if your car breaks down, has a flat tyre or requires towing.
Case 3: If you’ve preserved your grandfather’s car that rarely hit the roads - People keep some things solely for the emotional value attached to them like that car in your family for generations, which is rarely driven but still requires to be insured via at least a third-party coverage policy as per legal requirements. Since you do not drive that car around, you can skip purchasing other add-ons.
Here’s what you should look for to pick the right car insurance for your car:
IDV is the maximum amount your insurance provider can give you, in case your car is stolen or totally damaged.
The Insured Declared Value and your car insurance premium go hand in hand. This means, the higher your IDV is, the higher your car insurance premium – and as your vehicle ages and IDV depreciates, your premium also decreases.
Also, when you decide to sell your car, a higher IDV means you’ll get a higher price for it. Price may also be affected by other factors like usage, past car insurance claims experience etc.
So, when you’re choosing the right car insurance policy for your car, remember to make note of the IDV being offered, and not just the premium.
A company offering a low premium may be tempting, but this could be because the IDV on offer is low. In case of a total loss of your car, a higher IDV leads to higher compensation.
At the time of resale, your IDV is indicative of the market value for your car. However, if you have maintained your car really well and is shining as good as new, you can always aim at a price more than what your IDV might offer you.
At the end of the day, it all boils down to how much love you have showered on your car.
Know more about Insured Declared Value in Car Insurance.
NCB (No Claim Bonus) definition: NCB is a discount on premium given to the policyholder for having a claim free policy term.
A no claims bonus ranges from a discount of 20-50% and is something you earn at the end of your policy period by maintaining a record of making no car accident claims under your car insurance policy.
This means that you can’t get a no claims bonus when you buy your first comprehensive car insurance policy – you can only get it on your policy renewal. Your no claims bonus increases after every claim-free year on your policy renewal.
For example, you can earn a 20% NCB after the first year of having no claim under your car insurance policy. This percentage will increase with every claim-free year, reaching 50% after 5 years – and resetting to zero when you make a claim.
After reaching 50% in the 5th year, your NCB stops rising and remains the same. This is called the No Claim Bonus Sunset Clause.
A No Claim Bonus is meant for the car insurance policyholder regardless of the car. This means, even if you switch your car, your NCB stays with you.
If you decide to buy a new car, you will be issued a new car insurance policy, but you can still avail of the NCB you accumulated on the old car or policy.
Know more about NCB in Car Insurance.
A Bumper-bumper or Zero dep cover or Parts Depreciation Cover, makes sense for cars less than 5 years old. Like everything in life, there is a decrease in value of certain parts of your car, including the bumper or any other metal or fibre glass parts.
So, when a damage happens, the full cost of replacement is not given as depreciation is deducted from the claim money. But this add-on makes sure there is Zero Depreciation and you get the full value of the cost of repair/replacement provided.
In short, if your car is partially damaged, you don’t have to bear the amount being calculated for depreciation and your insurer will take care of everything.
Know more about:
If you opt to get your car repaired with a Digit Authorized Repair Center, we will make the payment for the approved claim amount, directly to the Repair Center. This is a Cashless Claim.
Please note, if there are any deductibles, like a Compulsory Excess/ Deductible, any repair charges for which your insurance doesn’t cover you or any depreciation costs, that is to be paid by the insured’s own pocket.
Know more about Cashless Car Insurance.
To help you understand and customize your car insurance premium better, we’ve given you the option calculate your car insurance premium yourself using this car insurance calculator.
What decides your car insurance premium? You can notice this in your car insurance premium calculator too. The factors affecting your premium include:
Type of Car Insurance Policy - The coverage and benefits provided by your car insurance policy influence your car insurance premium. So, if you choose a comprehensive policy over a third-party policy, your premium would be higher as it offers much greater coverage than the latter.
Your Car’s IDV - The Insured Declared Value (IDV) is your car’s current market value after deducting the depreciation charges. If your IDV increases, so will the insurance premium.
Add-Ons Opted - A customised insurance policy with different add-on covers to fulfil your crucial insurance requirements and protect your car in all situations will fetch you a higher premium.
Deductibles - Deductibles in car insurance mean the predetermined amount that the policyholder needs to pay from their pocket before the insurer pays the rest of the claim amount. So, you can opt for a higher voluntary deductible for a lower premium because the insurer will have to pay less during claim settlement.
No Claim Bonus - If you do not raise any claim in a policy year, the insurer will reward you with a discount on your next policy renewal premium in the form of a No Claim Bonus.
Make & Model of your Car - The car insurance premium is subject to change depending on the manufacturer and model of your car. Insuring a luxurious sedan will attract a higher premium than a standard hatchback. Further, the cubic capacity of the car’s engine and its fuel efficiency also directly impact the car insurance premium.
Age of your Car - Since the value of your car reduces with each passing year due to normal wear and tear of its parts, the IDV also falls, and hence the policy premium also decreases. It implies that insurance premiums are higher for a brand-new car and less for an old car.
Know more about How to Calculate the Car Insurance Premium
Make sure your car insurance company is giving you the right information on the below.
Learn more about the Right Way to Compare Car Insurance Quotes.
It’s a great thing to compare your car insurance quotes before buying. But make sure you’re comparing them on the below parameters. What do people usually look for while renewing their car insurance?
But what should you actually look for while renewing your car insurance?
It doesn’t matter whether your old car insurance policy was with us or not, choosing Digit for Car Insurance renewal is easy and hassle-free and can be done within minutes online.
Looking to renew your car insurance policy with us for the first time? Here are some benefits to look forward to:
Unfortunately, when it comes to supposedly mundane things like a car insurance, people tend to ignore or forget about it unless there’s a repercussion of not having one.
However, more often than not- these guidelines are made for the overall safety of people like you and me.
Let’s take for example; what if a Third-Party Car Insurance wasn’t mandatory by law. In this case, most people wouldn’t even have one and in case of an accident, both affected parties would drown in baseless arguments and of course, tons of expenses!
Therefore, while the primary objective of a car insurance is to protect an affected party during a mishap or accident, there is more than one reason why a car insurance has been made mandatory in India.
Know more about Why Car Insurance is Mandatory in India?
When’s the last time you made the effort to pay your electricity bill at your registered center or, when was the last time you went to your kirana shop to get your mobile recharge done? It’s been a while hasn’t it?
Thanks to the power of the internet, most of us now use the internet to get most things done. Pay bills, recharge and now, even order groceries! Naturally, technology has also progressed in a way that we need not visit insurance agents or get in touch with our dealers to get our car insurance anymore.
Now, you can simply buy your car insurance online 😊 All you need is your basic car details and your debit/credit card to process your premium and that’s it, your car insurance policy will be emailed to you within minutes.
Whether you’ve just purchased a brand-new or second-hand car, a car insurance policy can be bought for any of them.
However, while purchasing your second-hand car check if the owner already has a valid car insurance and get the same transferred to your name, well within 14 days of purchase. Additionally, while insuring your second-hand car, you need to make sure:
Know more about Second hand Car Insurance
Whether you’ve just bought an old, second-hand car or have realized you don’t have a car insurance for your current car yet; you can instantly insure the same on our website.
However, here are three important things to keep in mind before buying a car insurance online for your old car:
Know more about Old Car Insurance Online.
Why is it Important to Renew your Expired Car Insurance Policy on time?
Know more about Expired Car Insurance Online.
Of course, you may have more questions related to renewing or buying car insurance only, so scroll down and find your question answered!