Commercial & School Bus Insurance
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2000+ Cashless

Network Garages

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96% Claim

Settlement (FY23-24)

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24*7 Claims

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Commercial Bus/School Bus Insurance Price & Policy Renewal Online in India

What is Bus Insurance?

Why Should I Buy Bus Insurance Policy?

Is it Important to Get School Bus Insurance?

Is it Important to Get Commercial Bus Insurance?

Why Choose Bus Insurance by Digit?

We treat our customers like VIPs, know how…

Customize your Vehicle IDV

Customize your Vehicle IDV

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

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Super-Fast claims

Smartphone enabled self-inspection processes takes minutes!

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 17 nov 2024
Quick reaction on Road side assistance and continuous follow up till resolution. Happy with assistance in late night hours.
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Abishek Sharma

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quote 18 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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quote 18 Sep 2024
I spoke with Sandipa regarding my motor insurance claim through Go Digit General Insurance Ltd. using their Easy Motor Claim Registration process. She was very helpful, informative, and provided excellent support.
user

Venkat Raman

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quote 20 Dec 2024
Digit insurance was helpful in registering my motor claim. Smooth process and knowledgeable staff
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Anvesh Allamsetti

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quote 12 May 2024
Was promised road side assistance real quick. Help arrived on time. Thanks Umang
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Subasish Mohapatra

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Key Features of Bus Insurance by Digit

Key Features Digit Benefit
Claim Process Paperless Claims
Customer Support 24x7 Support 
Additional Coverage PA Cover, Legal Liability Cover, Special Exclusions and Compulsory Deductibles, etc
Damages to Third-Party Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

What's Covered in Bus Insurance?

Accidents

Accidents

Damages and losses caused to your bus due to an accident.

Theft

Theft

Any damages and losses caused to your bus in the case of a theft.

Fire

Fire

Any damages or losses caused to your bus in an unfortunate case of fire.

Natural Disasters

Natural Disasters

Any damages and losses caused to your bus due to floods, earthquakes and other natural calamities.

Personal Accident

Personal Accident

Covers for any personal injuries or death of the owner-driver of the bus.

Third Party Losses

Third Party Losses

Covers for losses and damages caused to a third-party vehicle, property or person due to your bus, in the case of an accident or collision.

Towing Disabled Vehicles

Towing Disabled Vehicles

Covers for any damages caused to the bus in cases where it's being towed.

What’s Not Covered?

It is equally important to know what’s not covered in your commercial bus insurance policy so that there are no surprises when you make a claim. Here are some such situations:

Own Damages for Third-Party Policy Holder

If you’re only going for a Third-Party Commercial Insurance for your bus, then own damages and losses won’t be covered. 

Drunk Driving, or Driving Without a Valid License

If during a claim, the driver-owner is found to be driving the bus without a valid driver’s license or under the influence of alcohol then the bus won’t be covered.

Contributory Negligence

Any damages or losses caused to the bus due to contributory negligence won’t be covered for. For example, if there are existing floods in the city, and one still drives the bus despite that.

Consequential Damages

Consequential damages is any damages or losses that aren’t a direct result of an accident, natural calamity or fire can’t be covered for.

Types of Bus Insurance Plans and Coverages

Compare Coverage of Third Party vs Comprehensive Bus Insurance

Liability Only

Standard Package

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How to Buy/Renew Bus Insurance Online?

Step 1

On the Digit app or website, enter the commercial vehicle’s registration number, mobile number, and click on ‘View Prices.’

Step 2

Select the plan, add-ons and IDV, and click on ‘Continue.’

Step 3

Enter your personal, nominee and vehicle details and click on ‘Pay Now.’

Step 4

Complete the payment and mandatory KYC verification process.

Step 5

You’re done! 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/Renew Bus Insurance Online

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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69% Motor Repair Work Approvals Done within 12 Hours

69% Motor Repair Work Approvals Done within 12 Hours

In H2 FY25, our average vehicle repair approval time was 15 hours and 36 minutes, with 69% of approvals completed within 12 hours. Only 7.47% of 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 vehicle 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

Dogs Cause ₹1.5 Lakh in Auto Rickshaw Damages in Panvel

In Panvel, owning an auto rickshaw comes with its own set of challenges, but it’s not potholes or traffic that cause the most trouble. It’s dogs. Yes, you read that right. This year, encounters with canines have resulted in repair claims surpassing ₹1.5 lakh, illustrating that sometimes the most significant dangers on the road come with four legs and a wagging tail.
jcb flipped

₹4 lakh claim after Cow topples JCB in Raigad

In Raigad, a JCB operator had a day they’ll never forget. A cow darted across the road, and in the blink of an eye, the machine flipped—yes, flipped. The result? A claim of over ₹4 lakh. It’s not every day you see a JCB somersault, but when the unexpected happens, the right insurance doesn’t hesitate. We step in, cover the damage, and keep the work going.

How to File a Claim on Digit App?

To know how to file for Standalone Own Damage insurance, follow these steps:

Step 1

Download the Digit app and go to ‘File Motor Claim’ option.

Step 2

Provide all the required details related to accident and damage.

Step 3

Enter your personal details and click on ‘Register Claim’ button.

Step 4

That's it! Your claim has been registered successfully, and you will receive the next steps on your email and WhatsApp.

How to Renew Bus Insurance Policy with Digit?

To do bus insurance renewal online with Digit, follow the given steps:

Step 1

Go to Digit App or website and click on the ‘My Policy’ tab.

Step 2

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

Step 3

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

Step 4

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

How to Download Your Bus Insurance Policy on Digit App?

Tips to Choose the Right Bus Insurance Policy

Factors Affecting Bus Insurance Premium

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

FAQs about Passenger/School Bus Insurance