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Digit Motor Claim Filing Process
Filing a motor insurance claim with Digit is designed to be quick, paperless, and stress-free. Every step, from reporting your claim to receiving your repaired vehicle, can be managed through your smartphone anytime, anywhere.
How to File a Claim with Digit?
Follow the steps given below to file your motor claims instantly.
Step 1
Select Your Policy
Open the Digit app and select the motor insurance policy for which you want to raise a claim.
Step 2
Enter Incident Details
Provide the date, time, location, & a brief description of the incident, you can also upload photos/supporting documents to speed up the process.
Step 3
Upload Required Documents
Attach all necessary documents based on your claim type, such as the RC, DL, FIR if applicable, and any other supporting documents requested.
Step 4
Submit Your Claim
Review all the details and submit your claim.
Why Filing a Claim with Digit is Simpler?
- 100% paperless process managed through your smartphone
- Self-survey option for quick damage assessment
- AI-enabled damage detection for faster pre-inspections
- 10,000+ cashless garages across India
- Doorstep pickup and drop-off for repairs
- 96.3% claim settlement rate in motor, 98.7% in personal accident
- Real-time claim tracking through the Digit app
How to File for Repair & Claim Settlement?
- Step 1: Damage Assessment
Upload photos and videos of your vehicle’s damage using the link provided. Digit also uses AI-enabled Vehicle Damage Detection for four-wheelers to quickly identify damage. - Step 2: Choose Your Garage
Select an authorised dealer or choose from Digit’s network of 10,000+ cashless garages. Choosing a Digit garage gives you exclusive benefits, including discounts, a free car wash, and faster approvals. - Step 3: Vehicle Repair Order (VRO)
Once the garage is confirmed, Digit issues a Vehicle Repair Order, which is the official go-ahead for repairs. - Step 4: Repair Process and Timelines
The garage prepares a repair plan, Digit approves it, and work begins. Timelines depend on damage severity and parts availability. You will receive updates at every stage. - Step 5: Video Confirmation and Delivery
Before delivery, Digit shares a video of the repaired vehicle for your approval. Once confirmed, your vehicle is delivered back to you and the claim is officially closed.
67% Car Repair Work Approvals Done within 12 Hours
In H2 FY 2024-25, our average car repair approval time was 14 hours and 46 minutes, with 67% of approvals completed within 12 hours. Only a few 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 car is back on the road as swiftly as possible!
How to Avoid Car Insurance Claim Rejections?
You can easily avoid car insurance claim rejections by just paying a little more attention to the following factors.
Understand Your Policy: Many claims are rejected simply because the policyholder is unaware of what their insurance covers. Always read your policy document to understand the inclusions, exclusions, and conditions.
Be Honest and Accurate: Providing false information or hiding facts like previous claims, accident details, or car modifications can lead to claim denial. Always be transparent with your insurer from the start.
Keep Documents Updated: Ensure your driving licence, Registration Certificate (RC), and Pollution Under Control Certificate (PUCC) are valid and up to date. Missing or expired documents can delay or even reject your claim.
Follow Traffic Rules: Claims can be rejected if the accident occurred due to violations like drunk driving, underage riding, or reckless behaviour. Safe and lawful riding helps protect your eligibility for a claim.
Inform Before Repairs: In the event of an accident or any other issues, always notify your insurer before seeking any repairs. Unauthorised repairs without insurer approval can result in claim rejection.
Transfer Insurance for Used Cars: If you buy a second-hand car, transfer the insurance policy to your name immediately. Claims may be denied if the policyholder’s details don’t match the registered owner.
Digit Settled 9.16 Lakh Claims in FY 2024-25
The below data is for all the products as given in the table below.
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
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.