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    Motor Vehicle Insurance Policy Online

    Vehicle insurance or motor insurance is an insurance policy meant for four-wheelers, two wheelers, commercial vehicles and other road vehicles. Motor insurance protects the insured vehicle against the loss or damage caused due to accidents and natural disasters.

    So, vehicle insurance is essential for all vehicle owners in India as it allows you to drive worry-free by covering your repair expenses and be legally compliant.

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    What is Motor Insurance?

    Motor insurance, also called auto insurance, is the type of insurance that protects you and your vehicle (car/bike/commercial vehicle) from financial losses and damage like natural calamities, thefts, burglaries, malicious acts and accidents. There are 3 types of motor insurance in India.

    Why Do You Need Motor Insurance in India?

    Well, there’s no running away from this! As per the Motor Vehicles Act 1988, it is mandatory for all vehicles in India to have at least a Third-party Liability Policy to drive/ride legally. Additionally, if you equally (or more so) care about your vehicle, it is important to have a Comprehensive Policy in place as well.

    What is the Importance of Motor Insurance?

    Here’s why it is important to get a motor insurance policy in India:

    • To drive/ride legally
    • To financially protect any third party from damage caused by your vehicle in unforeseen situations.
    • To protect and cover your vehicle in case of natural calamities, fire, theft and malicious activities.
    • To protect yourself from losses caused by external property damage.
    • To protect and compensate your family in the case of an accidental death.

    Note: Benefits may differ based on the plan you choose. To ensure you're entitled to all the benefits, it’s best to purchase the Comprehensive Plan.

    What’s Covered in Digit Motor Insurance?

    Hatchback Damaged Driving

    Accidents

    Damages and losses that may arise out of accidents and collisions

    Getaway Car

    Theft

    Covers for the losses incurred when your car is unfortunately stolen

    Car Got Fire

    Fire

    Damages and losses caused to your car due to an accidental fire

    Natural Disaster

    Natural Disasters

    Damage and losses to your car in case of natural calamities such as floods, cyclones, etc.

    Personal Accident

    Personal Accident

    If there is a car accident and unfortunately, it leads to death or disability of the owner

    Third Party Losses

    Third Party Losses

    In cases where your car causes damage and losses to someone else, their car or property.

    What’s not Covered?

    It is equally important to know what’s not covered in your vehicle insurance policy, such as:

    standalone cover icon

    Own Damages for Third-Party Policy holder

    In the case of a third-party or liability only policy, damage to your own vehicle won’t be covered.

    Drunk Driving or without a Licence icon

    Drunk Driving or without a Licence

    You were driving drunk or without a valid driving licence.

    not valid dl icon

    Driving without a valid Driving Licence holder

    You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.

    Consequential Damages icon

    Consequential Damages

    Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered).

    Contributory Negligence icon

    Contributory Negligence

    Any contributory negligence (e.g., damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered).

    Add-ons not Bought icon

    Add-ons not Bought

    Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.

    Why Choose Digit's Motor Insurance?

    We treat our customers like VIPs, know how…

    Cashless Repairs

    Cashless Repairs

    10000+ Cashless Garages for you to choose from across India (for private cars 6000+ garages and for two wheelers 4400+)

    Smartphone-enabled Self Inspection

    Smartphone-enabled Self Inspection

    Just click the damages on your phone and you are done

    Customize your Vehicle IDV

    Customize your Vehicle IDV

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

    Super-Fast claims

    Super-Fast claims

    Paperless claims & hassle-free process.

    24*7 Support

    24*7 Support

    24*7 call facility even on National Holidays

    Types of Motor Insurance Add-ons Available with Digit

    Digit allows you to choose your desired add on covers from the given list:

    Zero Depreciation Cover icon

    Zero Depreciation Cover

    Zero depreciation add-on ensures that the value of your vehicle remains the same as the day you bought it, as the add-on doesn’t include the cost of depreciation while calculating the claim amount. 

    Return to Invoice Cover icon

    Return to Invoice Cover

    With return to invoice add-on, you get back the complete amount of your car/bike invoice value in case of theft or damage beyond repair. It also includes the benefit of the cost of registering a new vehicle and its road tax.

    Tyre Protect Cover icon

    Tyre Protect Cover

    The tyre protect add-on covers damage to your car's tyres such as tyre bursts, bulges or cuts during all other situations possible.

    Breakdown Assistance icon

    Breakdown Assistance

    Roadside assistance has your back at all times when your car or bike breaks down in the middle of the road. Give Digit a call and they’ll come to the spot and repair your vehicle. If not possible, they will tow your vehicle to the nearest service station. 

    Consumable Cover icon

    Consumable Cover

    A consumable add-on covers the service costs of your vehicle, such as the new engine oil, missing nut on your engine cover, etc. 

    Engine and Gear-box Protection Cover icon

    Engine and Gear-box Protection Cover

    Engine & Gearbox Protection Cover offers financial protection for damage caused to the engine of the vehicle due to water entering the engine to leakage of the lubricating oil.

    Daily conveyance benefit icon

    Daily Conveyance Benefit

    With daily conveyance benefit add-on, you get compensated in the form of a daily transport allowance or a standby vehicle for your travelling expenses in case your vehicle is being repaired in a garage.

    Key and Lock Protect icon

    Key and Lock Protect

    The key and lock protect add-on cover helps you repair or replace your key and lock in case you have lost or damaged your vehicle’s keys or lock, or if they are stolen. 

    Loss to Personal belongings icon

    Loss to Personal Belongings

    Personal belongings provide you with compensation in case the insured or any immediate family member lost any in the insured vehicle.

    Pay as you drive Cover icon

    Pay as You Drive Cover

    Pay as You Drive add-on cover offers you discounted premium as with it you only have to pay as per your kilometers covered with the Own Damage cover of the base policy.

    EV Shield Add-on Cover icon

    EV Shield Add-on Cover

    The EV Shield add-on cover for electric vehicles in India is an add-on that specifically covers your electric and hybrid vehicle. It protects EV cars and EV bikes against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and to offer roadside assistance services specific to EVs.

    Types of Motor Insurance in India

    Car Insurance

    Car Insurance

    • A car insurance protects you from denting financial losses and covers you in the case of unfortunate situations such as accidents, fires, natural calamities and other mishaps.
    • We offer mainly two types of car insurances; one is the Third-Party Policy, that covers only losses against damage caused to third-party vehicles/people/property, and the Comprehensive policy; that covers losses against third-parties and your own damages as well.
    • The insurance premium of every car is different and depends on factors such as the make and model of the car, fuel, engine type, and previous policies, among other factors.
    • All car insurance related claims are settled in a jiffy, made easier with our smart phone self-inspection app and zero physical paperwork involved!
    Get Car Insurance
    Bike Insurance

    Bike Insurance

    • A bike insurance plays an important role in preventing you from financial losses caused during unforeseen circumstances such as accidents, fires, natural calamities and other mishaps.
    • We offer two types of bike insurances; one is the Third-Party Policy, that covers only losses against damage caused to third-party vehicles/people/property, and the Comprehensive policy; that covers losses against third-parties and your own damages as well.
    • Your insurance premium largely depends on your scooter/bike model and registration year.
    • All two-wheeler insurance-related claims are settled in a jiffy too, made easier with our smartphone self-inspection app and zero physical paperwork involved!
    Get Bike Insurance
    Commercial Vehicle Insurance

    Commercial Vehicle Insurance

    • Apart from the mandate by law, a motor insurance for commercial vehicles is extremely important, given the risks involved.
    • A commercial vehicle insurance covers for third-party liabilities, towing vehicles and a personal accident cover for the driver.
    • Commercial vehicles differ across industries and so do their policies. For more details and customizations, feel free to get in touch with our team at hello@godigit.com
    Get Commercial Vehicle Insurance

    Vehicle Insurance Plans that Fit Your Needs

    car-quarter-circle-chart

    Third-Party

    Third-party motor insurance protects the insured vehicle against any third-party liabilities caused due to your vehicle. Also, having at least a third-party policy is mandatory by law in India.

    car-full-circle-chart

    Comprehensive

    The comprehensive vehicle insurance plan is the most beneficial one as it offers wide coverage, including both third-party liabilities as well as the losses or damages to one's own vehicle in case of accident or mishap. 

    standalone cover

    Own Damage

    OD policy covers loss and damage to your own vehicle due to accidents and collisions, natural calamities, fires, and thefts. This type of auto coverage is available only for those who already have a third-party plan.

    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 Motor Insurance Policy Online with Digit?

    Step 1

    On the Digit app or website, enter vehicle’s registration number and 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 Vehicle Insurance Online

    With Digit Insurance, you can buy auto coverage in just a few steps and that too without a load of documents or paperwork. Just furnish these to get vehicle insurance in a few minutes: 

    • Vehicle Registration Certificate
    • Previous year vehicle insurance policy, if applicable
    • Any of these documents for KYC verification - PAN/Aadhar/DL/Voter ID/Form 16/Passport

    How to Choose the Right Motor Insurance Policy

    Given the number of options available today. It is important to pick an insurance that is simple, reasonable, protects and covers you in all possible situations and most importantly, guarantees to settle claims as soon as possible. After all, that’s the most important part of an insurance!

    Here are a few tips that will help you pick the right motor insurance online for your vehicle:

    Right Insured Declared Value (IDV)

    IDV is the market value of your car. Your premium will depend on this. While looking for the right motor insurance online, make sure your IDV is stated correctly.

    Know more about IDV in Bike Insurance & IDV in Car Insurance

    Service Benefits

    Consider services such as 24x7 Customer Support, Convenient Pick-up and Drop, and Wide Network of Cashless Garages, among others. In times of need, these services matter.

    Review Add-Ons

    While picking the right motor insurance for your vehicle, consider the add-ons available to ensure maximum benefits.

    Check the Car Insurance add-ons & Bike Insurance add-ons provided by Digit.

    Claim Speed

    It’s the most important aspect of any insurance. Pick a motor insurance company you know will settle claims quickly.

    Best Value

    From the right premium and after services to claim settlements and add-ons; pick a motor insurance that conveniently covers everything you think you will need at the best possible value.

    How to Do Motor Insurance Renewal with Digit?

    To renew your car insurance or bike insurance with Digit for quick and hassle-free process, follow the given steps:

    Step 1

    Login to Digit App or website and go to the ‘My Policy’ section.

    Step 2

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

    Step 3

    Next, select the 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.

    Why Renew Motor Insurance Policy with Digit?

    Looking to renew your motor insurance policy with us for the first time? Here are some reasons why you should Digit for vehicle insurance renewal:

    Customizable IDV

    A lower IDV can significantly affect the amount you receive at the time of claim, which is why at Digit we believe in transparency by allowing you to customise your IDV as required. 

    Quick and Hassle-Free Claims

    Digit's online claim process is the easiest and is completed within a few minutes. With Digit, you can get your claims done easily during times of need.  

    Cashless Repairs

    Digit offers the option of cashless repair, which means that you won’t have to spend extra from your pocket at the time of an accident. With cashless repair feature, you can get your claimed repairs done without spending anything extra.

    Large Network of Garages

    To avail yourself of our cashless repair service, you need to go to our network of garages, spread all across the country. 

    Doorstep Pickup & Drop

    Digit also offers pickup and drop service from your doorstep, for your damaged vehicle in case it can’t be repaired in time.

    24x7 Support

    With Digit you don’t have to worry about day or time; we have got your back. 

    How to Download Your Motor Insurance Policy on Digit App?

    To download your renewed or already active vehicle insurance policy with Digit, follow the given steps:

    • Step 1: On the Digit app, go to the ‘My Policies’ tab at the bottom of the screen. You will see all your policies currently active with Digit. 
    • Step 2: Now select the insurance policy for which you want to download the document. Verify all the details and click on ‘Download Policy’. Your car insurance policy document will be downloaded.

    How to File a Motor Insurance Claim with Digit App?

    After you buy or renew our bike/car/commercial vehicle insurance plan, you can file a claim with us in a hassle-free and quick 4-step completely digital claims process!

    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.

    Motor Insurance Premium Calculator

    Before buying or renewing your motor insurance online, it is wise to use the premium calculator so that you can see how choosing different plans with different addons would affect your insurance premium.

    Making the right adjustments and checking the final insurance premium will help you decide on the right motor insurance plan for you.

    Calculate insurance premium for your vehicle using the car insurance premium calculator or the bike insurance premium calculator.

    What are the Factors that Decide Your Insurance Premium?

    No two vehicle insurances can be the same. Your insurance premium can differ based on many factors like the kind of policy you choose (Third-Party vs Standard/Comprehensive), the make and model of your vehicle, the market value of your vehicle, the city you live in, the properties of your engine, the purpose of your vehicle (private/commercial), and of course, whether your vehicle runs on petrol, diesel or CNG.

    Tips to Reduce Your Motor Insurance Premium

    A lower premium price can be tempting for many, but make sure you don’t incorrectly state your IDV or take in only a Third-Party Policy just because you want to save some bucks.

    Here are a few other ways that can reduce your premium, without risking yourself or your vehicle:

    Transfer Your Bonus

    Auto insurance is connected to the owner of the vehicle and not the vehicle itself. If you’ve had motor insurance before, make sure you transfer your bonus to your new car. 

    Make Use of Your NCB

    NCB is the No Claimed Bonus you could receive if you haven’t made claims for the term. This then gives you a suitable discount while renewing your vehicle policy online. So, make sure you drive safely and perhaps you can also save on not claiming for the little nitty-gritties and save up for the rainy days!

    Decide on a Decent Deductible

    In any vehicle insurance, a deductible is the amount that will be paid by you while making a claim. So, when you’re opting for your deductible, decide on an amount you can pay comfortably rather than keeping it zero or too little. The higher your deductible, the lower your regular insurance premium. This especially works best if you know you’re a safe driver and have had a track of no claims for a while.

    Tips to Compare Motor Insurance Quotes

    Don't blindly go for insurances that offer a lower premium. While comparing motor insurances online, keep the following in mind:

    Service Benefits

    Great services really matter in times of trouble. Make sure to evaluate services each insurance company is offering and make a sound choice accordingly. Some of the services Digit offers are Doorstep Pickup, Repair & Drop with 6 months Warranty, 24*7 Customer Care Support, Cashless at 1000+ Garages etc.

    Quick Claim Settlement

    The whole point of insurance is to get your claims settled! So make sure you pick an insurance company that will guarantee quick claim settlements. 90.4% of Digit’s claims are settled within 30 days! Additionally, we have a zero hardcopy policy, which means we only ask for soft copies. Everything is paperless, online, quick and hassle-free!

    Check Your IDV

    A lot of insurance quotes online will have a low IDV (Insured Declared Value), i.e. the market value of your vehicle. While the IDV affects your premium, it also makes sure you get the right claim at the time of a settlement. The last thing you want during a theft or damage is to find out your IDV was low/at the wrong value! At Digit, we give you the option to set your IDV while buying your motor insurance policy online.

    Best Value

    Finally, pick a vehicle insurance that gives you a fair combination of it all. The right price, services and of course, quick claims!

    Motor Insurance Terminologies You Need to Know

    Insured Declared Value (IDV)

    A vital part of motor insurance, an IDV is the Insured Declared Value of your vehicle, that will be paid out to you in case of a mishap.

    It is determined based on the market value (including depreciation) of your vehicle and directly affects your premium. Since a vehicle depreciates with time, directly affecting the IDV, your premium too will reduce based on the same.

    No Claim Bonus (NCB)

    NCB is the No Claimed Bonus that you receive when you haven’t made any claims for the policy term, i.e. you’ve been a safe driver and therefore, your premium at renewal will be discounted by your insurer.

    Know more about NCB in Bike Insurance & NCB in Car Insurance.

    Zero Depreciation

    Like everything in life, your vehicle parts also undergo depreciation which leads to a decrease in their value over time, this is when Bumper to Bumper or Zero Depreciation Cover in Motor Insurance helps you. 

    Third Party

    A third party in motor insurance refers to anyone other than the policyholder who may be affected by the insured vehicle. Third-party insurance plan covers these liabilities for damages or injuries caused by the insured vehicle.   

    Compulsory Deductible

    It is a fixed amount set by the insurer you must pay out of your pocket before the insurance company pays for any covered losses. A higher deductible means lower premium and vice versa. 

    Voluntarily Deductible

    As the name suggests, it is an additional amount that you choose to pay in addition to the compulsory deductible. Choosing a higher voluntary deductible can lower the insurance premium.  

    Add-on

    Add-ons in insurance are additional coverages that can be purchased along with standard insurance plan, to enhance the coverage. For example, zero depreciation, engine protection, roadside assistance, etc. They can be bought at an additional premium cost. 

    Cashless Claim in Motor Insurance

    If you opt to get your vehicle repaired with a Digit Authorized Repair Center, we will make the payment for the approved claim amount directly to the Repair Center. This is called a Cashless Claim feature.

    However, if there are any deductibles, like a Compulsory Excess/ Deductible or any repair charges for which your insurance doesn’t cover you or any depreciation costs, that amount needs to be paid by the policyholder.

    So, with this add-on cover, when your vehicle gets damaged in an accident you get the full cost of replacement at the time of claim, without deducting the cost of depreciation. 

    FAQs about Motor Vehicle Insurance in India

    What does motor insurance cover?

    Motor insurance covers your own damage and third-party liabilities in case of loss or damage to the to the insured vehicle, caused due to natural and man-made disasters. 

    Motor insurance covers your own damage and third-party liabilities in case of loss or damage to the to the insured vehicle, caused due to natural and man-made disasters. 

    What is the period for motor insurance policy?

    Generally, a motor insurance policy in India is valid for a period of 1 year. However, for two-wheelers, you can now opt for a long-term motor insurance plan as well, which is up to 3 years.

    Generally, a motor insurance policy in India is valid for a period of 1 year. However, for two-wheelers, you can now opt for a long-term motor insurance plan as well, which is up to 3 years.

    Who can buy a motor insurance policy in India?

    Any vehicle owner in India who owns a vehicle legally purchase a motor insurance policy for it.

    Any vehicle owner in India who owns a vehicle legally purchase a motor insurance policy for it.

    Is it mandatory to get vehicle insurance in India?

    As per law, having at least a third-party vehicle insurance is mandatory. However, as per your needs, you can upgrade it to a comprehensive motor insurance plan.

    As per law, having at least a third-party vehicle insurance is mandatory. However, as per your needs, you can upgrade it to a comprehensive motor insurance plan.

    What are the different types of vehicle insurance plans available?

    Vehicle insurance is available for private four-wheelers, two-wheelers, and commercial vehicles. Further, there are three types of motor insurance plans – third-party insurance, comprehensive insurance, and standalone own damage insurance.

    Vehicle insurance is available for private four-wheelers, two-wheelers, and commercial vehicles. Further, there are three types of motor insurance plans – third-party insurance, comprehensive insurance, and standalone own damage insurance.

    What if I do not have a motor insurance policy?

    If you do not have any active motor insurance policy in India, you will have to bear the repair costs for any damage caused to your vehicle, and you can also be fined to a fine of ₹2000 if you are caught driving without a valid vehicle insurance.

    If you do not have any active motor insurance policy in India, you will have to bear the repair costs for any damage caused to your vehicle, and you can also be fined to a fine of ₹2000 if you are caught driving without a valid vehicle insurance.

    How is motor insurance premium calculated?

    Vehicle insurance premium is calculated based on various factors such as IDV of the vehicle, its make and model, seating capacity, the type of policy chosen, deductibles, add-on covers, and more.

    Vehicle insurance premium is calculated based on various factors such as IDV of the vehicle, its make and model, seating capacity, the type of policy chosen, deductibles, add-on covers, and more.

    How do I check the details of my vehicle insurance policy?

    To check vehicle insurance, you can visit your insurer’s website or app, provide the required vehicle details, and then check information about your policy.

    To check vehicle insurance, you can visit your insurer’s website or app, provide the required vehicle details, and then check information about your policy.

    Do I need a motor insurance policy for my car if I use it rarely?

    Yes, even if you drive your car rarely, you still need to insure it with at least a third-party policy as not getting one can lead to penalty and legal issues.

    Yes, even if you drive your car rarely, you still need to insure it with at least a third-party policy as not getting one can lead to penalty and legal issues.

    Can I switch to a different insurer or even a different insurance plan?

    Yes, you can switch to a different insurer and even upgrade your motor insurance plan at the time of renewing your motor insurance policy.

    Yes, you can switch to a different insurer and even upgrade your motor insurance plan at the time of renewing your motor insurance policy.

    What are the benefits of buying motor insurance online?

    Purchasing a motor insurance policy online has various benefits such as it is comparatively a lot easier process, you can buy motor insurance online at any given time and from anywhere, and you don’t need a pile of documents.

    Purchasing a motor insurance policy online has various benefits such as it is comparatively a lot easier process, you can buy motor insurance online at any given time and from anywhere, and you don’t need a pile of documents.

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    Write to us at hello@godigit.com

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    Last updated: 08-05-2025

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