Digit Car Insurance Reviews

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2900 Crore+

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24*7 Claims

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.
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9000+ Cashless

Network Garages

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2900 Crore+

Paid-in Claims

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24*7 Claims

Support

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Terms and conditions

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What Our Customers Have to Say about Us

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Why Choose Digit Car Insurance Policy?

We treat our customers like VIPs, know how…

Cashless Repairs

9000+ Cashless Network Garages for you to choose from across India

Smartphone-Enabled Self Inspection

Just click the damages on your phone and you are done

Super-Fast Claims

Quick and hassle-free claim process that's digital and paperless

24*7 Support

24*7 call facility even on National Holidays

Customize your Vehicle IDV

Customize Your Vehicle IDV

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

Complimentary Wellness Benefits

Get exclusive wellness benefits on the Digit App offered by top-rated health and wellness partners.

Key Features

Digit Benefit

Premium

Starting from ₹2072

No Claim Bonus

Up to 50% Discount

Customizable Add-Ons

10+ Add-ons available

Cashless Repairs

Available at 9000+ 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
Cashless Garages by Digit

Digit's Cashless Garages

Get cashless repairs at 9000+ garages across India 

How Digit Helped Customers with their Car Insurance Claims?

quote 2/2/2021
A customer’s Hyundai i20 was damaged in an accident in Dehradun. The repairs were covered under their policy, and the claim was settled smoothly.
See their story
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Himender_Hyundai i20 Owner

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We Helped a Customer Repair Their Car After a Sudden Accident

Customer's i20 car was involved in Accident

The customer’s Hyundai i20 was involved in an accident in Dehradun, leaving the car with visible damage and the customer unsure of the repair costs.

Seamless Claim Assistance from Digit

We guided the customer through the claim process, arranged quick inspection at the DPM Hyundai workshop, and approved the repairs without delay. A settlement of was processed smoothly, helping the customer get the car back without any stress.

Claim Details

Customer's Ratings

5 Stars

Claim Location:

Uttarkand, Deharadun

Settled Amount:

₹98,971

Coverage Type:

Reimbursement Claim

quote 2/4/2021
While on a trip, Kia Seltos owner met with an accident, they were worried about the repair expenses. Digit jumped in quickly with fast approvals and made the whole claim process super easy.
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Kumari_Seltos Owner

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We Helped a Customer Recover After Their Kia Seltos Was Hit in an Accident

Unexpected Collision of Kia Seltos on a Trip

While on a trip and navigating through the city, the customer’s Kia Seltos was hit in an unexpected collision, leading to bumper and side panel damage. The incident left them unsure about the repair process and concerned about the potential costs.

Fast‑Track Inspection and Claim Approval

We stepped in right away with clear communication and quick assistance. The inspection was completed promptly, approvals were handled on priority, and the workshop was kept updated. The claim was settled without complications, helping the customer get the car repaired smoothly.

Claim Details

Customer's Ratings

5 Stars

Claim Location

Hyderabad, Telengana

Settled Amount

₹1,01,917

Coverage Type

Cashless Claim

quote 12/6/2021
After being hit by another car, the Bolero owner was unsure how to manage the unexpected repair costs. Digit stepped in with quick approvals and a smooth, hassle‑free claim experience.
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Sharan_Bolero Owner

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We Helped a Bolero Owner Recover After a Sudden Accident

Bolero Hit by Another Vehicle During Routine Drive

During a routine drive in Khalilabad, the customer’s Mahindra Bolero was hit by another vehicle, causing noticeable damage. The customer was unsure how long the repairs would take and how costly they would be.

Hassle‑Free Repair Journey for the Bolero

We quickly guided the customer through the claim process, arranged a fast inspection, and coordinated with the workshop so repairs could begin on time. The claim was settled smoothly, helping the customer get the Bolero back on the road without stress.

Claim Details

Customer's Ratings

4 Stars

Claim Location

Khalilbad, Uttar Pradesh

Settled Amount

₹99,131

Coverage Type

Own Damage Cover

quote 3/12/2024
During a routine drive, the customer’s Tata Nexon met with an unexpected accident, Digit simplified repairs with quick claim approvals.
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Neeraja_Nexon Owner

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We Supported a Customer Through Their Nexon’s Damage Claim

Tata Nexon Impact Causing Repair Anxiety

The customer’s Tata Nexon was involved in an accidental collision, leaving the bumper and side area damaged. The sudden repair cost and process made the customer anxious.

Quick Inspection and Hassle‑Free Repair Process

Once the claim was raised, we arranged a fast inspection and coordinated with the workshop to begin repairs without delay. Our quick approvals and simple documentation made the entire experience smooth, and the customer received their repaired Nexon back on time.

Claim Details

Customer's Ratings

5 Stars

Claim Location

Siddipet, Telangana

Settled Amount

₹98,127

Coverage type

Own Damage Cover

quote 7/9/2024
In busy NCR traffic, the customer’s Hyundai Venue was suddenly hit. Overwhelmed, they contacted Digit and approvals were handled quickly from the very start.
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Aditya_Venue Owner

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We Helped a Venue Owner After an Unexpected Accident

Accident Shock and Uncertainty for Venue Owner

In the chaotic rush of New Delhi NCR traffic, the customer’s Hyundai Venue was suddenly struck by another vehicle. The impact left them shaken, worried about the visible damage, and unsure how complicated or expensive the repair process would be.

Smooth and Worry‑Free Claim Support

We guided the customer through each step of the claim, coordinated directly with the workshop, and ensured approvals were done without delay. Thanks to quick support and clear communication, the customer had a smooth, worry‑free repair journey.

Claim details

Customer's Ratings

5 Stars

Claim Location

New Delhi NCR

Settled Amount

₹99,972

Coverage Type

Own Damage Cover

quote 22-06-2025
A stolen part left the customer’s Mahindra Bolero incomplete, but Digit’s Car Theft Protect add‑on made the replacement fast and the claim effortless.
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Aman_Bolero Owner

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Digit Helped Make the Repair Journey Worry‑Free

Bolero Owner Faces Sudden Part Theft

When the customer parked their Mahindra Bolero near their residence in the Delhi–Ghaziabad NCR region, they expected a normal day ahead. But upon returning to the vehicle, they were shocked to find that a part of the car had been stolen.

Swift Support for a Stolen Part Claim

Once the customer raised the claim, Digit handled everything with speed and clarity. The verification process was smooth, documentation was minimal, and the approval for the stolen part replacement came through without delay.

Claim Details

Customer's Ratings

5 Stars

Claim Location

Gaziabad, Delhi NCR

Settled Amount

₹1,39,568

Coverage Type

Cashless Claim

quote 15-12-2021
An unexpected accident in Amritsar left the Baleno owner worried, but Digit quickly stepped in and made the claim stress‑free.
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Baleno Owner

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We Helped a Customer Get Back on the Road After Their Baleno Was Damaged in an Accident

Unexpected Accident During a City Drive in Amritsar

While on a regular drive through the busy roads of Amritsar, the customer’s Maruti Suzuki Baleno was suddenly involved in an accident. With traffic piling up and no clarity on what to do next, the situation quickly became overwhelming.

Quick Inspection and Smooth Claim Approval

Once the claim was raised, Digit acted immediately. A prompt inspection was arranged, and the workshop was kept in the loop so repairs could begin without delay. The approval process was fast, documentation was minimal, and the customer received clear updates at every step.

Claim Details

Customer's Ratings

4 Stars

Claim Location

Amritsar, Punjab

Settled Amount

₹1,31,699

Coverage Type

Cashless Claim

quote 4/5/2025
Brezza was parked, an electric line post suddenly fell on the car, causing significant damage, thankfully the customer had opted for Zero Depreciation add‑on cover.
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Ramji_Breeza Owner

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We Helped a Customer Recover After an Electric Line Post Fell on Their Parked Brezza

Sudden Damage to a Parked Maruti Suzuki Brezza

While the customer had parked their Maruti Suzuki Brezza, an unexpected incident occurred when an electric line post collapsed and fell onto the vehicle.

Zero Depreciation Cover and a Smooth Claim Experience

Fortunately, the customer had opted for the Zero Depreciation add‑on in their Digit car insurance. Once the claim was raised, Digit acted swiftly. An inspection was arranged without delay, the workshop was coordinated seamlessly, and approvals were handled on priority.

Claim Details

Customer's Ratings

5 Stars

Claim Location

Gaya, Bihar

Settled Amount

₹1,21,566

quote 22-06-2025
A Tata Nexon accident in Haryana left the customer unsure about third‑party formalities, but Digit helped navigate the process smoothly.
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Piyush_Nexon Owner

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We Helped a Customer Navigate a Third‑Party Claim After Their Tata Nexon Was Involved in an Accident

Unexpected Accident During a Routine Drive in Haryana

While driving through Haryana, the customer’s Tata Nexon was involved in an unexpected road accident that resulted in damage to a third‑party vehicle. Though their own car had limited damage, the customer was worried about how to handle third‑party responsibilities.

Clear Guidance and Structured Third‑Party Claim Support

Once the customer reached out, Digit provided step‑by‑step guidance on managing the third‑party claim. From explaining the required documents to helping the customer understand the legal process involved, Digit ensured clarity at every stage.

claim Details

Customer's Ratings

5 Stars

Claim Location

Haryana

Settled Amount

₹1,00,230

Coverage Type

Third Party Claim

quote 18-02-2025
An accident in Kolkata raised concerns for the Honda City owner, but Digit quickly simplified the claim with clear guidance and swift support.
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Samya_Honda City Owner

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We Helped a Customer Recover After Their Honda City Was Damaged in an Accident

Unexpected Accident During a City Drive in Kolkata

While navigating through Kolkata’s busy streets, the customer’s Honda City was involved in an unexpected accident. The impact caused visible damage to the car, leaving the customer anxious about repair costs, timelines, and the overall claim process.

How Digit Made the Claim Journey Easy

Once the claim was raised, Digit acted promptly. An inspection was arranged without delay, and coordination with the workshop began immediately. Approvals were handled, the customer received clear updates at every stage.

Claim Details

Customer's Ratings

4 Stars

Claim Location

Kolkata, West Bengal

Settled Amount

₹1,0,1847

Coverage Type

Cashless Claim

67% Car Repair Work Approvals Done within 12 Hours

In H2 FY25, 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!

Interesting Insights & Claim Stories of Digit Customers

car od tr

A Digit Car Insurance customer received a total loss claim of ₹48.70 Lakh in Mumbai

In a recent case from Mumbai, one of our policyholders experienced a total loss after their private car sustained severe damage. Fortunately, the vehicle was insured, and we processed a claim payout of ₹48.70 lakh. This case highlights the importance of having dependable insurance coverage to stay prepared for life’s unexpected turns.
car tp tr

Digit Settled a third party claim worth ₹ 1.5 crores in Raipur, Chhattisgarh

In a recent case from Raipur, a private car was involved in an accident that tragically resulted in a fatality. While such incidents are deeply distressing, they also bring significant financial and legal responsibilities. Fortunately, the vehicle was covered under our third-party insurance policy, which enabled a compensation payout of ₹1.5 crore to the affected party.

This case highlights the critical importance of third-party liability coverage in motor insurance, offering essential financial protection during life’s most difficult moments.

Flood Damage Claims Cross ₹95 Crore, with ₹3 Crore Settled in Azitnagar

When we think of car insurance, we often imagine accidents or theft. But sometimes, the most significant threats come from nature itself. Azitnagar in the Krishna district, had 529 flood-related claims filed this year, with payouts exceeding ₹3 crore. Across the country, we paid out more than ₹95 crore in flood and inundation claims.
unlucky customer

Seven Accident Claims in One Year on One Car, All Approved

One customer in Patna had a year they won’t forget. Their brand-new Kia Carens was involved in not one, not two, but seven accidents. Six happened while driving, and one happened while the car was parked. It was an actual test of their insurance policy and it passed. Every claim was covered, proving that dependable coverage can make all the difference when things go wrong again and again.

Premium Protection For Premium Vehicles

This year, we received some standout premium payments across different vehicle types. A Ferrari topped the list in the four-wheeler category with a premium of ₹8.04 lakh. In the two-wheeler segment, a Hayabusa was insured with a premium of ₹44,000. And in the commercial vehicle category, a Volvo L150 wheel loader was covered with a premium of ₹3.53 lakh. This highlights how our insurance scales to match the value and purpose of every vehicle, whether it’s built for speed or style
bond number plate

Over 670+ Vehicles Insured with ‘007’ Registration

This year, over 670 vehicles insured with us proudly carried the iconic Bond number “007”. Among them, one standout customer paid a premium of ₹5 lakh. This highlights how our insurance supports unique preferences while ensuring complete coverage.

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.

Some feathers on our cap! 

Best Digital Insurer - India​

Insurance Asia Country Excellence Awards 2024​

Technology Champion of the Year (GI)​

Elets BFSI Leadership Awards 2024​

General Insurance Company of the Year​

Asia Insurance Industry Awards 2024​    

Top Employer in India 2024 & 2025​

Top Employer Institute, Netherlands​

Most Innovative Insuretech Platform​

Fintech Festival India Awards 2024​

Part of Fortune India 500 List 2024 (Ranked 312)​

FORTUNE INDIA​

Top Rated Internet/Product Companies (mid-sized category) ​

Ambition Box Employee Choice Awards 2025​

Digit Makes It to the Headlines!

FAQs related to Digit Car Insurance

What makes Digit’s car insurance document easy to understand?

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At Digit, we believe insurance shouldn’t feel like decoding a legal document. That’s why we created the “Digit Simplifies” section—where we break down complex terms and offer bite-sized policy summaries. Our transparent approach ensures you know exactly what documents you need and what to expect, making the entire process stress-free. 

At Digit, we believe insurance shouldn’t feel like decoding a legal document. That’s why we created the “Digit Simplifies” section—where we break down complex terms and offer bite-sized policy summaries. Our transparent approach ensures you know exactly what documents you need and what to expect, making the entire process stress-free. 

Which car insurance should I get from Digit comprehensive car insurance or third-party liability?

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A comprehensive car insurance provides complete protection for your car, the owner-driver, along with the choice to opt for add-on covers for extended protection and covers for third-party liabilities as well. Whereas, a third-party liability insurance only covers for losses to third-parties due to your car. Therefore, if you do use your car on a regular basis, it's always recommended to go for a comprehensive car insurance. The only time a third-party liability is recommended is, when you have an old car that is barely in use and you just need the policy due to the requirement by law.

A comprehensive car insurance provides complete protection for your car, the owner-driver, along with the choice to opt for add-on covers for extended protection and covers for third-party liabilities as well. Whereas, a third-party liability insurance only covers for losses to third-parties due to your car. Therefore, if you do use your car on a regular basis, it's always recommended to go for a comprehensive car insurance. The only time a third-party liability is recommended is, when you have an old car that is barely in use and you just need the policy due to the requirement by law.

Are passengers covered by Digit’s car insurance?

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In most comprehensive car insurance policies, only the owner-driver is covered in case of any personal accident. However, Digit also offers a passenger cover add-on that you can opt for while purchasing your comprehensive car insurance.

In most comprehensive car insurance policies, only the owner-driver is covered in case of any personal accident. However, Digit also offers a passenger cover add-on that you can opt for while purchasing your comprehensive car insurance.

How fast are car claims processed at Digit?

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At Digit, speed meets simplicity. Our AI-powered claims process ensures that most car insurance claims are settled within just a few hours—with our fastest claim approved in just 5 minutes this year! On average, we maintain an impressive turnaround time of 14 hours and 46 minutes. No lengthy forms. No back-and-forth. Just a smooth, paperless experience that gets you back on the road faster.

At Digit, speed meets simplicity. Our AI-powered claims process ensures that most car insurance claims are settled within just a few hours—with our fastest claim approved in just 5 minutes this year! On average, we maintain an impressive turnaround time of 14 hours and 46 minutes.

No lengthy forms. No back-and-forth. Just a smooth, paperless experience that gets you back on the road faster.

What kind of support can I expect during a car accident?

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We’re here for you 24/7—even on national holidays. Whether it’s day or night, you can: Text us on WhatsApp at 7026061234 (chat-only) Call us at 1800-258-5956 Our support team and self-serve chatbot are always ready to guide you through the next steps.

We’re here for you 24/7—even on national holidays. Whether it’s day or night, you can:

  • Text us on WhatsApp at 7026061234 (chat-only)
  • Call us at 1800-258-5956

Our support team and self-serve chatbot are always ready to guide you through the next steps.

How does Digit help avoid claim rejections?

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We believe in clarity from the start. That means you’ll know exactly what’s included in your policy, what’s excluded, and what documents are required—before you even make a claim. Our simplified policies and real-time assistance help ensure your claims are processed smoothly, with minimal risk of rejection.

We believe in clarity from the start. That means you’ll know exactly what’s included in your policy, what’s excluded, and what documents are required—before you even make a claim. Our simplified policies and real-time assistance help ensure your claims are processed smoothly, with minimal risk of rejection.

Can I file a car accident claim digitally without paperwork?

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Absolutely. With Digit, you can file and track your claim entirely online—no paperwork required. Just upload photos or videos of the damage through our app, along with details of the accident, we will take it from there.

Absolutely. With Digit, you can file and track your claim entirely online—no paperwork required. Just upload photos or videos of the damage through our app, along with details of the accident, we will take it from there.

Does Digit offer cashless repairs?

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Yes! We have a wide network of over 9000+ cashless network garages across India. Just take your car to one of our partner garages, and we’ll handle the payment directly so you don’t have to worry about upfront costs.

Yes! We have a wide network of over 9000+ cashless network garages across India. Just take your car to one of our partner garages, and we’ll handle the payment directly so you don’t have to worry about upfront costs.

Need Help?

Have queries related to Digit motor insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:

WhatsApp

Connect with our self-serve chat bot support - 7026061234

Email

Write to us at hello@godigit.com

Contact

Call us on 1800-258-5956