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Key Features of Car Insurance by Digit
| 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! |
| Claim Settlement Ratio | 96% Claims Settled for Private Cars * |
| Own Damage Cover | Available |
| Damages to Third-Party | Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages |
Digit's Cashless Garages
List of 9000+ Network Garages >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!
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
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.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.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 styleOver 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.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.
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
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.
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.
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!
How Digit Insurance is owning the narrative of transforming doubt into delight
- 28 Oct 2024
- Adgully
Go Digit Standalone September 2024 Net Sales at Rs 2,234.35 crore, up 17.31% Y-o-Y
- 25 Oct 2024
- Moneycontrol
Go Digit General Insurance standalone net profit rises 223.11% in the September 2024 quarter
- 24 Oct 2024
- Business Standard
FAQs related to Digit Car Insurance
What makes Digit’s car insurance document easy to understand?
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?
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?
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?
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?
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?
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.
What is Digit’s claim settlement ratio for motor insurance?
In FY 2024–25, Digit achieved a 96% claim settlement ratio for international travel insurance, reflecting our commitment to hassle-free claim resolution. Our motor insurance claim settlement ratio is equally strong, ensuring you’re in safe hands when it matters most.
Can I file a car accident claim digitally without paperwork?
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?
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.