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PLAN TYPE: Comprehensive
Starting From 2610
PLAN TYPE: Third Party
Starting From 2094
PLAN TYPE: Own Damage
Starting From 1277

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Claim settlement is the process that starts with filing a claim and ends with the claim being settled or rejected. Awareness of the right claim process and documents required is necessary to avoid claim rejections. Digit is a digital first insurance provider which has enabled most of its operations through its mobile app. In this page, we will cover Digits claim settlement process, types of claim settlements, documents required, and the significance of No Claim Bonus.

Claim settlement Ratio of Digit Car insurance

The claim settlement ratio determines the efficiency of claims settled by an insurer. Digit recorded a 96% claim settlement ratio for private cars in FY 2023-24.

Types of Digit Claim Settlement Process

Claim settlement with Digit is very simple. You have the option to either take your car for repair to a cashless garage or any other garage of your choice. Both of these approaches have different processes.

1. Cashless Claim Settlement Process

Cashless garages are the ones that have ties with Digit. Digit has more than 6,000 cashless garages all over India. In this process, you either take your car to the nearest cashless garage or ask Digit to arrange a pickup. You will not need to pay any amount for any service, part or repair that is mentioned in your policy document as the insurer will pay directly to the garage.

2. Reimbursement Claim Settlement Process

The reimbursement process allows you to get your car repaired at a garage of your choice which is not tied up with Digit. In this process, you need to get your car repaired by paying from your pocket and Digit later reimburses you after you submit the required documents. Note that the payment will be only for the details mentioned in the policy document.

Digit Claim Intimation

Claim intimation is the first step and is important. It should be done immediately after damage is done. To file your claim you can:

  • Call on Digit customer care at 1800-258-5956.
  • Write an email to

How to File a Digit Car Insurance Claim?

There are various steps that need to be followed on the basis of circumstances. The most common claim settlement processes are:

Third-party claim

In case you have injured someone or damaged their property by your car, you are liable to pay compensation which is covered by your third-party liability policy. Follow the given steps:

  1. The third-party must file an FIR at the nearest police station.
  1. Share your policy details with the third-party so they can contact your insurer.
  1. Intimate Digit and tell them about the incident in detail.
  2. Digit will appoint a surveyor who will review and examine your case.
  1. The case will then be transferred to the Motor Accident Claims Tribunal (MACT) where the compensation amount will be declared and then Digit will settle the claim.

Cases of Theft

In case your car gets stolen, follow the below-mentioned steps:

  1. Lodge an FIR with the police.
  1. Intimate Digit about the theft.
  1. Police will first try to trace your car. If they are unable to track, they will issue a non-traceable certificate. Submit it to Digit to get the claim for your car.

Claim Process of Digit Car Insurance

To file a Digit car insurance claim, follow the given steps:

  • Intimate the claim: Intimate the claim by calling 1800-258-5956 or writing an email to
  1. Self Inspection: You will receive a link on your registered mobile number to complete the self-inspection process.
  1. Shoot Videos: Take photos and videos of the damages on your car with the help of a guided step-by-step process.
  1. Approval: After the survey, the Digits team will approve the claim and you can take your car to a garage.

For different claims, different processes are discussed below.

Documents Required for Digit Claim Process

The following documents are required in the process of settling a claim:

  • Claim form filled in and signed
  • A copy of your Vehicles R.C.
  • A copy of the Driving License of the person driving at the time of the accident
  • Images of damages to car
  • Copy of first 2 pages of policy documents
  • Copy of FIR ( if applicable)
  • Certificate of non-traceable ( in case of theft)
  • Original invoice ( in case of reimbursement)
  • Original payment receipt (in case of reimbursement)

Always cross-check with the customer care team regarding the required documents in your case. InsuranceDekho customer support team can assist you in gathering these documents.

Digit No Claim Bonus

NCB or No Claim Bonus is a reward for claimless policy tenure. NCB is applied on the next premium. The discount increases for consecutive claim free policies. The discount only applies to the own damage portion of the premium.


  • No claim bonus can be easily transferred in case you plan to change your insurer.
  • The maximum NCB you can get is 50% of your Own Damage premium, which you get after 5 years of insurance without taking any claim.
  • In case you change your car, NCB is transferable provided the new car belongs to the same class (as per the tariff) as the old car.


    • After the first year of insurance without filing a claim, you get a 20% discount.
    • No claim bonus is calculated on your own damage premium only.
    • NCB is rewarded to you, not your car. So it stays with you even if you purchase a new car.


    • In case you don't renew your policy in 90 days after expiry, you will lose your NCB.

    The below mentioned table gives an idea of how NCB increases for consecutive claim free years.

    Years with No Claim

    NCB Reward











    Digit Car Insurance Claim Assistance & Support

    Digit has an active dedicated customer support team available 24x7. To access these services you can:

    Call on Toll-free Number: Call on 1800-258-5956 to speak to a customer support executive.

    Email support: Draft a mail about your queries or questions and send it to .

    The Grievance Redressal Cell: In case you are not satisfied with the response from customer support, you can elevate your query to the grievance redressal cell. You can do this by writing a mail to Mr. Praveen Bhat who is grievance redressal officer at

    InsuranceDekho’s customer support acts as additional support during your policy. You can reach InsuranceDekho customer care by calling on +91-7551196989 or writing an email at

    In case InsuranceDekho customer care fails to provide a satisfactory response, elevate the query/issue to the grievance cell by writing a mail to

    Your last resort is to elevate the issue to InsuranceDekho’s Principal Officer at before reaching out to Insurance Ombudmen.

    To reach an Insurance Ombudsmen visit the Council for Insurance Ombudsmen ( CIO) to seek assistance regarding your insurance.

    Common Digit Car Insurance Claim Rejection Reasons

    Digit General Insurance has set some standards that every policyholder needs to follow to settle a claim. The insurer rejects the claim under the following circumstances:

    • When the accident occurred while the driver was under the influence of intoxicants.
    • When the car was being driven in the absence of a valid license-holder present, by a novice driver with a learner’s license.
    • When false evidence was provided.
    • When there is no evidence to prove the occurrence of the accident.
    • Damage due to mindful negligence on the part of the driver.
    • Non-accidental damage
    • The claim was not filed immediately

    Digit No Claim Bonus

    Digit General Insurance offers a No Claim Bonus (NCB) to its policyholders for every year in which they did not make any claim. It is a discount on the amount of premium that ranges between 20% to 50% and is something you earn at the end of your car insurance policy period by driving safely throughout and maintaining a record of raising no car accident claims. This clears that NCB is zero when you buy a comprehensive car insurance plan and you earn it to avail only on your policy renewal and it increases with every claim-free policy year.

    A No Claim Bonus is a reward that is provided to the car insurance policyholder for safe driving and not to the insured car or any other vehicle. On this note, even if you switch your car, your NCB stays with you. Therefore, if you decide to buy a new car, you will be issued a new car insurance policy, but you can still avail of the NCB you accumulated on the old car or policy. However, to keep your NCB benefit intact, you must timely renew your car insurance policy and must refrain from making any small claims by bearing them on your own.

    Must Read Articles before buying Digit Car Insurance

    Digit Car Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Claim
    • Most Helpful
    • Comprehensive
    • Zero Depreciation
    • Third Party
    • Own Damage
    • Renewal
    • Cashless Garages
    • Price
    • Premium
    • Policy Download
    • Customer Care
    • Add On
    • Theft Recovery

      My car was stolen from the office parking in the middle of the day. I instantly called the police and made my next call to Digit, whose car insurance I had purchased. They very calmly handled the conversation and guided me throughout the police complaint process. Unfortunately, police could not find my car and issued a non traceable certificate after which I got my claim from Digit. I'm thankful to InsuranceDekho for recommending Digit for its efficient working and sympathetic customer support.

      By Gulfisha Ahmed
      On: July 12, 2024
    • Convenient Process of Claim

      Switching to Digit is a decision that I'm very positive about. The whole experience of a digital platform is very impressive. Especially the document submission is very smooth. Thanks to InsurnaceDekho for recommending Digit insurance.

      By Maryam Warsi
      On: July 1, 2024
    • Excellent Grievance Redressal

      I was having some concerns over some details in the policy document. Upon contacting Digit customer service, they tried explaining it to me but I was not totally convinced and wanted a more detailed response. I further contacted the grievance redressal officer who addressed all my concerns in detail and gave considerable time to help me. InsuranceDekho had mentioned that Digit has a very nice customer query response which inclined me towards the insurer.

      By Jagteshwar Singh
      On: June 28, 2024
    • Benefits of Consumable covers

      My car had some mechanical issues and was taken by the insurer for repair. After repairing I had to pay nothing except the deductibles. Moreover, my consumable cover saved me the cost of the consumables required in repairing the car as well. Kudos to InsuanceDekho and their team for helping out in picking the best insurer. After claims with no issues, I'm sure I will keep buying policies from Digit Only.

      By Priyanshu Deshmukh
      On: June 28, 2024
    • Quality centric service

      I'm a critical thinker and I always scrutinise my decisions. In all honesty, I was very conscious about sending my car to a cashless garage. Somehow due to the very experienced and quality-centric customer service, I chose to get my car towed to a cashless garage. I must say I am very impressed with their work and I will be much more relaxed regarding that in future. Thanks to InsuranceDekho for finding Digit, a trustworthy quality quality-focused insurer.

      By Anshika Chawla
      On: June 27, 2024
    • Loss of Personal Belonging Cov...

      My laptop was stolen from my car and the window was broken while the car was in parking. I ran to the police and was weeping about my loss as I knew the chances of getting it back are very low. Thanks to Digit loss of personal belonging add-on with the comprehensive car insurance which covered my laptop and I recieved my claim along with the window getting replaced. Shout out to InsuranceDekho for suggesting Digit car insurance with the necessary add-on that made the experience less horrible.

      By Shrishti Damodar
      On: June 25, 2024
    • Broken window

      Some kids broke the window of my car while playing cricket. I intimated the claim and the process was very easy and did not take much time and my window was repaired in no time. I remember taking assistance from InsuranceDekho while choosing Digit for my car insurance.

      By Jaideep Singh
      On: June 24, 2024
    • Cashless Settlement

      I'm super happy with Digit car insurance, the claim settlement process is very smooth, especially the cashless approach. I didn’t have to pay anything at the garage and my car got repaired and they even washed it. Delighted, thanks to InsuranceDekho for the support in selecting the best policy

      By Azazil Haider
      On: June 20, 2024
    • Amazing user interface

      InsuranceDekho provided me with various options on insurance policies to choose my deal from. I chose GoDogit and I am thankful for it. One of the coolest thing about Digit is the mobile App UI which makes the operations very easy for the user to use. I had to make some changes to my policy document and I could do it without any guidance on how to use the app.

      By Madhav Shankar
      On: June 17, 2024
    • Easy NCB Transfer

      Switching to Digit car insurance is a good move. I did and I dont regret. My NCB was transferred easily and my premium sounds very justified. Thanks to InsuranceDekho for giving me a wider perspective.

      By Shreya Girotra
      On: June 13, 2024

    414 Digit Cashless Garages in India

    Digit Car Insurance Claim FAQs

    • How can I locate a cashless garage associated with Digit?

      Navigate to the official website. You will be needed to scroll down the homepage and click on ‘Find Garages’ option located under the heading of ‘Services’. On the next page, select the city and give the Manufacturer name. Then Click on ‘Find Garage’, a list of the associated workshops will appear on your screen.

    • What additional things do I need to furnish to the company for claim settlement in case of theft of the insured vehicle?

      Apart from the necessary documents, you will be required to submit the entire set of vehicle keys, the Final Report – No Trace Report for the lost vehicle, Indemnity Bond as well as the NOC (No Objection Certificate) from the financer in case of theft of the vehicle.

    • How long will it take to process the final claim settlement?

      90.4% of the motor claims filed in Digit are settled are within 30 days. You can also check for the claim settlement turn around time, as that will help to give you an insight on how fast the claims are being processed and settled by the insurer.

    • Is the car insurance claim process time-bound?

      Yes, the claim process is time-bound. It is advisable to inform the insurer within 24 hours of the incident.

    • From where can I get the claim form of the Digit car insurance plan?

      You can download the claim form of Digit car insurance policy from its official website or reach out to the nearest branch and collect the hard copy of the claim form.

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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.