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Digit Comprehensive Car Insurance Policy

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Highlights
    Network Garages1,000+
    Claim Settlement Ratio80.47%
    Emergency AssistanceAvailable 24/7
    Number of Customers90 lakh+
    Claim ProcessDigitally Enabled
    Presence70+ cities

    Digit Comprehensive Car Insurance Policy

    The insurance policy that provides protection and indemnification against third party liabilities (both life as well as property) and against the damage suffered by the insured vehicle is known as a comprehensive car insurance policy. Digit comprehensive car insurance policy offers insurance coverage for the insured vehicle for damage/loss sustained by it in any road accident, natural or man-made calamity, theft or any other mishap in addition to the third party liabilities (both life and property).

    Digit General Insurance is one of the top-ranked insurers that offers a wholesome comprehensive car insurance policy that provides wider coverage and option to purchase multiple add-on covers to strengthen the insurance cover.

    Digit Comprehensive Car Insurance Vs Third Party Car Insurance

    Basis

    Comprehensive Car Insurance

    Third Party Car Insurance

    Coverage

    Digit comprehensive car insurance insures your vehicle not only against third party liabilities but also against own-damages sustained by the insured car. It compensates third party property damage up to a maximum of Rs.7.5 lakh and third party bodily injuries/death as per court’s decision.

    Digit third party car insurance provides coverage against third party liabilities only. It will provide limited/unlimited compensation in case of physical injury/death of a third party and property damage of up to a maximum of Rs.7.5 lakh.

    Add-on covers

    Digit comprehensive car policy offers a wide range of add-on covers that provide additional benefits and enhances protection against extra premium.

    No add-on covers are available with the third party insurance policy.

    Cost of insurance policy

    The cost of Digit comprehensive car policy is comparatively higher than its third party plan due to wider coverage.

    Digit third party policy costs comparatively lesser than the package policy cover due to its limited coverage.

    What All is Covered Under Digit Comprehensive Car Insurance Plan?

    Digit comprehensive car insurance policy provides coverage for the following aspects:

    • Third-party property damage up to Rs. 7.5 lakh.
    • Limited/unlimited coverage in case of bodily injury/permanent disability or death of a third party.
    • Coverage for own-damages incurred by the insured car in any accident, theft, natural/man-made calamity, etc.

    What All Is Not Covered Under Digit Comprehensive Car Insurance Plan?

    Digit comprehensive car insurance policy refrains from providing coverage for the following:

    • Normal wear and tear
    • Driving without a valid license
    • In the case of wilful negligence
    • Mechanical or electrical breakdown
    • Damaged caused due to contractual liability
    • Damage caused during war, nuclear risk or any similar situation
    • In case of driving under the influence of alcohol or intoxicating drugs.

    Digit Comprehensive Car Insurance Benefits

    • Availability of personal accident coverage of up to Rs. 15 lakh.
    • Availment 24x7 responsive customer support (even on National holidays).
    • Customization of the Insured Declared Value as per choice is also available.
    • Availability of over 1,000 network garages to facilitate cashless claim settlements.
    • Modernized smartphone-enabled self-inspection process for quick processing of claim intimation.
    • Doorstep pick-up, drop along with a repair warranty of 6 months if you opt for Digit associated workshops.
    • Super-fast claim settlement process. Digit has settled about 96% of all the claims filed with it for private vehicles.

    Calculate Your Car Insurance

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    Which city is your car registered in?
    • Ahmedabad
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    • Chandigarh
    • Chennai
    • Gurgaon
    When did you buy your car?
    20062019
    Have you made a claim in the previous year?

    Must Read Articles before buying Digit Car Insurance

    Digit Car Insurance User Reviews

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    • Best customer service

      The customer care service of the InsuranceDekho is the best. While buying the Digit car insurance plan for m...

      Read More
      N
      By Naman Singh
      On: September 9, 2022
    • Policy Renewal

      Quick and Easy renewal of policy! Tried other sites however, seems like this is the fastest. I do hope the cla...

      u
      Hyundai Santro Bangalore
      By ushadevi Hiremath
      On: September 6, 2022
    • Hassle-free claim settlement

      I had filed a claim on the InsuranceDekho website for my Hyundai Venue car for which I was insured with the ...

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      Y
      By Yash Rajput
      On: August 29, 2022
    • Hassle-free claim settlement

      I had filed a claim on the InsuranceDekho website for my Hyundai Venue car for which I was insured with the ...

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      Y
      By Yash Rajput
      On: August 22, 2022
    • Hassle-free claim settlement

      I had filed a claim on the InsuranceDekho website for my Hyundai Venue car for which I was insured with the ...

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      Y
      By Yash Rajput
      On: August 10, 2022
    • Quick policy issuance

      I recently bought the Digit car insurance plan for my TATA Tago. It was easy to issue the plan from their we...

      Read More
      N
      By Nikhil Singh
      On: August 5, 2022
    • Variety of plans

      The InsuraceDekho website provides a variety of plans to choose from. I chose the Digit car insurance plan. ...

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      D
      By Divyam Singh
      On: August 3, 2022
    • Informative website

      The InsuranceDekho website is very informative. While buying the Digit car insurance plan for my TATA Nexon,...

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      C
      By Chirag Mittal
      On: July 27, 2022
    • Quick policy issuance

      I recently bought the Digit car insurance plan for my TATA Tago. It was easy to issue the plan from their we...

      Read More
      N
      By Nikhil Singh
      On: July 25, 2022
    • Variety of plans

      The InsuraceDekho website provides a variety of plans to choose from. I chose the Digit car insurance plan. ...

      Read More
      D
      By Divyam Singh
      On: July 13, 2022

    144 Digit Cashless Garages in India

    Insurance Products by Digit General Insurance

    Digit Comprehensive Car Insurance FAQs

    • How can I purchase the Digit comprehensive policy online?

      • Step-1 -Visit the official website of Digit. Then enter your vehicle details - make, model, variant along with the registration date and the city your vehicle is being driven in. Click on ‘Get Quote’.
      • Step-2 - Select ‘Standard Package’ (Comprehensive Insurance).
      • Step-3 - Furnish all the details about your previous insurance policy such as the expiration date, claims filed in the previous year, No Claim Bonus rewards (if any).
      • Step-4 - You will be given a quote for your premium. Digit comprehensive policy allows you to further customization your insurance plan with the help of various add-on covers. The final premium will be available on the next page where you can proceed with payment.

    • Are passengers covered under the comprehensive car insurance?

      Digit comprehensive car insurance policy covers only insured car and third party liabilities in case of an accident or any other mishap. To get an insurance cover for unnamed passengers, you can buy the Digit passenger cover add-on which provides a coverage of up to Rs. 2 lakh against a premium.

    • Is it mandatory to have a comprehensive car insurance policy?

      No, according to the Indian Motor Tariff 2002, every vehicle-owner should have their vehicles insured with at least a third party liability only insurance policy. Thus, a comprehensive cover is not mandatory although a recommended plan as it insures you against own-damages of your car besides the third party liabilities.

    • How can I get the quotes for Digit comprehensive car insurance?

      You can get the quotes for Digit through its official website. You can also opt to get the quote through InsuranceDekho just by entering the car registration number on its “Get a Quote” feature.

    • What are the factors that influence the premium amount of the Digit comprehensive car insurance policy?

      The factors that influence the premium amount of the Digit comprehensive car insurance policy are Deductibles, Add-On Covers, Tenure of the policy, Age of the insured’s car, Make and model of the car, and Insured Declared Value (IDV).

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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.