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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


Comprehensive Car Insurance

Third Party Car Insurance


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.

Must Read Articles before buying Digit Car Insurance

Digit Car Insurance User Reviews

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What users are saying
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  • Quick and Efficient Claims Pro...

    When I bought the Digit Car Insurance Policy for my Ford car, I felt that InsuranceDekho's comprehensive insurance includes a quick and efficient claims process. They made sure I received full coverage and processed my claim promptly.

    By Tanmay Roy
    On: October 23, 2023
  • Responsive Support from Custom...

    I had questions while using the premium calculator, and InsuranceDekho's support team was incredibly responsive and helpful. They guided me through the process of buying the Digit Car Insurance Policy for my Nissan car.

    By Ananya Yadav
    On: October 6, 2023
  • Comprehensive Protection, Comp...

    While purchasing the Digit Car Insurance Policy I found comprehensive protection with InsuranceDekho, and it has translated into comprehensive satisfaction. Their service and coverage are top-notch and it best suited for my Hyundai car.

    By Sakshi Sah
    On: September 27, 2023
  • Excellent Support During Renew...

    The support I received from InsuranceDekho's team during my Digit Car Insurance Policy renewal was excellent. They answered my questions promptly and guided me through the process. Their dedication to customer service is commendable. Happy to have insured my for my Kia car from this amazing platform.

    By Manoj Tyagi
    On: September 25, 2023
  • Reliable and Dependable Claims...

    I had to file a claim for the Digit Car Insurance Policy that I undertook for my Skoda car and must say that InsuranceDekho has proven to be reliable and dependable in handling claims. They make the entire process stress-free.

    By Harsh Mehta
    On: September 21, 2023
  • Protection Against the Unexpec...

    InsuranceDekho's own damage coverage along with the Digit Car Insurance Policy provides essential protection against the unexpected for my Kia car. It's a safety net I can rely on.

    By Vihaan Chopra
    On: September 18, 2023
  • Excellent Support and Guidance

    The support and guidance provided by InsuranceDekho's premium calculator were excellent. It made the insurance selection process much easier for me. I finally bought the Digit Car Insurance Policy for my Skoda car after many comparisons.

    By Subodh Bhatt
    On: September 14, 2023
  • Transparent and Fair Claims Se...

    I bought the Digit Car Insurance Policy for my Hyundai car. And was happy to see that the claims settlement process with InsuranceDekho's zero depreciation policy was transparent and fair. They didn't leave any room for surprises.

    By Amal Ahmed
    On: September 12, 2023
  • Reliable Reminder System

    I appreciate the reliability of InsuranceDekho's renewal reminder system. I can trust that I'll be reminded well in advance to renew my Digit Car Insurance Policy for my Land Rover car.

    By Manas Chitkara
    On: September 5, 2023
  • Peace of Mind on the Road

    Knowing I have access to a network of Cashless Garages provided by InsuranceDekho gives me peace of mind while driving my Skoda car. I'm confident that help is just a call away if anything happens. I am so glad that I listened to my friend and purchased the Digit Car Insurance Policy.

    By Bhavna Bist
    On: September 1, 2023

414 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.