Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Key Features:
  • Towing Assistance (Till 50 kms)
  • Repair Anywhere
  • 24x7 Assistance
  • Quick Claim Settlement

Calculate Your Car Insurance Premium Online

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

Have you made a insurance claim in the previous year?

Digit Standalone Own-Damage Car Insurance Policy

Digit General Insurance offers its customers a standalone own-damage cover. This takes care of the own-damage costs of the policyholder in case of a mishap. Moreover, the cover offers this compensation in a wide variety of situations including theft, vandalism, road accidents, fires, natural and manmade calamities. The standalone own-damage cover is not compulsory however, the protection it offers can make a significant difference in a time of crisis by offering financial stability.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance


Digit Third Party Insurance

Digit Standalone Own-Damage

Digit Comprehensive Insurance


This type of cover will take care of third party liabilities in the event of a mishap including bodily injuries, death and property damage. The maximum compensation offered for property damage with this cover is Rs 7.5 Lakh.

This type of cover takes care of the own-damage costs of the car in a wide variety of scenarios such as road accidents, theft etc. Additionally, the insurance provider offers NCB for claim-free years.

This type of insurance covers both third party liabilities and own-damage costs under a single premium. Optional personal accident cover is also offered. It is hassle-free and convenient.


Add-on covers cannot be purchased along with third party insurance.

There are a number of add-on covers are available with standalone own-damage covers.

There are several add-on covers offered along with comprehensive plans.


It is the cheapest type of car insurance policy available and provides basic coverage.

It is more expensive than third party insurance. This is because it offers better coverage.

It is the most expensive but offers wider coverage for both own-damage and third party liabilities under a single premium.

What is Covered Under Digit Standalone Own-Damage Policy?

The Digit standalone own-damage car insurance policy covers the following aspects:

  • Accidents that occur due to collisions while driving on the road
  • Fires or explosions that cause damage to the car
  • Car theft
  • Damages caused due to a natural or man-made calamity. Eg: floods

What is Not Covered Under Digit Standalone Own-Damage Policy?

The Digit standalone own-damage car insurance policy does not cover the following aspects:

  • Electrical or mechanical failures of the car
  • Any mishap that somehow involves illegal driving
  • General wear and tear of the car
  • Mishaps that happen outside the geographical limits of the country

Benefits of Digit Standalone Own-Damage Policy

The following are the benefits of purchasing standalone own-damage insurance from Digit:

  • It offers policyholders protection against a wide range of scenarios.
  • Policyholders are given No Claim Bonus as a reward for good driving habits every claim-free year.
  • You can purchase add-on covers to further strengthen your car insurance policy.

How To Purchase Digit Standalone Own-Damage Policy?

Here are the steps to follow:

Step 1: Visit our website InsuranceDekho and select the ‘car insurance’ tab. A drop down menu will appear select ‘Standalone Own Damage’ from the options visible.

Step 2: Enter the registration number of the car. If you do not have this information with you for some reason you can also enter the car’s make, model and year of registration.

Step 3: Next enter your personal details and select the ‘Submit and Get Quotes’ button.

Step 4: All the quotes for standalone own-damage covers in your category will be visible on the screen. Select the quote offered by Digit General Insurance and select any add-on covers you require as well.

Step 5: Make the payment for your Digit standalone own-damage car insurance policy and the insurance document will be sent to your registered email ID.

Must Read Articles before buying Digit Car Insurance

Digit Car Insurance User Reviews

Write your review
What users are saying
  • All
  • Own Damage
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • Quick and Efficient Claims Pro...

    When I bought the Digit Car Insurance Policy for my Ford car, I felt that InsuranceDekho's comprehensive insur...

    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 respons...

    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...

    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...

    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...

    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...

    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 insuran...

    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 ...

    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 ...

    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 whi...

    By Bhavna Bist
    On: September 1, 2023

414 Digit Cashless Garages in India

Insurance Products by Digit General Insurance

Digit Car Insurance Own-Damage FAQs

  • What are the various add-ons available with Digit Own Damage insurance?

    Some of the add-on covers available with Digit own damage insurance are as follows:

    • Engine and Gearbox Protection cover
    • Zero Depreciation Cover
    • Consumable Cover
    • Tyre Protect Cover
    • Passenger Cover
    • Return to invoice Cover
    • Breakdown Assistance
  • What all coverage does Digit Own Damage insurance offers to the policyholder?

    The own damage cover offers the following protection to the policyholder:

    • Theft, burglary and housebreaking
    • Accidental damages to the vehicle
    • Self ignition, implosions, lightning, fire, and explosions
    • Landslide, earthquakes and rockslides.
    • Riots, strikes, terrorism attacks, or malicious damage
    • Natural calamities such as typhoons, cyclones, floods, etc.
    • Vehicle transit by road, inland waterways, rail or air.
  • What all factors are responsible for Digit Own Damage Premium calculation?

    The premium is calculated based upon the following factors:

    • Insured declared value of the car
    • Cubic capacity of the engine
    • Geographical zone
    • Type, make and age of the insured car
  • Who is eligible to purchase Digit Own Damage insurance?

    Any individual who has an active and valid third party car insurance plan is allowed to purchase a standalone own damage insurance plan to ensure protection against damages or losses sustained by their own car due to any accident or mishap.

  • Is purchasing an Own Damage cover necessary?

    No, purchasing an own damage insurance cover for your car is not necessary. According to the Indian Motor Tariff Act, it is compulsory to purchase a valid third party insurance plan for all the vehicles driving on public roads in India.

must dotmust graphics

Why to buy from InsuranceDekho?

  • Instant policy # within 5 mins
  • More than 45 Lac happy customers
  • Claim Support available all 7 days of the week

Digit Car Insurance Contact Details

For any assistance or query, call us on:

Car Insurance News

Calculate your Car IDV

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