Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Car insurance starting from Rs. 2072/year*
  • Save upto 75%*
    Lowest Car Premiums
  • 11.5 Lakh+
    Happy Customers
  • Claim Support
    7 days a week

*TP price for less than 1000cc four-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Digit Own Damage Car Insurance

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

    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

    Basis

    Digit Third Party Insurance

    Digit Standalone Own-Damage

    Digit Comprehensive Insurance

    Coverage

    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-ons

    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.

    Cost

    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.

    Calculate Your Car Insurance

    Select your car's brand
    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    Which city is your car registered in?
    • Ahmedabad
    • Bangalore
    • 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

    Write your review
    What users are saying
    • All
    • Most Helpful
    • Compare
    • Price
    • Cashless Garages
    • Comprehensive
    • Claim
    • Renew
    • Premium
    • Add On
    • 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 ...

      Read More
      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 ...

      Read More
      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 ...

      Read More
      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. ...

      Read More
      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,...

      Read More
      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 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

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