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Top Digit Car Insurance Plans

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

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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?

About Digit General Insurance

Also known as Go Digit, Digit Insurance is a top insurance company in India. It was founded in the year 2016 and since then it has been catering to the different needs of its customers. The company is also among the most preferred companies when buying car insurance plans. Moreover, with a claim settlement ratio of 96%, Digit Car Insurance is a reliable name for settling car insurance claims.

Things to Know About Digit Car Insurance



No. of network garages


Claim Settlement Ratio


Founding year


Claim Assistance

24*7 Claim Assistance

No. of add-ons


Personal Accident Cover

Up to Rs. 15 Lakh

Eligibility for Buying Digit Car Insurance

Before planning to buy Digit Car Insurance, you must ensure to check whether your car is registered with the nearest Regional Transport Office or RTO. However, to buy a Digit car insurance plan, you must have valid documents such as car registration papers.

Reasons to Buy Car Insurance with Digit Insurance

Here are some of the benefits of buying Digit car insurance plans:

  • With Digit car insurance, policyholders can get 24*7 claim assistance support. Whenever they have any claim-related queries, they can get their claims settled without any hassles.
  • Digit car insurance has different types of car insurance plans such as third-party car insurance, comprehensive car insurance, and standalone car insurance.
  • At over 6000 network garages, policyholders can get their car repaired without spending any money with Digit Car Insurance.
  • With Digit Car Insurance, policyholders can customise their vehicle’s IDV as per their choice.
  • Digit Car has the option of over 10 add-ons and with these add-ons, policyholders can get the benefits of their car insurance policy enhanced.
  • Digit Insurance also lets policyholders to complete self-inspection process in a few clicks.

Types of Digit Car Insurance Plans

There are three different types of car insurance plans that you can buy with Digit: Standalone Own Damage Car Insurance, Third-party Car Insurance, and Comprehensive Car Insurance. All of these plans offer different kinds of coverage at different premiums. So, here are some of the notable differences between Digit’s Standalone, Comprehensive, and Third-party car insurance.


ICICI Lombard Third Party Insurance

ICICI Lombard Standalone Own-Damage

ICICI Lombard Standalone Own-Damage


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 most affordable of all the car insurance types.

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.

Coverage in Digit Car Insurance

With Digit car insurance plans, you can enjoy the following types of coverage:

  • Any damage or loss to the car due to any mishap
  • If the insured car is lost or stolen
  • Any damage to the car due to an outbreak of fire or any other event
  • In case of a personal accident, if the owner passes away, then financial compensation is given
  • Any loss or damage to a third-party

Exclusions in Digit Car Insurance

Listed below are the exclusions in Digit car insurance:

  • Driving under the influence of alcohol or drugs
  • Driving without a valid driving license and other policy documents
  • Any kind of damage to the car due to negligence is not covered

List of Add-ons Available with Digit Car Insurance

There are several add-ons that you can include in your Digit car insurance plan to further enhance its benefits. So, here is a list of add-ons available with Digit car insurance plans:

Benefits of Car Insurance

A car insurance is a must-have to legally drive on the Indian roads. This is because car insurance has umpteen benefits such as those listed below:

  • The number of road accidents is only increasing with each day. And with car insurance, policyholders can ensure much-needed protection for their car against any damage due to an accident.
  • With a third-party car insurance plan, policyholders can also stay financially protected if the insured cause any damage to a third-party
  • Having car insurance also ensures peace of mind. When you have a car insurance plan, you can easily get your insured car repaired with Digit Insurance.

Why Should You Buy Car Insurance Online?

Listed below are the compelling reasons why you should buy car insurance plans online:

  • Buying car insurance online is not only hassle-free but also quick. You can buy car insurance plans online in a matter of a few minutes.
  • When you buy car insurance plans online, you can easily customise the car insurance plan as per your needs. You can even customise the IDV during the same.
  • There is very minimal paperwork required when you choose to buy car insurance online. Just submit a few documents and get car insurance in a few clicks.
  • The online process of buying car insurance is very transparent as there is no involvement of a third-party or an agent.

Claim Process with Digit Insurance

There are two types of claims that you can raise with Digit Insurance. In a cashless claim, policyholders can get their car repaired at a network garage without spending any money. On the other hand, in a reimbursement claim, policyholders need to first spend out of their pocket and then the insurance company, here Digit will reimburse for all the damages.

Now, in order to raise claims with Digit Insurance, you need to follow the given steps:

  • Inform Digit Insurance about the incident that led to damage to your car
  • To start with the claim process, Digit Insurance will send a surveyor to assess the total damage
  • Then, once the surveyor sends the report to Digit, the claim process will get started
  • In case of cashless claims, Digit will directly settle the bills at a network garage and in case of reimbursement claims, it will reimburse the claim amount to the policyholder.

Tips to Buy the Right Car Insurance

Buying car insurance can become a daunting task if you miss several key points. Here are some of the tips that you must remember to buy the right car insurance plan:

  • Claim Settlement Ratio: The claim settlement ratio indicates the insurer’s efficiency in getting claims settled. Thus, always buy car insurance with a company that has a high claim settlement ratio.
  • Car Insurance Premium: You must never buy a car insurance plan just because it has a lower premium. Instead, you must buy a plan that best suits both your budget and requirements.
  • Number of Network Garages: Network or cashless garages are those where policyholders can get their insured car repaired in a cashless manner. The higher the number of network garages, the more beneficial it is for policyholders.
  • Add-ons: You must always check whether you can include add-ons in your plan or not. Add-ons help you enhance and customise the car insurance plan as per your needs.
  • Car Insurance Types: You must first understand the different types of car insurance plans and accordingly buy the right one for your car. To ensure complete protection, you must buy Comprehensive Car insurance.

How to Lower Car Insurance Premium?

There are a number of ways in which you can reduce car insurance premiums. Scroll through the section to learn more:

  • Having a good driving record helps you get car insurance at affordable premiums
  • You can increase voluntary deductibles to get the car insurance premium lowered
  • You should avoid raising car insurance claims for minor damages. This will help you save on car insurance premiums.

How to Renew Car Insurance with Digit?

Listed below are the steps to follow to renew car insurance with Digit Insurance:

  • Enter details like car registration number, city, model, and other details. Then, click on ‘get quote’
  • Click on a desired plan type and also enter details of the previous plan like its expiry date
  • You will then be able to view quotes and also select necessary add-ons
  • Finally, make the premium payment and then the car insurance plan will get renewed

414 Digit Cashless Garages in India

Digit Car Insurance User Reviews

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What users are saying
  • All
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • 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 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

Digit Car Insurance FAQs

  • What is No Claim Bonus?

    No Claim Bonus (NCB) is basically a discount which is awarded to a policyholder by the insurer for making zero or no claims during the full policy term. NCB can also be accumulated over the years and the discount varies from 20% to 50% based on the damage premium.

  • Will Digit Car Insurance transfer my NCB when I shift from my previous car insurer?

    Yes, you can transfer No Claim Bonus (NCB) from your previous car insurer to Digit General Insurance.

  • Will I be able to select a garage of my choice for repairs?

    Digit car insurance policyholders are allowed to choose a garage as per their choice. In case you choose a workshop outside the Digit garage network, you will be provided with an advance to meet the repair expenses so that you need not raise a claim reimbursement.

  • At how many garages does Digit provide cashless claim settlement service?

    Digit General Insurance has more than 1,000 network garages at its disposal where you can enjoy the benefit of cashless claim settlement.

  • What all documents do I need at the time of policy purchase or renewal?

    You will not have to submit any documents as Digit has a zero paperwork policy during both the purchase as well as renewal of the policy. You just need to fill in the vehicle details such as the model, variant, registration number of the car etc. at the time of purchase and your previous policy details at the time of renewal. For these details you can refer to your car’s registration certificate (RC) and previous policy document.

Digit Policy Wording Document Download

  • 2.0 MB
  • PDF Document
  • April 10,2019

Car Insurance News


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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.