Digit Car Insurance Review

Digit car insurance is known for its quick and hassle-free self inspection and motor claims settlement process. The company has a wide range of cashless garages and it provides free pickup and drop facility with six-month’s repair guarantee. Digit’s policies also provide additional personal accident coverage for co-passengers other than the car owner at an additional cost.

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Digit Car Insurance

3.5

Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information.

Cashless Garages

5,800+

Zero Depreciation Cover

Available

Smartphone

Enabled Inspection

Cashless Garages

5,800+

Zero Depreciation Cover

Available

Smartphone

Enabled Inspection

Pros & Cons

• Doorstep pick-up and drop for repairs.
• 24*7 customer support.
• Quick and easy claim settlement process.
• Digital and paperless process.

• Basic services such as roadside assistance are not free.
• No coverage for general wear and tear.

• Facilitates instant car inspection and quick claim settlement process.
• A network of more than 5,800 cashless garages.
• Covers any damages and losses related to third-party vehicles or property, natural calamities such as floods, accidents and collisions, theft.
• No claim bonus for up to 50% with a claim-free year.
• Option to choose from seven add-on covers.
• The policies can be renewed for up to three years.
• Provides additional personal accident cover for co-passengers and paid driver
• Option to customize the insured declared value (IDV) of car as per insured’s choice and thus adjust the premium accordingly.
• Facility of doorstep pickup, repair and drop with six months warranty, only for repairs at Digit’s network garages.

Third-Party Insurance

Third-party insurance policy is mandatory coverage for any vehicle. This policy provides financial protection to the insured from any legal liability arising due to any loss or damage caused to third person or property up to INR 7.5 lakh. Third party car insurance does not come along with any add-ons; however, personal accident cover for owner-driver is included here. One can also not customize their premium with options such as from the vehicle’s insured declared value (IDV) or voluntary deductibles.

Comprehensive or Private Car Insurance

The comprehensive policy covers both third-party liabilities and own damage cover. Apart from third party liabilities, it also provides coverage for any damage arising due to accident or any man-made or natural calamities such as theft, fire, floods or landslide. The policyholder can also avail up to 50% discount on premium under no claim bonus (NCB) benefit.
The comprehensive policy also allows the policyholder to enhance the scope of coverage by adding any of the optional covers. The private policy is also available for three years, which ensures no hassle of yearly policy renewals.

Stand-alone Own-Damage Car Insurance

The own damage car policy covers the damages caused to the insured’s vehicle due to accidents such as fire, theft. In case of an accident, this policy compensates the insured for the costs related to repair or replace parts of their damaged car. The policyholder can also avail up to 50% discount on premium under NCB benefit. A policyholder already having a third-party car insurance can buy this policy to enhance the scope of coverage.

Digit car insurance provides seven add-ons which can be opted by the policyholder while buying the car policy at a nominal premium cost. The add-on covers are explained as follows:

Zero Depreciation Cover: This is also known as bumper to bumper cover which provides coverage for the entire value of repairs without any deduction for depreciation, in case of any damage to the vehicle. So, even if the car is old or partially depreciated, the insured gets the full claim value. This plan also covers repair and replacement costs of rubber, plastic and fiber components of the vehicle.

Return to Invoice: Provides the benefit of receiving back the amount of your car’s invoice value, which includes the cost of registering a new vehicle and its road tax.

Passenger Cover: This cover also provides financial protection to paid drivers and other co-passengers in case of any accidents.

Tyre Protection Cover: The insured gets the coverage for tyre bursts, bulges, puncture, cuts, accidental damage and more.

Consumable Cover: Coverage for consumables such as grease, nut and bolt, engine oil, break oil, among others.

Breakdown Assistance: With this add-on, the insured can call for mechanical assistance anytime in the hour of need. If one opts for the road-side assistance add-on, the policyholder can simply call their insurance provider and they will send mechanical assistance the right way. It also offers other services such as towing, refueling, when the vehicle is down in the middle of nowhere.

Engine and Gear-box Protection: Offers financial protection against any loss or damage of the engine and gear-box arising due to any sort of oil leakage, natural calamities or mechanical issues.

• In case of a third-party’s liabilities, own car damages will not be covered.
• Any claims due to incidents or accidents when the insured was intoxicated.
• Any loss or damages arising due to war or nuclear risk.
• Damages that happen when driving without a license.
• No coverage for the regular wear and tear because of aging and usage of a car.

• Duly filled and signed insurance proposal form.
• Identity proof such as PAN card, Aadhar card or passport.
• Address proof such as electricity bill/ration card or Aadhar card.
• A recent passport-sized photograph.
• Driving license.
• A copy of registration certificate or RC of the vehicle.
• Pollution certificate.

The Digit car insurance ensures the claims to be settled within the same day. The very simple and hassle-free three-step procedure helps the insured to initiate claims.

Step 1: Call the company at their toll-free number, no forms to be filled by the claimant.

Step 2: The insured receives the link for self-inspection on their registered mobile number, and then the damages gets uploaded from the insured’s smartphone via guided process.

Step 3: The insured is required to choose the mode of repair as per their choice, reimbursement or cashless through their network of garages.

Below are the steps to be followed to renew car insurance online instantly: ​

• On the company’s webpage, click on car insurance.
• Enter the details of the car and check insurance policy renewal quotes.
• Submit the details such as name, email, car’s registration number, insurance policy number, policy expiry, previous claim details.
• Select a car insurance renewal plan from the available options and the needful add-ons.
• If the policyholder had a claim-free previous year, then they are required to enter NCB.
• After filling in these required details, make the premium payment, and the car insurance policy will be renewed. ​​​

Forbes Advisor India have analyzed the Digit car insurance policies on the basis of the following five metrics:

• Type of policy coverage (30% of the score)
• Claim process (20% of the score)
• Insurance options (20% of the score)
• Cashless network garages (20% of the score)
• Ease of access (10% of the score)