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A comprehensive insurance policy combines the advantages of both a standalone own-damage (SAOD) policy and a third-party policy. Since third-party insurance is mandatory, it is recommended that you choose a comprehensive policy to expand the coverage as it would include damages to your car as well in case of an accident. Digit is a leading innovator in developing and providing digital-based insurance. This page will discuss the process for purchasing Digit comprehensive car insurance, its main features, what is included, and what is excluded from the coverage.

How Does Digit Comprehensive Car Insurance Work?

If you have an accident that causes damage to your car and to a third party, the mandatory third-party policy will only cover the damages caused to the third party person or property by your car. On the other hand, a comprehensive policy will provide financial protection for damages to your own car as well. Comprehensive insurance, unlike third-party insurance, provides protection from unexpected financial losses such as accidents, natural and man made disasters, fires, or theft.

A comprehensive policy covers all the damages to your car as well as compensates for any damage caused to the third-party person or property. It completely covers all the areas of concern in case of an accident. It is a full coverage insurance for cars that offers the most extensive protection for your vehicle. Moreover, Digit’s Comprehensive Car Insurance allows you to personalise your policy by selecting from various add-on coverage options.

Key features of Digit Comprehensive Car Insurance

The key benefits of purchasing comprehensive car insurance from Digit are:

  • Complete Protection: When you have a comprehensive policy, you not only meet the legal requirement of buying a third-party policy, but you also get coverage to protect your car financially.
  • Cashless Garages: Digit has a network of 6000+ garages across India that allows for cashless claims which give a hassle free experience. These garages repair your car without upfront payment and are directly paid by Digit.
  • Protection From Disasters: Digit safeguards your car from damage caused by natural or man-made disasters such as fire, flood, riots, and more.
  • Customise Your IDV: With Digit you can customise your vehicles’ IDV.The amount you receive when your car is stolen or damaged beyond repair is called IDV (Insured Declared Value). Digit will pay you the IDV amount that was agreed upon when you purchased the policy. If you opt for zero depreciation cover, you will receive the original IDV without any depreciation.
  • Add-ons Available: You can choose from various additional covers such as roadside assistance, engine protection cover, and consumable covers to customise your comprehensive policy based on your specific requirements.
  • Smartphone Enabled Inspection: Complete the inspection process by taking pictures and videos of your car through your smartphone.
  • Super Fast Claims: Digit has successfully settled 96% of the claims of private cars.
  • 24x7 Customer Care: Digits’ dedicated customer support team is available to help throughout the year including national holidays.

How To Buy Digit Comprehensive Car Insurance?

When purchasing insurance, it's important to have certain documents with you, such as:

  1. Registration Certificate of your car.
  2. A government authorised ID to complete your KYC verification.
  3. Your driving licence

Purchase Digit Insurance Policy with InsuranceDekho

InsuranceDekho provides easy ways to compare and buy insurance both online and offline. Use the following instructions to buy Digit comprehensive car insurance:

Online Process

Step 1: Go to InsuranceDekho’s Website

Visit the official website of InsuranceDekho and click on car insurance.

Step 2: Fill details of your vehicle number e.g. DLXXABXXXX

As soon as you reach the car insurance page, a pop up window will appear. Input your vehicle number to continue and receive quotes from various insurers for your car.

You may need to provide the make, model, and variant of your car. Proceed to enter these details to ensure accuracy.

Step 3: Select the plan offered by Digit

All the quotes for your car insurance from various insurers will be shown to you. Make sure that you have chosen 'Comprehensive' in the 'Type' filter located at the top of the list of quotes. Thoroughly assess all the quotes before continuing. If it meets your needs, select Digit car insurance and proceed.

Step 4: Choose the desired Add-ons

Add the add-ons which suit your requirements.

Optional Step: Connect with An InsuranceDekho Advisor

You can ask for a callback by selecting the ‘Get a Call Back’ option. A representative from InsuranceDekho will give you a call and answer any questions or doubts you may have. They will also help you with the next steps.

Step 5: Complete your KYC process

Provide your Aadhar card or PAN card details in order to receive an OTP on your registered mobile number. Finalise the KYC verification by inputting the OTP.

Step 6: Verify your details

After your completion, a pre-filled form with your personal and car details will appear. It is crucial that you review the information and make any necessary changes as these details will be shown on your policy documents.

Step 7: Pay to complete the purchase

You're almost ready to buy the policy. Complete the payment using any online method such as UPI, debit/credit card, bank transfer, etc.

Once you receive the payment confirmation, you'll be able to track your policy and obtain policy documents.

Offline Process

For offline purchase of Digit comprehensive car insurance, call the InsuranceDekho customer care at 7551196989 or send an email to to request home assistance. Following this, a relationship manager will get in touch with you to arrange a home visit. During the visit, they will provide guidance throughout the entire process as well as insights of different policies

Our relationship managers are skilled in providing information and advantages of various insurance policies to help you make an informed decision.

Purchase Digit Insurance Policy via Insurer’s Website

The comprehensive car insurance can be bought from Digits' official mobile app or website.

Benefits of Buying Your Car Insurance from InsuranceDekho

When you choose to partner with InsuranceDekho for your car insurance, you receive the following benefits:

Dedicated Claim Support: We have a committed team of customer support available to provide any necessary assistance with your policy.

Comprehensive Offering: InsuraceDekho offers a wide range of essential insurance including car, health, life and term, travel, investment, and shops.

Trusted Brand: We belong to the renowned company 'Car Dekho', which has been a part of the automotive technology sector for over 15 years.

Vehicles Insured: It's safe to say that we are a reliable company as we have insured more than 5 million vehicles, and our 24/7 customer service is ready to help you in every way possible.

Efficient Assistance: Our customer support team ensures that all of your queries and concerns are addressed.

Certified Broker: InsuranceDekho has been recognized by IRDAI, and we have been operating in the field for over 8 years.

Documents Required to Buy Digit Comprehensive Car Insurance Policy

  1. You need a photo ID which is authorised by the government. It can be any of the following:
  • Passport
  • Driving licence
  • Aadhar
  • PAN card
  • Voter ID
  • Any other Government-issued photo ID
  1. A proof of address will also be required, which can be any of these:
  • Passport
  • Driving licence
  • Bank or post office passbook
  • Government-issued address proof
  • Driving licence
  • Your vehicle RC (Registration certificate)

All insurers do not require these documents during the purchase process, but during the claim process, these documents are required for the claim.

Digit Comprehensive Car Insurance Claim Process

The Digit mobile app offers an easy and effortless claim process. Just follow these steps:

Documents Required

Before you submit a claim, you need to organise your documents to avoid rejection of your claim due to incomplete documentation. Here is a list of the necessary documents:

  • Registration certificate of car
  • Copy of the driving licence of the person driving during the incident ( if applicable)
  • Receipt of payments made which is eligible for reimbursement
  • Policy certificate
  • Copy of FIR ( if applicable)
  • Original estimate of repair cost

How to File a Claim?

To file a claim with Digit using the Digit Mobile App, you can follow these easy steps.

  • Select the 'Register a Claim' option on your Digit mobile App or visit the Digit website.
  • Complete the information and submit the necessary documents.
  • Complete the survey using your mobile phone and the car will be picked up for repair once the claim has been approved.
  • Your car will be delivered back to you after the repair service is completed.
  • In cases of theft, the insurance company would hold the payment until the police provide a non-traceable certificate stating that the stolen car could not be traced.

Claim Assistance by InsuranceDekho

InsuranceDekho offers extra support for claims to help customers make sure they have correctly prepared documents, meet deadlines, and avoid anything that could lead to the claim being rejected. For claim support from InsuranceDekho, dial 7551196989 or send an email to

Digit Comprehensive Car Insurance Renewals and Cancellations

Customers have the option to renew or cancel their comprehensive car insurance. You can follow the given steps to renew or cancel your current policy.

Digit Car Insurance Policy Renewal

To renew the comprehensive car policy follow the given steps:

Online process

Step 1: Start by visiting InsuranceDekho's official website and select "Support" from the top bar.

Step 2: In the dropdown menu, find the "Renew Policy" tab, click on it, and proceed further.

Step 3: Enter your registered mobile number to receive the OTP, and then proceed by entering the OTP.

Step 4: Now you shall be able to view all your existing policies. Choose the Digit Comprehensive car insurance that you wish to renew, and you will see its details.

Step 5: Proceed to the renewal process by selecting "Renew".

Step 6: Complete the payment using any of the online methods to successfully renew your policy.

As an alternative option, you can also renew your Digit comprehensive car insurance via the Digit mobile app or the official website.

Offline process

If someone prefers the traditional offline method for renewing insurance, they have the option to do so by:

Call or Home Assistance by InsuranceDekho: You can ask for a call back from an InsuranceDekho representative who will assist you with the renewal process, or you can inquire about having a home visit from a relationship manager.

Visit the Insurer's Branch Office: Visiting the local branch office is available for any type of inquiry. Locate the address of the Digits branch office in your area by visiting the Digit website or contacting customer support.

Digit Car Insurance Policy Cancellation

Before starting the cancellation process for a comprehensive policy, it's important to remember a crucial step. Since a comprehensive car insurance policy includes both third-party coverage and coverage for own damage.

  • You can only cancel your ‘own damage’ policy from your comprehensive policy.
  • The third-party policy can not be cancelled but can be ported to another insurer.

According to the law, all vehicles are required to have third-party insurance. To meet legal requirements, you must buy alternative third-party insurance before canceling your existing comprehensive policy. This guarantees that your car remains insured without any breaks in coverage.

To cancel your comprehensive policy, contact InsuranceDekho customer service and send a letter or email requesting to cancel your existing comprehensive car insurance policy. You will need to provide the following documents as part of the process:

  • Copy of Identification document
  • Copy of Car's registration certificate
  • Policy documents
  • A formal letter or email requesting to cancel the policy
  • Proof of new third-party insurance purchase ( in case you wish to cancel third-party policy)

Upon submission of these documents, your policy will be terminated. You will be refunded in full for the cancellation of your third-party policy. However, a proportional amount will be subtracted from the refund of your own damage policy for the duration between the policy's purchase and cancellation.

Covered Vs Not Covered Under Digit Comprehensive Car Insurance

The car comprehensive policy includes the advantages of a standalone own damage policy and third-party policy. The following are the inclusions and exclusions in the Digit car comprehensive policy.


  • Damages due to accidents.
  • Damages due to natural calamities
  • Damages due to fire.
  • Damages due to theft.
  • Damages due to vandalism.
  • Damages caused during transit.
  • Legal liabilities due to injuries, death, or damage caused to a third party (person or property) by your vehicle.
  • Damages caused to parts that were protected by add-ons in your policy like engine protection.

Not Covered

  • Normal depreciation
  • Mechanical/electrical breakdown due to regular usage
  • Normal wear and tear
  • Damage caused while driving under the influence of drugs or alcohol.
  • Damage was caused while a driver without a licence was driving.
  • Indirect charges like towing charges.

Note that some coverage and exceptions might differ depending on the plan you select and any add-ons added to the policy. It's important to read carefully about the covered and non-covered segments of any policy.

Factors that Affect Your Comprehensive Car Insurance Premium?

The premium for comprehensive car insurance is the sum you pay to buy the comprehensive policy. The factors listed below impact the premium for your comprehensive car insurance.

  • Age of Vehicle: As a car gets older, the insurance premiums usually go down. This is because older cars are less expensive to repair. Moreover, the new cars with advanced technology and the latest features have comparatively much higher premiums.
  • No Claim Bonus (NCB): If you have not made any claims throughout your policy period, you get a discount on your next premium. The amount of No Claim Bonus (NCB) received is determined by the number of years you have insured your vehicle without any claims. Longer duration will have a higher bonus.
  • Add-ons: Additional covers such as roadside support and zero depreciation provide added advantages, but result in higher premiums as well.
  • Make, Model, Variant: Car insurance premium is significantly influenced by the make, model, and variant of your vehicle. Vehicles with powerful engines, such as sports and luxury cars, typically come with higher premiums.
  • IDV ( Insured Declared Value): The IDV is the estimated value of your car at the time of insurance renewal and has a big influence on the premium. Your car's market value, depreciation factor, and state have the most influence on your IDV. Digit allows you to customise your IDV.

How to Calculate Comprehensive Car Insurance Premium Online?

The premium calculator provided by InsuranceDekho allows you to review the insurance premiums for your vehicle offered by different insurers. The premium for your vehicle is determined by its registration year, make, model, and variant. To calculate your vehicle's premium online, follow the steps outlined below:

  • Go to the car premium calculator on the InsuranceDekho website.
  • The premium box that is calculated will appear on the right side of the screen. Provide the requested details and then click "check premium."
  • You will be provided with a list of insurers along with the premiums they are offering.
  • Make sure to choose "Plan Type" and then select "Comprehensive" to view quotes for the comprehensive policy.

InsuranceDekho Recommended Plan for Car

Here’s our recommendation on which policy type to buy for your car depending on the age of your vehicle:

Vehicle Age

Plan Type

Recommended Add-ons

0 Years (New Vehicle)

1 year Standalone Own Damage (SAOD) + 3 Years Third-party Damage

RTI + Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect, Key Protection

1-3 Years

Standalone Own Damage (SAOD)

Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect, Key Protection

4-5 Years

Comprehensive Plan

Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect

6-7 Years

Comprehensive Plan

Zero Depreciation, Consumable Protection, Roadside Assistance

8-10 Years

Comprehensive Plan

Basic Plan

More than 10 Years

Third Party Plan

No add-ons

Digit Comprehensive Car Insurance Support

Choosing InsuranceDekho as your trusted partner in purchasing comprehensive car insurance comes with extra advantages beyond the purchase of the policy. Even after your policy is active or has expired, InsuranceDekho provides support to its customers. If you need assistance with the claim settlement process or have any questions, feel free to reach out to our customer support team.

You can get in touch with Digit customer care by sending an email to

You can contact the InsuranceDekho customer support team by calling +91-7551196989;

Or write to us at

If you are not satisfied with the customer service's reply, you can contact the grievance redressal officer, Mr. Rohit Khurana at .

If you are not happy with how our grievance redressal officer has handled your concern, you have the option to raise the matter by sending a letter to the Principal Officer at For further information, go to our Grievance Redressal page.


  • Girnar Insurance Brokers Private Limited,
  • Plot no.301, Phase-2,
  • Udyog Vihar, Gurugram-122022,
  • Haryana, India

Must Read Articles before buying Digit Car Insurance

Digit Car Insurance User Reviews

Write your review
What users are saying
  • All
  • Comprehensive
  • Most Helpful
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • Theft Recovery

    My car was stolen from the office parking in the middle of the day. I instantly called the police and made my next call to Digit, whose car insurance I had purchased. They very calmly handled the conversation and guided me throughout the police complaint process. Unfortunately, police could not find my car and issued a non traceable certificate after which I got my claim from Digit. I'm thankful to InsuranceDekho for recommending Digit for its efficient working and sympathetic customer support.

    By Gulfisha Ahmed
    On: July 12, 2024
  • Convenient Process of Claim

    Switching to Digit is a decision that I'm very positive about. The whole experience of a digital platform is very impressive. Especially the document submission is very smooth. Thanks to InsurnaceDekho for recommending Digit insurance.

    By Maryam Warsi
    On: July 1, 2024
  • Excellent Grievance Redressal

    I was having some concerns over some details in the policy document. Upon contacting Digit customer service, they tried explaining it to me but I was not totally convinced and wanted a more detailed response. I further contacted the grievance redressal officer who addressed all my concerns in detail and gave considerable time to help me. InsuranceDekho had mentioned that Digit has a very nice customer query response which inclined me towards the insurer.

    By Jagteshwar Singh
    On: June 28, 2024
  • Benefits of Consumable covers

    My car had some mechanical issues and was taken by the insurer for repair. After repairing I had to pay nothing except the deductibles. Moreover, my consumable cover saved me the cost of the consumables required in repairing the car as well. Kudos to InsuanceDekho and their team for helping out in picking the best insurer. After claims with no issues, I'm sure I will keep buying policies from Digit Only.

    By Priyanshu Deshmukh
    On: June 28, 2024
  • Quality centric service

    I'm a critical thinker and I always scrutinise my decisions. In all honesty, I was very conscious about sending my car to a cashless garage. Somehow due to the very experienced and quality-centric customer service, I chose to get my car towed to a cashless garage. I must say I am very impressed with their work and I will be much more relaxed regarding that in future. Thanks to InsuranceDekho for finding Digit, a trustworthy quality quality-focused insurer.

    By Anshika Chawla
    On: June 27, 2024
  • Loss of Personal Belonging Cov...

    My laptop was stolen from my car and the window was broken while the car was in parking. I ran to the police and was weeping about my loss as I knew the chances of getting it back are very low. Thanks to Digit loss of personal belonging add-on with the comprehensive car insurance which covered my laptop and I recieved my claim along with the window getting replaced. Shout out to InsuranceDekho for suggesting Digit car insurance with the necessary add-on that made the experience less horrible.

    By Shrishti Damodar
    On: June 25, 2024
  • Broken window

    Some kids broke the window of my car while playing cricket. I intimated the claim and the process was very easy and did not take much time and my window was repaired in no time. I remember taking assistance from InsuranceDekho while choosing Digit for my car insurance.

    By Jaideep Singh
    On: June 24, 2024
  • Cashless Settlement

    I'm super happy with Digit car insurance, the claim settlement process is very smooth, especially the cashless approach. I didn’t have to pay anything at the garage and my car got repaired and they even washed it. Delighted, thanks to InsuranceDekho for the support in selecting the best policy

    By Azazil Haider
    On: June 20, 2024
  • Amazing user interface

    InsuranceDekho provided me with various options on insurance policies to choose my deal from. I chose GoDogit and I am thankful for it. One of the coolest thing about Digit is the mobile App UI which makes the operations very easy for the user to use. I had to make some changes to my policy document and I could do it without any guidance on how to use the app.

    By Madhav Shankar
    On: June 17, 2024
  • Easy NCB Transfer

    Switching to Digit car insurance is a good move. I did and I dont regret. My NCB was transferred easily and my premium sounds very justified. Thanks to InsuranceDekho for giving me a wider perspective.

    By Shreya Girotra
    On: June 13, 2024

414 Digit Cashless Garages in India

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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