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Digit Comprehensive Car Insurance

According to the Motor Vehicles Act of 1988, all cars operating on Indian roads are required to have third-party car insurance at a minimum. However, standalone third-party insurance does not do much to protect your own vehicle from harm caused by any natural or man-made disasters. As per the reports from the Ministry of Road Transport and Highways, over 9 lakh road accidents occurred in India over the course of the previous two years. Considering comprehensive car insurance, which offers your car 360-degree protection throughout its lifetime, is prudent given this horrifying statistic. In order to fully protect your finances, it is therefore imperative for customers to buy the right insurance, i.e., Digit comprehensive car insurance, which would also be the best option to protect your car in case of any mishap. 

Digit comprehensive car insurance offers insurance coverage for the insured vehicle for damage/loss sustained by it in any road accident, man-made or natural calamity, theft or any other mishap along with the third party liabilities (both life and property). With 6000+ Cashless Network Garages for you to choose from across India, you will have a multitude of options to take your vehicle to and get it repaired without any difficulty. The major highlight of comprehensive car insurance by Digit is complete in itself. However, if you want to customize it, you can choose to add more covers. With Digit comprehensive car insurance, you can customize your insurance further with a range of add-on covers such as zero depreciation cover, return to invoice, breakdown assistance, and many more.

Key Features and Benefits of Comprehensive Car Insurance by Digit

Following are the benefits you avail yourself when you purchase the Digit comprehensive car insurance:


The comprehensive car insurance by Digit extends financial protection to third-party losses as well as all types of accidents.


Your vehicle is covered by the Digit comprehensive car insurance if it sustains any damage as a result of vandalism or actual theft.


You may file an insurance claim if your car suffers losses due to a fire or intentional burning.

Natural/Man-made Disasters:

You are entitled to file an insurance claim if your car is damaged by an unforeseeable natural or man-made disaster, such as an earthquake, flood, riot, or cyclone.

Personal Accident:

You are fully protected financially if your negligence results in an accident that damages your vehicle or causes personal injury.

Third-Party Losses:

Digit comprehensive car insurance offers them financial protection if a third party sustains any physical harm or vehicle damage.

Types of Add-ons Covers Under the Digit Comprehensive Car Insurance

Here are the additional coverage options that come with Digit Comprehensive Car Insurance. Let’s discuss them in detail!

Zero Depreciation Cover:

Since depreciation is subtracted from the claim amount, the full cost of replacement is not provided when a vehicle is damaged. However, the customer will receive the full cost of the provided repair or replacement under this Zero Depreciation cover. For cars that are no older than five years, this is an ideal choice.

Return To Invoice:

If the car is stolen or severely damaged, Return to Invoice will allow the customer to receive the vehicle’s ex-showroom price or last invoice value. The difference between the IDV and the car’s invoice value is filled by a return to the invoice. Due to depreciation that happens over time, IDV is less than the invoice value.

Engine and Gear-Box Protection:

Engine damage is not covered by comprehensive car insurance by Digit unless it happens concurrently with the accident. Consequential engine damage will be covered with this addition. This add-on will pay for repairs, for instance, if a customer’s car is rough-housing towed and the engine or gearbox is damaged.

Breakdown Assistance Cover:

This add-on offers roadside assistance for one’s vehicle around the clock up to 500 kilometres from the city. It addresses issues like a flat tyre or battery, minor repairs, lodging benefits, medical coordination, legal support, and towing services.

Tyre Protect Cover:

This add-on addresses frequent circumstances where an accident only damages the tyre, not the car. It covers situations like tyre bursts, bulges, or cuts that render the tyre unusable.

Engine & Gearbox Protection:

Without this coverage, the Digit comprehensive car insurance only pays for engine or gearbox damage that results from an accident. With this add-on coverage, your engine and gearbox are covered in all scenarios.

Passenger Cover:

In the event of an accident, this add-on provides the insured private car’s driver with total financial support. This means that if you are the one driving the car in question, your family is eligible to receive the insured amount from the insurer in the event of your permanent disability or death as a result of the accident.

What is Not Included Under the Digit Comprehensive Car Insurance?

Listed below are the things not included under the Digit Comprehensive Car Insurance.

Driving Drunk:

Any claims made while you were intoxicated and driving won’t be taken into account.

Driving without a License:

If you are operating a vehicle without a valid driver’s licence, you cannot make any claims. 

Add-ons Not Bought:

This should be fairly obvious, right? You cannot benefit from an add-on if you haven’t purchased it!

Consequential Damages:

Damages that occur as a result of the accident are called consequential damages. Such damages cannot be covered unless they are included in an add-on. 

Contributory Negligence:

Simply put, don’t take actions that you shouldn’t! For instance, don’t risk it and drive out if there are floods in your city. Pay attention to your owner’s manual because such negligence cannot be excused! 

Driving without a valid License Holder:

Driving with a person who has a valid licence is required if you only have a learner’s permit. If not, your comprehensive car insurance by Digit will not protect you. 

Buying Process of Digit Comprehensive Car Insurance

Third-party car insurance is required by law. This insurance, however, is insufficient to shield your car from harm. A TP insurance, for instance, would not be sufficient if your car caught fire. Therefore, choosing comprehensive car insurance is recommended.

Additionally, it’s common for your vehicle to sustain damage in India due to traffic jams, poor road management, and reckless driving. For this, one must pay a respectable sum of money at each level of repair and safety. Because of this, the Motor Vehicles Act of 1988 in India mandates that you insure your vehicle to protect yourself from financial harm. According to the law, third-party liability insurance is required to be carried by every vehicle on the road as a minimum level of security. If you are looking to buy Digit Comprehensive Car Insurance, then listed below are the steps to follow.

  • Go to the official website of Go Digit.
  • Then, on the top, you will see the “Products” section. After that, under “Motor”, click on “Car Insurance”.
  • In the next step, you’ll see a box on the right-hand side, asking you to enter “Registration Number” and “Mobile Number”. Once you are done entering all the details, you need to click on “View Prices”.
  • Then, you will need to select the expiry date of your insurance.
  • After that, you will see the “Premium Amount” that you will need to pay. Furthermore, you can select “Extra Coverage” if you want. Then, when you scroll down below, you will need to click on the “Continue” Button.
  • The moment you click on the continue button, your vehicle details will be displayed. Then, you will need to click on “Confirm & Continue”.
  • In the next step, you will see the “Owner Details” along with “Vehicle Owner Name”, PIN Code, and Email ID. When you scroll down a bit, you will need to click on “Pay Now”.
  • Then, you will need to make a payment using a debit or credit card to continue with the buying process.
  • Once you have made the payment, you will receive the confirmation message on your email ID and your mobile number.

Know the Claim Settlement Process of Digit Comprehensive Car Insurance

Listed below is the complete claim process for Digit Comprehensive Car Insurance.

Intimation & Acceptance of a Claim:

In the first step, after the accident, the customer must notify Go Digit as soon as possible and not waste any time. Contacting customer service is free and can be done at 1800 258 5956. A self-inspection link will be sent to your registered mobile number after your claim proposal is approved.


The process of self-inspection is very simple. Once you click the link, all you have to do is follow the instructions to use your smartphone to take the necessary pictures of the vehicle’s damages.

Assessment and Documentation:

The Digit team will determine the damage through the images you sent during the self-inspection and estimate the costs and, consequently, the amount of your claim.

Repair and Claim Settlement:

The customer can get repairs made at 6000+ Digit-affiliated garages located all over India. Only the deductibles will be his responsibility in this case; the insurance will cover all other costs. In the event of reimbursement, the customer may take their car to any shop and later submit the original receipts for payment to their respective insurance provider. The business will pay the claimed amount in full.

How To Renew Digit Comprehensive Car Insurance?

Car insurance doesn’t last a lifetime. It has a date of expiration. The majority of the insurance products are yearly contracts. The Insurance Regulatory and Development Body of India is constantly introducing new regulations, some of which may last less than a year and others which may last longer. However, even they have a set expiration date. The contract expires when the insurance does. Thus, to keep the insurance valid, you need to renew the comprehensive car insurance by Digit.

Listed below are the tips to renew your Digit Comprehensive Car Insurance.

  • Visit the official website of Go Digit.
  • On the top, you will see the “Renewals” section. Click on it.
  • After that, you will see a box asking you to enter your mobile number. After entering it, you will need to click on the “Continue” button.
  • In the next step, you will see the “details” along with your vehicle and your personal information.
  • To renew it, simply make the payment using your debit/credit card or Net banking. Once you have made the payment, a renewal message will be sent to your mobile number and email ID.

Frequently Asked Questions

No, every vehicle owner must have their vehicles insured with at least a third-party liability-only insurance, as per the Indian Motor Tariff 2002. Although it is a recommended one, a comprehensive cover is not required because it also covers third-party liabilities.

Yes, there are additional costs associated with using the add-ons to regular insurance.

Only the insured vehicle and third-party liabilities are covered by the Digit Comprehensive Car Insurance in the event of an accident or other incident. The Digit passenger cover add-on, which offers insurance against a fee, can be purchased to obtain coverage for unnamed passengers.

The following documents must be presented to the insurance provider, i.e. Go Digit to file an insurance claim.

  • Duly filled and signed claim form
  • DL (Driver’s license)
  • Copy of FIR (if required)
  • RC (registration certificate) of the vehicle
  • Comprehensive Car Insurance
  • Original bills and receipts in case of reimbursement