Digit Insurance
Digit’s motor insurance offerings include digital-first features, simplified processes, and flexible coverage options that appeal to tech-savvy and convenience-focused policyholders.
Top rated plan
from 5 Insurance plans
Features
Copayment
Inclusion
Third party injury
Covers any injury/death caused due to accidents outside the vehicle
Third party property
Covers any damage/loss to third party property
Own damage
Covers repair/replacement costs of your vehicle damaged in an accident
Claim process
About
Founded in 2017, Go Digit General Insurance Limited is a leading digital-first general insurance company in India. Backed by Fairfax Financial Holdings, Go Digit has revolutionized the insurance landscape with its customer-centric and technology-driven approach. The company offers a wide range of insurance products, including motor, health, travel, home, and commercial insurance, designed to meet the diverse needs of its customers.
Headquartered in Bengaluru, Go Digit is led by its CEO, Jasleen Kohli, and is recognized for its innovative, simple, and transparent insurance solutions. With a strong focus on digital empowerment, Go Digit enables seamless policy purchases, claims, and renewals through its robust online platform, making it a preferred choice for modern-day customers in India.
The fine print
Download the full policy brochure
Motor Insurance
Features of Motor Insurance
Mandatory Compliance
Motor insurance is necessary to drive a car or a two-wheeler in India legally.
Digital-First Process
Paperless buying, renewal, and claim-filing options available via app or web
Third-Party Liability Coverage
Covers injury or property damage to third parties caused by the insured vehicle.
Own Damage Protection
Optional cover for damage to the insured’s vehicle from accidents, fire, or natural events.
Add-On Flexibility
Options such as zero depreciation, tyre protection, and breakdown assistance can be included.
Instant Policy Issuance
Quick issuance with minimal documentation is typically available with new-age insurance companies.
Categories of Motor Insurance
Car Insurance
Covers private four-wheelers against accidental damage, theft, third-party liabilities, and other risks. Comprehensive coverage with optional add-ons is used to enhance the coverage of the insurance policy.
Two-Wheeler Insurance
Protects motorcycles and scooters from on-road damage, theft, and disasters while ensuring legal compliance.
Commercial Vehicle Insurance
Designed for goods carriers, taxis, and fleet vehicles, this category provides coverage for damage and liability arising from business-related vehicle use.
Car Insurance
Covers private four-wheelers against accidental damage, theft, third-party liabilities, and other risks. Comprehensive coverage with optional add-ons is used to enhance the coverage of the insurance policy.
Two-Wheeler Insurance
Protects motorcycles and scooters from on-road damage, theft, and disasters while ensuring legal compliance.
Commercial Vehicle Insurance
Designed for goods carriers, taxis, and fleet vehicles, this category provides coverage for damage and liability arising from business-related vehicle use.
Type of Motor Insurance
Covers third-party injury, death, or property damage involving your vehicle
All vehicle owners (legally mandatory)
- Third-party bodily injury
- Third-party property damage and legal expenses
- Own vehicle damage
- Personal accident cover
Reasons to Buy Insurance
Mandatory by Law
Third-party motor insurance is a legal requirement for driving in India.
Protects Against High Repair Costs
Offers financial security in the event of damage, theft, or natural disasters.
Third-Party Liability Coverage
Covers injury or damage to others caused by your vehicle.
Own Damage Cover
Repairs or replaces your vehicle in the event of an accident or disaster.
Customizations via Add-Ons
Add-on features allow more tailored and relevant protection.
New-age insurance providers offer online
Digital Convenience: policy management, eliminating paperwork and reducing delays.
Things to Consider While Buying Motor Insurance
What Impacts Your Motor Insurance Premium?
Motor insurance premiums are affected by the vehicle’s type, usage, age, location, coverage selected, and additional riders chosen.
How to Buy Motor Insurance
Visit the Upstox website or app and enter your details.
Visit the Upstox Website or App
Visit the Upstox website or app and enter your details.
Enter Vehicle Details
Provide your vehicle's registration number, model, and other details.
Select Coverage Type
Choose between third-party, own-damage, or comprehensive coverage.
Compare Policies and Add-Ons
Evaluate available plans and select necessary add-ons like zero depreciation or roadside assistance.
Fill Out Personal Information
Enter your name, contact details, and nominee information.
Review and Make Payment
Carefully review the policy terms, conditions, and exclusions. Proceed with the payment.
Receive Policy Documents
After successful payment, the policy documents will be sent to you digitally for easy access.
How to File a Motor Insurance Claim?
You can file a claim in two primary ways: 1) Cashless Claim: At a network garage, where the insurer pays the garage directly, 2) Reimbursement Claim: You pay for the repairs, and the insurer reimburses later
FAQs
Is third-party motor insurance mandatory in India?
Yes, it's legally required for all vehicle owners under the Motor Vehicles Act.
What types of plans do digital-first insurers like Digit typically offer?
Options typically include third-party, own-damage, and comprehensive policies for cars and two-wheelers.
Can motor insurance policies be purchased fully online?
Yes, most insurers now offer complete online journeys for buying, renewing, and managing policies.
What are common add-ons with motor insurance plans?
Add-ons may include zero depreciation, engine cover, tyre protection, return-to-invoice, and roadside assistance.
How quickly can I receive a policy after buying it online?
In most cases, policies are issued instantly in digital format upon successful payment and verification.
What documents are needed to raise a claim?
Standard documents include the insurance policy, vehicle RC, driving license, claim form, and repair estimate.
Are cashless garages available under most plans?
Yes, most insurers provide access to wide networks of authorised garages for cashless repairs.
How is the premium calculated for motor insurance?
Premiums are based on factors like vehicle make, age, usage type, claim history, IDV, and add-ons.
What is the benefit of zero depreciation cover?
It ensures full claim settlement without factoring in depreciation on vehicle parts.
Is personal accident cover included?
Policies typically include personal accident cover for the owner-driver as per IRDAI guidelines.
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