Motor Insurance
What is Motor Insurance?
Motor Insurance is a comprehensive financial safety net designed to protect your vehicle—be it a car,
bike, or commercial truck—from a wide range of risks. Beyond just fulfilling the mandatory legal
requirement for third-party liability, a robust motor insurance policy safeguards your investment
against the high costs of repairs resulting from accidents, fire, theft, and natural disasters.
In the event of an unfortunate collision or damage, DigiAssure ensures that you aren't burdened by
astronomical garage bills. Our plans provide access to a massive network of cashless repair centers,
24/7 roadside assistance, and specialized add-ons that ensure your vehicle is restored to its original
glory. With DigiAssure, you don't just buy a policy; you gain a reliable road partner that's with you
every kilometer of your journey.
Why Choose DigiAssure Motor Cover?
1. Comprehensive Financial Protection
Covers not just third-party liabilities but also extensive 'Own Damage' to your vehicle due to accidents, fire, theft, or natural calamities.
2. Massive Cashless Garage Network
Get your vehicle repaired at thousands of authorized network garages across the country without paying out-of-pocket for covered damages.
3. Personal Accident Security
Provides a mandatory financial shield of up to ₹15 Lakhs for the owner-driver in case of accidental death or permanent total disability.
4. Seamless Digital Claims
Experience a stress-free claim process with our digital platform, featuring instant video inspections and rapid settlement timelines.
Key Features of Our Plans
Own Damage Cover
Protection for your vehicle against accidental damage, fire, explosion, and lightning-related incidents.
Third-Party Liability
Mandatory legal protection against financial liabilities arising from death, bodily injury, or property damage to others.
Roadside Assistance
24/7 emergency support for towing, fuel delivery, flat-tire changes, and minor mechanical repairs anywhere on the road.
No Claim Bonus (NCB)
Earn significant discounts (up to 50%) on your renewal premiums for every claim-free year you maintain.
IDV Customization
Choose the right Insured Declared Value (IDV) that reflects the true market value of your vehicle for maximum protection.
Zero Dep Cover
Optional add-on that ensures full cost of parts replacement (plastic/metal) without any deduction for depreciation.
Comprehensive vs Third-Party
Understand the difference between mandatory law and total protection.
| Feature | Comprehensive Plan | Third-Party Only |
|---|---|---|
| Legal Compliance | Yes | Yes |
| Third-Party Liabilities | Unlimited Cover | Unlimited Cover |
| Damage to Own Vehicle | Fully Covered | Not Covered |
| Theft & Fire | Fully Covered | Not Covered |
| Natural Disasters | Fully Covered | Not Covered |
| Add-on Eligibility | Yes (Zero Dep, etc.) | No |
| No Claim Bonus (NCB) | Available | No |
Coverage Details
Know exactly what's protected when you hit the road.
What we Cover
Standard protections in a comprehensive plan:
- Accidental External Damage
- Theft, Burglary & Housebreaking
- Fire, Explosion & Self-Ignition
- Natural Perils (Flood, Earthquake)
- Third-party Death or Bodily Injury
- Third-party Property Damage (to 7.5L)
Common Exclusions
Standard policy exclusions:
- Mechanical or Electrical breakdown
- Driving without a valid License
- Driving under influence of alcohol/drugs
- Damage outside geographic boundaries
- Using private vehicle for commercial use
- General wear and tear of parts
Valuable Add-Ons
Enhance your policy for absolute peace of mind.
Zero Depreciation Cover
Ensures you get the full claim amount without any deduction for depreciation on plastic, fiber, and rubber parts. Highly recommended for new vehicles.
Engine Protection Cover
Protects against expensive repairs to your engine and gearbox due to water ingression (hydrostatic lock) or oil leakage, which are excluded in base plans.
Return to Invoice (RTI)
In case of total loss or theft, RTI ensures you receive the full original on-road price of the vehicle, including taxes and registration fees.
Consumables Cover
Covers the cost of items like engine oil, gear oil, nuts, bolts, and washers which are typically excluded during a claim settlement.
Factors Affecting Your Premium
Understand how your motor premium is calculated.
1. Vehicle Make & Model
High-end luxury vehicles or performance motorcycles have higher repair costs and thus higher premiums compared to budget models.
2. Age of Vehicle (IDV)
As your vehicle ages, its market value (IDV) decreases, which reduces the 'Own Damage' portion of the premium.
3. Geographic Location (RTO)
Vehicles registered in Zone A (Metros like Mumbai, Delhi) face higher premiums due to higher traffic density and risk compared to Zone B.
4. No Claim Bonus (NCB)
Your cumulative discount for claim-free years can reduce your OD premium by up to 50%.
5. Choice of Add-ons
Selecting premium add-ons like Zero Dep or Engine Cover will increase the total premium but provide superior protection.
Documents Required
Simplified documentation for instant policy issuance.
Vehicle Details
- Registration Certificate (RC) copy
- Engine & Chassis numbers
- Invoice (for new vehicles only)
Owner/Driver Details
- Valid Driving License (DL)
- Aadhar Card / Voter ID
- Contact Details & Email
Previous Insurance
- Previous Policy Schedule (if renewing)
- Evidence of NCB earned (from previous insurer)
- Last claim history (if any)
Inspection Photos
- Required only if policy has expired
- Upload 4-6 clear photos via our mobile app
- Video inspection for instant approval
Motor Claim Process
Getting you back on the road, faster than ever.
Incident Recording
Take photos of the accident spot and the damage to both vehicles. For theft or third-party injury, file an FIR immediately.
Intimate DigiAssure
Notify us immediately via our 24/7 helpline or mobile app to register your claim and get a reference number.
Garage Selection
Select a garage from our network for cashless repairs or choose your own for a reimbursement claim.
Survey & Assessment
A surveyor will inspect your vehicle at the garage within 24 hours. Digital video survey is available for minor damages.
Approval
Once the survey report is reviewed, we send a formal approval to the garage to start the repair process.
Repair & QC
The garage completes the repairs. A final quality check is conducted by the surveyor for major accidents.
Document Submission
Submit the signed claim form and any required original bills (for non-cashless) via our digital portal.
Settlement
For cashless, we pay the garage directly. For reimbursement, the amount is credited to your bank account within 3 working days.
Frequently Asked Questions
Common motor insurance queries answered.
What is IDV?
IDV stands for Insured Declared Value. It is the maximum sum insured that the insurer will pay in case of total loss or theft of the vehicle. It is calculated based on the manufacturer's selling price minus depreciation.
What is No Claim Bonus (NCB)?
NCB is a reward for not making any claims during the policy year. It accumulates every year (20%, 25%, 35%, 45%, up to 50%) and provides a significant discount on the Own Damage premium.
Can I transfer my NCB from another insurer?
Yes, NCB is a reward for the driver/owner, not the vehicle. If you switch to DigiAssure or buy a new car, you can transfer your earned NCB and get a massive discount on your new policy.
Is Zero Dep cover mandatory?
No, it is an optional add-on. However, it is highly recommended for vehicles less than 5 years old as it saves you from paying the 30-50% depreciation cost on parts during a claim.
What happens if my policy expires?
If your policy expires, your vehicle is no longer protected. A physical or video inspection is mandatory for renewal. If the gap is more than 90 days, you will also lose your earned No Claim Bonus (NCB).
Does it cover my car if a friend was driving?
Yes, as long as the person driving had a valid driving license at the time of the accident and was not under the influence of alcohol or drugs.