How to File a Claim Easily with Digit Car Insurance? (2025 Expert Guide)
Car insurance is an essential part of responsible car ownership in India. It protects vehicle owners from financial loss due to accidents, theft, natural disasters, or third-party liabilities. Digit Car Insurance has emerged as one of the most trusted digital-first insurers in India, known for its hassle-free processes, transparent policies, and quick claim settlement. Filing a claim can sometimes feel daunting, but with the right guidance, Digit Car Insurance makes it smooth, fast, and convenient.
This guide explains the step-by-step process of filing a claim with Digit Car Insurance, the types of claims you can file, the documents required, and tips to ensure a hassle-free claim experience.
Understanding Digit Car Insurance
Digit Car Insurance is a modern, technology-driven insurer that focuses on providing customer-friendly services and digital solutions. Their policies cover both third-party liabilities and own-damage claims, making them suitable for a wide range of vehicles, from small hatchbacks to premium SUVs.
Key benefits of Digit Car Insurance include:
· Quick online purchase and renewal of policies
· Transparent claim process with minimal paperwork
· Competitive premiums for various car types
· Instant policy issuance and e-policy delivery
By choosing Digit Car Insurance, policyholders can enjoy convenience, reliability, and peace of mind, especially when it comes to filing claims.
Types of Claims with Digit Car Insurance
Digit Car Insurance supports various types of claims to cover different situations:
1. Own Damage Claims
This covers damages to your vehicle resulting from accidents, fire, natural disasters, theft, or vandalism.
2. Third-Party Liability Claims
Covers damages or injuries caused to another person, their vehicle, or property in an accident caused by your car.
3. Personal Accident Claims
Provides compensation for injuries or death of the driver or passengers as per the policy terms.
4. Add-On Claims
Digit also offers several add-ons, such as zero depreciation, roadside assistance, and engine protection, which can be claimed in specific scenarios.
Understanding which claim type applies to your situation helps ensure a smoother and faster settlement process.
Step-by-Step Guide to Filing a Claim with Digit Car Insurance
Digit Car Insurance has simplified the claim process to reduce stress and save time. Here’s a step-by-step guide to filing a claim:
Step 1: Intimate the Insurer Immediately
As soon as an accident or damage occurs, notify Digit Car Insurance. Early intimation is crucial for smooth processing. You can intimate via:
· Digit Car Insurance mobile app
· Official website
· Customer care hotline
Immediate reporting ensures your claim is acknowledged and reduces delays in inspection or approval.
Step 2: Document the Incident
Accurate documentation is vital. Collect and record:
· Accident photographs
· Vehicle condition after the incident
· Police reports, if applicable
· Names and contact details of third parties involved
Proper documentation helps avoid claim rejection and speeds up the settlement process.
Step 3: Submit Claim Request
Once the incident is documented, file the claim through Digit’s online platform or app. Provide details including:
· Policy number
· Vehicle registration details
· Description of the incident
· Supporting documents like FIR, photographs, or repair estimates
Digit Car Insurance’s digital-first system makes submission simple, eliminating unnecessary paperwork.
Read: Car Accident Claim Assistance in Frisco You're Probably Missing
Step 4: Claim Inspection
For own-damage claims, Digit may send an inspector to assess the damage. For minor claims, you may use Digit’s self-survey feature via the mobile app. The surveyor verifies the damages and approves the estimated repair costs.
Step 5: Approval and Repair
After inspection, Digit approves the claim. If your vehicle is taken to a cashless garage, the insurer directly settles the repair bills. This reduces out-of-pocket expenses and ensures you receive high-quality service.
Step 6: Claim Settlement
Once repairs are completed, any applicable deductible or excess is adjusted, and the remaining claim amount is processed. Payments for non-cashless claims are transferred directly to your bank account.
Tips to File a Digital Car Insurance Claim Without Hassle
1. Keep Policy Documents Handy
Always have your Digit Car Insurance policy number, registration details, and previous claim records ready. This speeds up the claim process.
2. Intimate Early
Notify Digit as soon as an accident or damage occurs to avoid delays.
3. Accurate Documentation
Take clear photographs and maintain detailed records of the incident. Proper documentation reduces the chances of claim rejection.
4. Use Cashless Garages
Digit’s cashless network ensures repairs are done without upfront payments and minimizes hassle during claim settlement.
5. Understand Policy Terms
Knowing coverage limits, deductibles, and exclusions helps you file the right claim type and manage expectations.
6. Follow Up Digitally
Digit Car Insurance allows you to track claims via the mobile app, website, or customer support, providing transparency throughout the process.
Common Scenarios and How Digit Handles Them
Minor Accidents
For scratches, dents, or minor collisions, Digit allows you to file claims through the self-survey feature. Photographs of the damage are enough for assessment, making the process quick and convenient.
Major Accidents
For major accidents involving significant damage, Digit may send an inspector for a detailed evaluation. Their claim settlement is efficient, ensuring minimal downtime for your vehicle.
Theft or Natural Disasters
Digit covers theft, fire, flood, storms, and other natural calamities under own-damage insurance. Immediate intimation and proper documentation are crucial in such cases.
Third-Party Liability
If you are involved in an accident affecting another person or property, Digit handles the third-party claim efficiently. The insurer liaises with the other party and ensures compliance with legal requirements.
Advantages of Filing a Claim with Digit Car Insurance
· Fast and digital-first process
· Minimal paperwork and hassle
· Access to a cashless garage network
· Quick claim approvals with clear communication
· Transparent tracking of claim status
Digit Car Insurance ensures policyholders feel supported throughout the process, whether it’s a minor scratch or a major accident.
Conclusion
Filing a claim with Digit Car Insurance is designed to be smooth, fast, and stress-free. By understanding the types of claims, notifying the insurer promptly, maintaining accurate documentation, and leveraging Digit’s digital tools, car owners can ensure quick claim settlement.
Digit Car Insurance’s customer-friendly approach, cashless garage network, and transparent processes make it one of the most reliable choices for Indian car owners in 2025. Following the expert steps outlined in this guide will help you file claims confidently and keep your vehicle protected without unnecessary complications.
Frequently Asked Questions
Q.1. How can I file a claim with Digit Car Insurance?
You can file a claim online via the Digit Car Insurance mobile app, official website, or by calling the customer care hotline. Immediate intimation ensures faster processing.
Q.2. What is a cashless garage, and does Digit offer it?
A cashless garage allows repairs without upfront payment. Digit directly settles the repair bill with the garage, making the claim process convenient and stress-free.
Q.3. Can I track my claim online?
Yes, Digit Car Insurance provides real-time claim tracking through their mobile app and website, keeping you informed about the status at every step.
Q.4. How long does Digit take to settle a claim?
Settlement timelines vary depending on claim type and documentation, but minor claims are often approved within a few days, while major claims may take longer after inspection.
Q.5. Is immediate notification of the incident necessary?
Yes. Promptly informing Digit about the accident or damage ensures smoother processing and reduces the risk of claim rejection.