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Motor Insurance ReviewREXI Analysis 2026
Digit Car Insurance
The fastest-growing digital insurer with a simple claim process.
4.1/5(350 reviews)
Claim Ratio: 95.00% (FY 2023-24)
Overview
Digit Insurance (Go Digit) is a digital-first insurer known for its simple, paperless claim processes and very competitive pricing. It is a favorite among younger car owners who prefer mobile-app-based interactions over traditional paperwork.
IDV Flexibility
High — allows significant customization of IDV
Best For
Millennial car owners and tech-savvy users who want a hassle-free, app-based insurance experience with transparent pricing.
What We Like
- 100% paperless claim filing via mobile app
- Video-based self-inspection for quick claim approval
- Very competitive premiums for small and mid-segment cars
- Good bundles of common add-ons (Zero Dep + RTI + Engine Protection)
Watch Out For
- Physical network of garages in rural areas is still growing
- Customer support is mostly via chat/app — some may prefer calling
- Claim settlement ratio is slightly lower than old-guard private giants
Products Offered
Digit Car PolicyDigit TW PolicyCommercial Vehicle Insurance
Disclaimer: This review is based on publicly available information, IRDAI data, and REXI's policy analysis. Ratings are our editorial opinion. This is not financial advice — always read the full policy document before purchasing. Claim settlement ratios are sourced from IRDAI Annual Reports.