Digit Insurance review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Digit Insurance suits Indian households and vehicle owners who want auto, motorcycle, health, home, travel and life cover from a single insurer. It is an insurer rather than a broker, licensed by 158, and two-wheeler cover starts at INR 714 for the same company that settles claims.
Key facts
- Best for
- Households in India bundling personal lines in a single app
- Premium from
- ₹714↗
- Insurance types
- Auto, Motorcycle, Health, Home, Travel, Life↗
- Provider type
- Insurer↗
- Cover limit
- Travel medical treatment and evacuation: USD 50,000 to 500,000 (Smart and Smart 360 plans)↗
- Claims channels
- App, Web, Phone, Email, Whatsapp↗
- Legal entity
- Go Digit General Insurance Limited, CIN L66010PN2016PLC167410↗
- Headquarters
- India↗
- Founded
- 2017↗
- Support channels
- Phone, Email, Chat↗
- Audience
- Seniors
- Official website
- godigit.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- LinkedInXgodigit.com
Pros and cons
Pros
- A single insurer covering auto, motorcycle and health for the whole household
- Claims can be raised by app, web and phone, so a loss is easy to report
- Support runs on phone, email and chat from the same company
Cons
- Headquartered in India, so the cover sits outside the UK and Europe
- Travel cover limits are quoted on named plan tiers, so the ceiling on treatment and evacuation depends on the plan held
- Support runs on phone, email and chat, a narrower set of routes than the ways a claim can be raised through app, web and phone
Who it suits
- Indian households wanting motor and non-motor cover in the same place
- Older riders, the audience listed in seniors
- Two-wheeler owners weighing a starting premium of INR 714
Who should look elsewhere
- Shoppers in the UK or Europe, since the insurer is headquartered in India and licensed there
- Anyone after a broker to shop the whole market, as Digit Insurance is an insurer rather than a comparison service
- Savings and life investors weighing linxea, bunq or bunq Spain, whose products sit in a different market from this insurer's auto, motorcycle and health
Deposit protection
Digit Insurance is an insurer, so policy terms and claim decisions stay with the company that takes the premium rather than with a broker or a comparison site. It is licensed by 158, the regulator that sets the rules its policies are written to. What a claim pays rests on the cover bought in the policy, not on a separate savings balance.
The company behind it
The insurer is a general insurance company incorporated in India, headquartered in India and founded in 2017. It is licensed by 158 in that market, so the policy wording follows Indian rules. Support runs on phone, email and chat, and customers deal with the insurer itself rather than an intermediary.
How Digit Insurance compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 8.7
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.7It starts at €25, so it sits at the other end of the price range from the INR 714 quoted here.
9.1 vs 9.0
9.1 vs 8.8It lists a premium from €0 against INR 714 here, a gap that points to a different product rather than a cheaper version of the same cover.
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.0
9.1 vs 8.3
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
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9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.6
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 8.3
9.1 vs 8.2- 9.1 vs 8.0
Where Digit Insurance is available
- Available
- India
- Licence in India
- IRDAI (Insurance Regulatory and Development Authority of India) (158), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the cheapest Digit Insurance premium?+
The lowest published figure is INR 714, quoted for two-wheeler motor insurance. Insurers as a group on the site start at €8.31, with a cheaper quarter from €2.92. The final premium depends on the vehicle, the city and the cover chosen, so treat the starting figure as a guide.
What kinds of cover does Digit Insurance sell?+
The listed policies are auto, motorcycle and health, so one household can hold motor, health, home, travel and life cover through the same company. Seniors are the audience named in seniors, and travel medical treatment and evacuation limits are set by plan tier rather than by a single published sum.
Is Digit Insurance an insurer or a broker?+
It is an insurer, so cover and claims both sit with the same company rather than with a broker or a comparison service. It holds a licence from 158 and is headquartered in India, which fixes the market its policy wording is written for.
How do I make a claim?+
Claims can be raised by app, web and phone, so the app, the website, a phone call, email or WhatsApp all work for notifying a loss. Once a claim is registered, what it pays follows the terms of the policy held, so read the cover details before settling on a plan tier.
How do I contact support?+
Support runs on phone, email and chat, with phone, email and live chat offered to customers in India. Because the company is registered and supervised in India, expect an Indian service desk rather than a UK or European one, and have your policy details ready before you call.
What do the published travel cover limits cover?+
Travel medical treatment and evacuation are the elements given a published limit, set on named plan tiers so the ceiling depends on the plan held. The same insurer writes the rest of its auto, motorcycle and health lines, so plan names differ by policy rather than carrying across from one line to another.
Is Digit Insurance available outside India?+
The insurer is headquartered in India and licensed by 158, so its policy wording is written for the Indian market. Readers in the UK and Europe who need cover available locally should weigh providers registered where they live rather than this one.
Sources
- godigit.com/about checked September 26, 2026
Backs: Founded, Insurance types, Legal entity
“So, in 2017, we asked a simple question: What if insurance wasn't like that?”
- godigit.com/claims checked September 26, 2026
Backs: Audience, Claims channels, Provider type, Headquarters, Support channels, Licences
“Senior Citizen and Differently Abled Persons Helpline”
- godigit.com/international-travel-insurance checked September 26, 2026
Backs: Cover limit
“Medical Treatment and Evacuation $50K-$500K for Smart and Smart 360”
- godigit.com/motor-insurance/two-wheeler-insurance checked September 26, 2026
Backs: Premium from
“Bike Insurance key features: Premium Starting from ₹714”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly payments.