0, 'QUOTED' => 1, 'CREATED' => 2, 'KYC_DONE' => 3, 'PAID' => 4, 'EFFECTIVE' => 4, ]; $initialStep = $statusToStep[$status] ?? 0; $coverage = is_array($quote['coverage_details'] ?? null) ? $quote['coverage_details'] : []; // Normalize addon flags from either UI-shaped or Digit-shaped coverage JSON $addonOn = [ 'personal_accident' => !empty($coverage['personal_accident']) || !empty($coverage['personalAccident']['selection']), 'zero_dep' => !empty($coverage['zero_dep']) || !empty($coverage['addons']['partsDepreciation']['selection']), 'engine_protect' => !empty($coverage['engine_protect']) || !empty($coverage['addons']['engineProtection']['selection']), 'rsa' => !empty($coverage['rsa']) || !empty($coverage['addons']['roadSideAssistance']['selection']), 'consumables' => !empty($coverage['consumables']) || !empty($coverage['addons']['consumables']['selection']), 'key_protect' => !empty($coverage['key_protect']) || !empty($coverage['addons']['keyAndLockProtect']['selection']), ]; if ($coverage === []) { $addonOn['personal_accident'] = true; // default matches chip markup } ?>
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Enquiry ID
Step 1 of 5 · quick quote
Vehicle and coverage details
Enter the vehicle to fetch an indicative premium before creating the policy quote.
01
Vehicle
Required
Required
Required
Required
Required
Required
Required
Required
Required (6 digits)
Required
Previous policy
Yes
No
Coverage add-ons
Personal accident
Zero depreciation
Engine protect
Roadside assistance
Consumables
Key & lock
POST · motorQuickQuote
Step 2 of 5 · create quote
Confirm premium plan
Review the quick-quote premium, add policyholder details, then create the Digit quote.
02
Quoted premium
₹
IDV ₹
Vehicle identifiers
Required for create quote
Required for create quote
Policyholder
Required
Required (10 digits)
Required
Required
Required
Required
Step 3 of 5 · KYC status
Identity verification
Poll KYC status before the payment link can be issued.
03
Click refresh to fetch latest KYC status from Digit.
Quote number
Application ID
KYC reference
OVD link
Step 4 of 5 · payment
Collect premium
Generates a Digit UI payment link for the customer to complete the transaction.
04
Step 5 of 5 · policy
Policy status & documents
Confirm payment outcome, then download schedule and proposal PDFs.
05
Refresh status after customer payment, then fetch PDFs.
Documents
Policy schedule
>Download
Proposal form
>Download