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Commercial Vehicle Insurance Online

To protect your Commercial Vehicle with a secure and customized insurance plan, email us at

Why do you need a Commercial Vehicle Insurance?

  • If your business owns one or many vehicles, it’s essential to get a commercial vehicle insurance that will financially protect and cover your business from any losses and damages caused to and by your vehicle (s) and the people using it.
  • If your primary business involves the use of vehicles, such as a regular cab service or a private school bus, a commercial vehicle insurance will assure your stakeholders and passengers that they’ll always be protected and covered for.
  • As a mandate by law, it is compulsory to at least have a Liability Only policy in place, that protects third parties against any damages and losses that could be caused by your commercial vehicle.

Types of Commercial Vehicle Insurance

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Passenger Carrying Vehicle Insurance

  • Insurance specifically for vehicles that typically carry one or more passengers, such as taxis, cabs, auto rickshaw, school buses, private buses, etc.
  • Passenger carrying vehicles, especially school buses and regular cabs have a huge responsibility as they carry several passengers on a daily basis.
  • A number of India’s population’s lives and incomes depend on driving these vehicles. A commercial vehicle insurance ensures that they will always be protected against losses, in case of any unfortunate circumstances.
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Goods Carrying Vehicle Insurance

  • Vehicles that typically carry goods to be transported from one place to another. These primarily include trucks, tempos and lorries.
  • Goods carrying vehicles are usually large in size and are prone to a lot of risk due to it. A commercial vehicle insurance not only protects damages and losses to third parties, but also protects the driver and the vehicle from losses that can arise out of accidents, natural calamities or other unfortunate situations.
  • If your business actively uses trucks to transport goods from one place to another, a commercial vehicle insurance also protects losses against any loss or damage of goods that can occur due to circumstances such as natural calamities, accidents, fires, etc.
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Miscellaneous & Special Vehicles Insurance

  • Apart from cabs, taxis, trucks and buses, there are many other vehicles often used for and by business. Some of these may include special vehicles used for farming, mining and construction, among others.
  • A commercial vehicle insurance for the same will protect the insured vehicle from any damages and losses caused to and by the vehicle and its respective driver.
  • Given the both the investment and size of these vehicles, it’s always a safer choice to insure the same with a commercial vehicle insurance. This way, the business or sole proprietor will lessen its risk and protect itself from any financial losses that could occur due to unfortunate mishaps.

Why Digit Commercial Vehicle Insurance?

We treat our customers like VIPs, know how…

Super-Fast claims

90.4% claims settled in 30 days, with superfast claim process

24*7 Support

24*7 call facility even on National Holidays

Car With Amber Protective Cover

High IDV per rupee

With us, you can customize your IDV as per your choice!

What is Covered in Commercial Vehicle Insurance?

Accidents

Accidents

  • Damages caused to the commercial vehicle in case of an accident.
Theft

Theft

  • Loss or damage to the commercial vehicle due to theft.
Fire

Fire

  • Damages caused to the commercial vehicle due to a fire.
Natural Disasters

Natural Disasters

  • Damages caused to the commercial vehicle due to any natural calamity.
Personal Accident

Personal Accident

  • If there is an accident of the commercial vehicle, leading to an injury or death of the driver.
Third Party Losses

Third Party Losses

  • Any damages caused by the commercial vehicle to a third party.
Towing Disabled Vehicles

Towing Disabled Vehicles

  • Any damages caused to by the commercial vehicle to the vehicle being towed.

What's Not Covered

If the driver of the claimed vehicle is drunk or driving without a valid license
Any damage that is not a direct result of the accident/natural calamity/etc.
Any damage caused due to a contributory negligence of the driver (such as driving when there’s an existing flood) 
Some situations are covered in add-ons. If you haven’t bought those add-ons, those benefits can’t be covered (for example, tyre damage is only covered if it were damaged during an accident/natural calamity/etc, in other cases an add-on for the same can be bought)

Types of Commercial Vehicle Insurance Plans

Based on the requirement of your commercial vehicle, we primarily offer two policies. However, considering the risk and use of commercial vehicles, it’s recommended to take a Standard Package Policy that will financially protect your own commercial vehicle, and the driver using it as well.

Benefits

Liability Only Policy

Standard Package Policy

Damages caused by your commercial vehicle to any third-party person or property

Covered

Covered

Damages caused by your commercial vehicle to a third-party car (while towing or due to an accident)

Covered

Covered

Loss or damages to own commercial vehicle due to natural calamities, fire, theft or accidents

Not Covered

Covered

Injury/death of owner/driver

Not Covered

Covered

Add-ons

Breakdown Assistance Cover - This add-on provides 24x7 assistance for your commercial vehicle, up to 500 km from the city. This add-on can be extremely beneficial especially if your commercial vehicle is being used to transport goods or deliver packages. In case of a sudden breakdown, we’ll be there in a jiffy and you can be ensured that your business won't be on halt for long! 
Return to Invoice Add-On - In case your new commercial vehicle is damaged beyond repair or stolen, this add-on makes sure you get the last invoice value of your commercial vehicle (this means, it doesn’t account for any depreciation). Additionally, we also provide for the new registration and road tax of the new vehicle to be bought. This makes for a beneficial add-on for new commercial vehicles opting for insurance.
Zero Depreciation/Bumper-Bumper Add-On - Generally, every vehicle and its parts depreciate/decreases in value. This includes parts such as the bumper, metal or fibre parts of the vehicle. In case of a damage- depreciation is deducted from the claim money. However, having this add-on considers zero depreciation and you get to have the full value of the cost of repair/replacement. This add-on is extremely beneficial for commercial vehicles that are less than 5 years old. 
 
Tyre Protect Cover - This add-on covers common scenarios where accidental damage happens only to your tyre alone; such as tyre bursts, bulges and cuts. 
Engine & Gear-Box Protection Add-On - This add-on covers damages of your vehicle’s engine and gearbox which is not caused at the time of an accident.

How to Claim?

Call us at 1800-103-4448 or drop us an email at

Keep your details such as policy number, location of the accident, date & time of the accident, and contact number of the insured/caller handy to make our process easier.

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How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

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Know More About Commercial Vehicle Insurance