Commercial Vehicle Insurance

Buy Commercial Vehicle Package Policy


    Passenger carrying
    Auto Rickshaw
    Private & Public
    Private & Public
    Other categories
    Goods carrying Public
    Tractor - Private
    Tractor - Private & Public

What is a Commercial Vehicle Insurance?

Why do you need a Commercial Vehicle Insurance?

Types of Commercial Vehicle Insurance

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.

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 owner-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.

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 owner-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 Choose Commercial Vehicle Package Policy by Digit?

We treat our customers like VIPs, know how…

Widespread garages

Widespread garages

1400+ garages across India

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

High IDV per rupee

High IDV per rupee

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

What is Covered in Commercial Vehicle Insurance?



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



Loss or damage to the commercial vehicle due to theft.



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

It is equally important to know what’s not covered in your commercial vehicle insurance policy so that there are no surprises when you make a claim. Here are some such situations:

Own Damages for Third-Party Policy holder

In the case of a Third-Party Liability Only Policy, damages to own vehicle won’t be covered.

Drunk Riding or without a Licence

If the owner-driver of the claimed vehicle is drunk or driving without a valid licence.

Contributory Negligences

Any damage caused due to contributory negligence of the driver (such as driving when there’s an existing flood)  

Consequential Damages

Any damage that is not a direct result of the accident/natural calamity i.e., consequential losses like loss of earnings, loss of market, etc.

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 owner-driver using it as well.

Liability Only

Standard Package


How to file a Claim?

Report Card

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!

Read Digit’s Claims Report Card

What our customers have to say about us

Aman Jaswal

Very simple claim process. Just dial the number from your insurance policy.A call generated to Digit insurance team and they register the claim in 5 minutes after that take vehicle to workshop for repair. Survey done on Same day. Abhishek sir who explains all the process to me and also help to get claim.

Rohit Khot

I am vary Happy and satisfy with the service provided by Mr. Siddhesh Magdum. It was a great experience to deal with him. He has adequate knowledge of auto sector. He is Vary polite in nature and Vary prompt in his work. He helped me a lot to solve my problem.  I want to say, thank you digit to provide such a knowledgeable and experienced person to resolve our problems. Keep it up Siddhesh sir you are doing great job and good luck for your future.

Jayant Tripathy

I am extremely delighted the way Digit Insurance handled my case. I am happy to share the way Mr. Ratna Kumar of Go Digit handled my case. He has constantly followed up every alternate day to update the status of my vehicle with the garage people. I feel Digit is in safe hands of workers like Ratna Kumar. I would definitely love to renew my insurance and also go for my other vehicle Creta. Strongly recommend Digit. All the very best to Digit.

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FAQs about Commercial Vehicle Insurance in India