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Commercial Vehicle Package Policy

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 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.
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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 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 should you buy Digit’s Commercial Vehicle Package Policy?

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?



  • 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

If the owner-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 i.e., consequential losses like loss of earnings, loss of market, etc.
Any damage caused due to contributory negligence of the driver (such as driving when there’s an existing flood)  

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 Policy

Standard Package Policy

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



Damages caused to any third-party person or property by the vehicle being towed by your insured commercial vehicle



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

Not Covered


Injury/death of owner-driver

Covered (if they don’t already have a Personal Accident Cover)


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.

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

Know More About Commercial Vehicle Insurance