Commercial & School Bus Insurance
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Why should I buy a Bus Insurance?

Why choose a Commercial Bus Insurance by Digit?

We treat our customers like VIPs, know how…

Customize your Vehicle IDV

Customize your Vehicle IDV

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

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Super-Fast claims

Smartphone enabled self-inspection processes takes minutes!

What's covered in a Commercial Bus Insurance?



Damages and losses caused to your bus due to an accident.



Any damages and losses caused to your bus in the case of a theft.



Any damages or losses caused to your bus in an unfortunate case of fire.

Natural Disasters

Natural Disasters

Any damages and losses caused to your bus due to floods, earthquakes and other natural calamities.

Personal Accident

Personal Accident

Covers for any personal injuries or death of the owner-driver of the bus.

Third Party Losses

Third Party Losses

Covers for losses and damages caused to a third-party vehicle, property or person due to your bus, in the case of an accident or collision.

Towing Disabled Vehicles

Towing Disabled Vehicles

Covers for any damages caused to the bus in cases where it's being towed.

What’s not covered?

It is equally important to know what’s not covered in your commercial bus 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

If you’re only going for a Third-Party Commercial Insurance for your bus, then own damages and losses won’t be covered. 

Drunk Driving, or Driving Without a valid License

If during a claim, the driver-owner is found to be driving the bus without a valid driver’s license or under the influence of alcohol then the bus won’t be covered.

Contributory Negligence

Any damages or losses caused to the bus due to contributory negligence won’t be covered for. For example, if there are existing floods in the city, and one still drives the bus despite that.

Consequential Damages

Consequential damages is any damages or losses that aren’t a direct result of an accident, natural calamity or fire can’t be covered for.

Key Features of Commercial Bus Insurance by Digit

Key Features

Digit Benefit

Claim Process

Paperless Claims

Customer Support

24x7 Support

Additional Coverage

PA Cover, Legal Liability Cover, Special Exclusions and Compulsory Deductibles, etc

Damages to Third-Party

Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

Types of Commercial Bus Insurance Plans

Based on the type of your bus or fleet of buses to be insured, we have primarily two plans to choose from.

Liability Only

Standard Package


How to 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

Is it important to get a School Bus Insurance?

Tips to Choose the Right Bus Insurance Policy

Factors that affect Bus Insurance Premium

FAQs about Bus Insurance Online in India