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Bus Insurance

Commercial Vehicle Insurance for Passenger & School Buses

What is a Bus Insurance?

A bus insurance is a type of commercial vehicle insurance policy to protect commercial buses from potential damages and losses, such as in the case of an accident, natural calamity or fire. While the most basic plan covers for Third-Party liabilities (as required by law), a comprehensive policy also covers for one’s own damages and losses, both under one combined policy. 

Types of Buses Covered:

  • School Buses: Buses that are part of an educational institution such as a school or a college and are used primarily for student transportation can be covered under this policy.  
  • Public Buses: Buses owned and run by the government, used to transport passengers within the city or, from one city to another too can be covered under this policy.  
  • Private Buses: Buses owned by private organizations such as tour buses or buses used by offices for their employees too can be covered under this policy. 
  • Other Passenger Carrying Buses: All other types of commercial buses and vans used for the purpose of transporting passengers from one place to another are covered under this policy.

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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…

Widespread garages

Widespread garages

1400+ Cashless Network Garages for you to choose from across India

80% Advance Payment for Repairs

80% Advance Payment for Repairs

If you can't find any cashless garages nearby, we will pay 80% Advance payment to the garage of your choice.

Doorstep Pickup & Repair

Doorstep Pickup & Repair

Doorstep pickup, repair and drop with 6 months repair warranty - for repairs at our network garages

High IDV per rupee

High IDV per rupee

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

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

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

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

Network Garages

1400+ Across India

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

Know more about Commercial Bus Insurance in India

FAQs about Bus Insurance Online in India