Commercial Bike Insurance Online
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2000+
Cashless Garages
96% Claim
Settlement Ratio
60 Lakh+
Policies Sold
Commercial Bike / Motorcycle Insurance Price & Policy Renewal Online
What is Commercial Bike Insurance?
Carry passengers from one place to another. This policy does not cover any personal two-wheeler.
The insurance policy covers both you and your commercial bike in unfortunate events like accidents, thefts, fires, natural disasters, or any liabilities arising due to damage to any third party.
You can choose from Liability Only policy and Standard Package, along with customised add-ons to get the desired level of protection for you and your vehicle, but in case of Liability only polices any damage to the insured and vehicle and property will not be covered. All these features are available at Digit Insurance at an affordable premium.
Why Do You Need Commercial Bike Insurance?
If you own a two-wheeler that is used for public transportation, then you must get a commercial bike insurance due to the following reasons:
- It is mandated by law in India to have at least a Liability Only insurance policy for your commercial vehicles. However, if you want enhanced coverage, you can opt for a Standard Package and other add-ons as well.
- Having insurance will protect your business in situations of financial losses arising due to accident, collision or natural calamity.
- A commercial bike insurance will also ensure the safety of the passengers and in some cases the owner/driver, depending upon the policy terms.
- Having a commercial bike insurance policy also protects you from any third-party liability in case of damage or loss due to your vehicle.
Why choose a Commercial Bike Insurance by Digit?
We treat our customers like VIPs, know how…
Customize your Vehicle IDV
With us, you can customize your vehicle IDV as per your choice!
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 Bike Insurance?
Accidents
Damages and losses caused to the heavy-duty vehicle due to an accident.
Theft
Any damages and losses caused to the heavy-duty vehicle in the case of a theft.
Fire
Any damages or losses caused to the heavy-duty vehicle in an unfortunate case of fire.
Natural Disasters
Any damages and losses caused to your vehicle due to floods, earthquakes and other natural calamities.
Personal Accident
Covers for any personal injuries or death of the owner-driver of the vehicle.
Third Party Losses
Covers for losses and damages caused to a third-party vehicle, property or person due to the insured heavy-duty vehicle, in the case of an accident or collision.
Towing Disabled Vehicles
Covers for any damages caused to your vehicle in cases where it's being towed.
What’s Not Covered in a Commercial Bike Insurance by Digit?
It is equally important to know what’s not covered in your Commercial Bike 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 to go for a Third-Party Commercial Insurance for your commercial vehicle, 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 insured vehicle without a valid driver’s license or under the influence of alcohol then the claim can’t be approved.
Contributory Negligences
Any damages or losses caused to the heavy-duty vehicle due to contributory negligence won’t be covered for. For example, if there are existing floods in the city, and one still takes the tractor out.
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 Bike Insurance by Digit
Types of Commercial Bike Insurance Plans
Based on the type of your vehicle and number of vehicles you want to insure, we offer two primary plans you can choose from.
Liability Only
Standard Package
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Damages caused by your heavy vehicle to any third-party person or property. |
✔
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✔
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Damages caused to any third-party person or property by the vehicle being towed by your insured heavy vehicle. |
✔
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✔
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Loss or damages to own heavy vehicle due to natural calamities, fire, theft or accidents. |
×
|
✔
|
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Injury/death of heavy vehicle owner-driver If the owner-driver doesn’t already have a Personal Accident Cover from before |
✔
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✔
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How to Renew Commercial Bike Insurance Policy with Digit?
To do commercial bike renewal online with Digit, follow the given steps:
Enter Vehicle Details
On the Digit App or website, enter the vehicle registration number and select the policy status.
Choose a Plan
Select the type of vehicle insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.