Commercial Van Insurance

Commercial Vehicle Insurance for Commercial/Business Van
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What is a Commercial Van insurance?

A commercial van insurance is a type of commercial vehicle insurance policy designed to cover for vans used for business purposes. Such as school vans, private vans and other vans used to transport passengers or goods from one place to another.

While a basic, third-party liability policy helps cover for third-party liabilities, as mandated by the law; a comprehensive van insurance policy helps cover for one’s own damages and losses as well.

Types of Commercial Vans Covered

  • School Van: Vans owned and used by schools to transport students and teachers from one place to another, can be covered as part of our van insurance.
  • Public Van: Vans used for the purpose of public transportation too can be covered.
  • Private Van: Vans used for the purpose of carrying passengers or transporting business goods too can be covered for.
  • Other Commercial Vans: All other vans used for commercial and operational purposes can be covered.

 

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Why should I buy a Commercial Van Insurance?

  • Comply with the Law: As per the Motor Vehicle Act, all vehicles including vans are required to at least have a third-party vehicle insurance in place. Without the same, you may be charged a hefty fine!
  • Protection from Unforeseen Losses: While a third-party van insurance would only cover you legally, and for losses to a third-party, a comprehensive van insurance will also help cover from your van’s own damages and losses that could arise at any time.
  • Covers for Van Owner-Driver: Whether you get a third-party van insurance or a comprehensive van insurance, your commercial van insurance will also cover for the van’s owner-driver in unfortunate circumstances.
  • Passenger Protection: With a comprehensive van insurance, you can also opt to cover for any passengers that may be traveling in your van. 

Why choose a Commercial Van 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 Van Insurance?

Accidents

Accidents

Damages and losses caused to the van due to an accident.

Theft

Theft

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

Fire

Fire

Any damages or losses caused to the van in an unfortunate case of fire.

Natural Disasters

Natural Disasters

Any damages and losses caused to the van 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 van.

Third Party Losses

Third Party Losses

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

Towing Disabled Vehicles

Towing Disabled Vehicles

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

What’s not covered?

It is equally important to know what’s not covered in your commercial van 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 Third-Party Commercial van insurance for your van, 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 commercial van without a valid driver’s license or under the influence of alcohol then the commercial van won’t be covered.

Contributory Negligence

Any damages or losses caused to the commercial van due to contributory negligence won’t be covered for.

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 Van 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 Van Insurance Plans

Based on the type of your commercial van to be insured, we have primarily two plans to choose from.

Liability Only

Standard Package

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How to claim?

Call us at 1800-258-5956 or drop us an email at hello@godigit.com

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

FAQs about Commercial Van Insurance Online in India