Excavator Insurance Online
usp icon

Affordable

Premium

usp icon

Zero Paperwork

Required

usp icon

24*7 Claims

Support

Get Instant Policy in Minutes*

I agree to the Terms & Conditions

Don’t have Reg num?
It’s a brand new vehicle
background-illustration

Excavator Insurance: Coverage, Benefits & How it Works

What is Excavator Insurance?

Excavator Insurance is a crucial commercial vehicle insurance that protects heavy machinery like excavators from damage and losses incurred due to accidents, thefts or natural calamities.

In India, where heavy machinery and construction equipment are essential for construction, mining and various infrastructure projects, excavator insurance plays a critical role in securing the equipment.

This insurance policy ensures that excavator owners can carry out their work without worrying about the high costs of repairs or replacements.

Thus, you can protect the machinery with excavator insurance by paying an affordable premium. Also, you can choose from various add-ons available to get extended coverage and other benefits.

Note: Excavator Insurance in Commercial Vehicles has been filed as Digit Commercial Vehicle Package Policy - Miscellaneous & Special Types of Vehicle

UIN number IRDAN158RP0003V01201819.

Why Do You Need Excavator Insurance?

If you own an excavator, get it insured today for the following reasons:

  1. Having at least a Third-Party Liability Only policy is mandatory by law as it protects a third party against any damage and losses that are caused by your excavator. 
  2. The insurance money will cover the damage or loss incurred to the excavators arising due to external factors.
  3. Since heavy machinery is deployed mainly in riskier working conditions, the threat of damage to machinery or equipment is higher. So, you need insurance to protect yourself financially in any unprecedented situation.
  4. Excavator insurance can protect your machinery or equipment for both partial and total damage.
  5. You get peace of mind by ensuring that your excavator is financially covered during any mishap.

Why choose a Excavator 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 Excavator Insurance?

Accidents

Accidents

Damages and losses caused to the heavy-duty vehicle due to an accident.

Theft

Theft

Any damages and losses caused to the heavy-duty vehicle in the case of a theft.

Fire

Fire

Any damages or losses caused to the heavy-duty vehicle in an unfortunate case of fire.

Natural Disasters

Natural Disasters

Any damages and losses caused to your vehicle 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 vehicle.

Third Party Losses

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

Towing Disabled Vehicles

Covers for any damages caused to your vehicle in cases where it's being towed.

What’s not covered?

It is equally important to know what’s not covered in your Excavator 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 Excavator Insurance by Digit

Key Features

Digit Benefit

Claim Process

Paperless Claims

Customer Support

24x7 Support

Additional Coverage

PA Covers, 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 Excavator Insurance Plans

Based on the type of your heavy-duty vehicle and number of vehicles you want to insure, we offer two primary plans you can choose from.

Liability Only

Standard Package

✔
✔
✔
✔
×
✔
✔
✔

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

What our customers have to say about us

Vikas Thappa

I had a wonderful experience while prossesing my vehicle insurance with Digit Insuarnce . It is so customer friendly equipped with apt technology. Claim got resorted within 24 hrs even without physically meeting any person. The customer centers handled my calls well. My special recognition to Mr Ramaraju Kondhana who was handled the case in a excellent way.

Vikrant Parashar

Really an fab insurance company which declared the highest idv value n staff is really courteus n i m totally complacent with the staff n specially credit goes to uves farkhun who timely infork me about various offers n benifits which push me to buy policy only from digit insurance n now i have decided to buy policy of another vehicle from digit insurance only bcs of many factors lyk cost-related and service-related.

Siddharth Murthy

It was a good experience of buying my 4th Vehicle insurance from Go-digit. Ms. Poonam devi explaining the policy well, as well as she knew what was the expectation from the customer and gave the quote according to my needs. And it was Hassle free to make the payment online. Special thanks to Poonam for getting this done Asap. Hope the Customer relationship team become better day by day!! Cheers.

Show more
Show all Reviews

FAQs about Excavator Insurance