Excavator Insurance Online
Commercial Vehicle Insurance for Heavy Construction Equipment
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:
- 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.
- The insurance money will cover the damage or loss incurred to the excavators arising due to external factors.
- 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.
- Excavator insurance can protect your machinery or equipment for both partial and total damage.
- 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
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 Excavator 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?
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:
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
|
Damages caused by your heavy vehicle to any third-party person or property. |
✔
|
✔
|
|
Damages caused to any third-party person or property by the vehicle being towed by your insured heavy vehicle. |
✔
|
✔
|
|
Loss or damages to own heavy vehicle due to natural calamities, fire, theft or accidents. |
×
|
✔
|
|
Injury/death of heavy vehicle owner-driver If the owner-driver doesn’t already have a Personal Accident Cover from before |
✔
|
✔
|
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.
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 CardWhat 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.
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