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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.

Check Taxi Fleet Insurance Renewal Price & Renew Policy Online

In India, most of the population relies on passenger-carrying commercial vehicles for their daily commute. For many cab or taxi fleet owners, their vehicle fleet is their primary source of income. Therefore, it is essential to have a suitable taxi fleet insurance policy in place to financially protect your commercial fleet.

Additionally, as per law, in India all taxi and cab owners must have at least third-party insurance coverage to drive legally on the roads. To make the process of buying or renewing commercial insurance for your group of taxis and cabs easier and more efficient, here’s everything you need to know about fleet insurance online.

What is Taxi Fleet Insurance?

Taxi Fleet insurance is a commercial vehicle insurance policy designed for businesses that own and operate multiple passenger-carrying vehicles for commercial purposes, to protect them in case of unfortunate incidents.

Fleet insurance online provides coverage for all types of cars used by the business, including delivery services, taxi companies, logistics firms, and any other enterprise that relies on a fleet of vehicles for its operations; however, the policy does not extend to individual drivers.

Also, the primary requirement for obtaining fleet insurance online is that businesses must be operating or owning at least two passenger-carrying vehicles for commercial use.

Is Fleet Insurance Mandatory?

Yes, having at least a third-party passenger carrying commercial vehicle insurance for your fleet of taxis and cabs is mandatory by law in India. This type of insurance covers any damage or injuries caused to third parties by your vehicle. Without this mandatory insurance, you cannot legally drive your taxi fleet on public roads.

Why Should You Buy Taxi Fleet Insurance?

Here’s why you should get fleet insurance online:

Comprehensive Coverage: Fleet insurance protects your vehicles against a wide range of risks, including third-party liabilities and own damage due to accidents, theft, fire, and natural disasters, as well as personal accident coverage for drivers.
Legal Requirement: If you or your organization owns a commercial taxi or cab, it is mandatory by law to have at least a Third-Party liability only fleet insurance policy. This financially covers your business in case your taxi causes damage and losses to a third-party property, person or vehicle.
Passenger Protection: Having taxi fleet insurance is crucial to ensure the safety of your passengers as you can buy a Personal Accident cover alongwith your fleet insurance online policy.
Customizable: You can also tailor your fleet insurance policy with add-ons like zero depreciation, engine protection, roadside assistance, etc., to meet the specific needs of your fleet.
Enhanced Security: A taxi fleet insurance online also ensures that your business operations are not disrupted by vehicle-related incidents, thus, helping you maintain productivity.
Peace of Mind: Knowing that all the vehicles in your fleet are insured provides peace of mind, allowing you to focus on running your business without worrying about vehicle-related incidents.

Why Choose Digit for Fleet Insurance?

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 process takes just a few minutes!

Key Features of Taxi Fleet Insurance by Digit

Key Features	Digit Benefit
Claim Process	Paperless Claims
Customer Support	24x7 Support
Premium	Customized as per type of commercial vehicle & number of vehicles to be insured
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

What's Covered in Commercial Fleet Insurance by Digit?

Accidents

Damages caused to the commercial vehicle in case of an accident.

Theft

Loss or damage to the commercial vehicle due to theft.

Fire

Damages caused to the commercial vehicle due to a fire.

Natural Disasters

Damages caused to the commercial vehicle due to any natural calamity.

Personal Accident

If there is an accident of the commercial vehicle, leading to an injury or death of the driver.

Third Party Losses

Any damage caused by the commercial vehicle to a third party.

Towing Disabled Vehicles

Any damage caused by the commercial vehicle to the vehicle being towed.

What’s Not Covered in Commercial Fleet Insurance by Digit?

Types of Taxi Fleet Insurance Plans

Primarily two insurance policies are available for this light commercial vehicle, which are:

Comprehensive or Standard Package Plan

Comprehensive commercial vehicle insurance offers overall protection to your Ashok Leyland Dost, including its own damage as well as damage or loss to the third-party. With this Ashok Leyland Dost insurance online policy, you get enhanced protection against injuries, damage, natural disasters, and theft and the option to choose add-ons as well.

Third-party or Liability Only Plan

A third-party insurance plan covers only third-party liabilities, which include damage or loss to third-party vehicle, property or person caused due to your vehicle. Also, it is mandatory in India to have at least third-party insurance for commercial vehicles.

You cannot opt for any add-ons with this policy, and the premium price for a third-party liability policy is fixed by IRDAI.

Difference between Third Party vs Comprehensive Commercial Vehicle Insurance

Liability Only

Standard Package

Damages caused by your fleet to any third-party person or property	✔	✔
Damages caused to any third-party person or property by the vehicle being towed by your insured vehicle	✔	✔
Loss or damages to own fleet due to natural calamities, fire, theft or accidents	×	✔
Injury/death of owner-driver If owner-driver doesn’t already have a Personal Accident Cover from before	✔	✔

How to Renew Taxi Fleet Insurance Policy with Digit?

To do taxi fleet insurance 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.

Types of Vehicles Covered in Fleet Insurance

Here are the different types of taxis might be used for commercial purposes such as carrying passengers from one place to another – all of which are covered under taxi fleet insurance:

Sedans: These cars are commonly used for comfortable city rides and longer trips.
Hatchbacks: Small hatchback cars are popular for short-distance travel within cities, thanks to their easy manoeuvrability.
SUVs: These types of cars in the fleet are preferred by larger groups and longer journeys, offering more space and comfort.
Auto Rickshaws: Fleet insurance also covers your fleet of three-wheelers that are used to carry passengers for short-distance travel.
Electric Vehicles (EVs): Electric cars, bikes and auto-rickshaws are also gaining popularity for commercial uses.
Luxury Cars: These include the high-end vehicles used for premium taxi services.

Factors Affecting Taxi Fleet Insurance Premium

The following factors significantly affect your taxi fleet insurance online price:

FAQs about Fleet Insurance

All

What is covered under fleet insurance online?

Two or more taxi and commercial cars such as your daily uber, ola and other cars owned by a business or individual and which are used for commercial and public transportation are covered under a fleet insurance policy.

How much does it cost to insure a taxi fleet?

The cost to insure your taxi fleet depends on various factors, including the make and model of your commercial car, location where you drive it, the age of your taxi, its IDV, if you have any accumulated NCB.

Does fleet insurance cover passengers as well?

Yes, a comprehensive fleet insurance online policy can include passenger cover to protect your passengers.

What are the benefits of buying taxi fleet insurance online?

Buying fleet insurance online has various benefits such as it helps save time, involves no paperwork, and makes the buying, renewing, and claim process hassle-free.

What is the difference between third-party and comprehensive fleet insurance?

Third-party insurance covers damage to others caused by your vehicle, while comprehensive insurance covers third-party liabilities as well as damage to your own vehicle and the owner-driver.