Goods Carrying Vehicle Insurance
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As the name suggests, a goods carrying vehicle insurance is a type of commercial vehicle insurance, designed to protect commercial vehicles used for the purpose of transporting goods from one place to another. Given that these vehicles are comparatively prone to more risks, a goods carrying vehicle insurance can cover for losses and damages during uncertain circumstances such as accidents, collisions, thefts, natural calamities and fires.
There are various types of goods carrying vehicles, basis the nature of different businesses in India. Some of the common examples of goods carrying vehicles includes:
Trucks come in different shapes and sizes. From small trucks used to deliver daily essentials to larger trucks used to transport goods like furniture and appliances. All types of goods carrying trucks can be covered under a commercial insurance policy.
Tempos are comparatively smaller than trucks, and often used for transportation and delivery of goods within the city. The same can be covered too, under a goods carrying vehicle insurance.
Cargo autos or three-wheel vehicles are small goods carrying vehicles often used for delivery of goods within the city. Since they are smaller in size, they are prone to lesser risks as compared to trucks and trailers.
However, they can still be covered under a goods carrying vehicle insurance for maximum protection and minimal business losses.
Trailers are large goods carrying vehicles; often used across the country for the transportation of heavy goods. Given the risk associated with them, it is almost mandatory to cover them with a goods carrying vehicle insurance.
Tippers are a type for heavy vehicle and goods carrying vehicle; often used to transport construction goods. The same can be covered under Digit’s commercial insurance policy, to protect it from potential risks.
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It is equally important to know what’s not covered in your goods carrying vehicle insurance policy so that there are no surprises when you make a claim. Here are some such situations:
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 |
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.
Damages caused by your goods carrying 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 goods carrying vehicle. |
✔
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✔
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Loss or damages to own goods carrying vehicle due to natural calamities, fire, theft or accidents. |
×
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✔
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Injury/death of goods carrying 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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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.
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