Goods Carrying Vehicle Insurance

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. Read more... 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. Read less

Buy/Renew Goods Carrying Vehicle Insurance

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96% Claim

Settlement Ratio

60 Lakh+

Policies Sold

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Buy Commercial Vehicle Insurance Online

Registration Number

Mobile Number +91

It's a Brand New Vehicle

2000+

Cashless Garages

96% Claim

Settlement Ratio

60 Lakh+

Policies Sold

Types of Goods Carrying Vehicles

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

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

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.

Three-Wheel Vehicles

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

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

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.

Why choose a Goods Carrying Vehicle Insurance by Digit?

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24*7 call facility even on National Holidays

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Smartphone enabled self-inspection processes takes minutes!

What's Covered in a Goods Carrying Vehicle Insurance?

Accidents

Damages and losses caused to the goods carrying vehicle due to an accident.

Theft

Any damages and losses caused to the goods carrying vehicle in the case of a theft.

Fire

Any damages or losses caused to the goods carrying vehicle in an unfortunate case of fire.

Natural Disasters

Any damages and losses caused to your goods carrying vehicle due to floods, earthquakes and other natural calamities.

Personal Accident

Covers for any personal injuries or death of the owner-driver of the insured goods carrying vehicle.

Third Party Losses

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

Towing Disabled Vehicles

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

What’s not covered?

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

Types of Goods Carrying Vehicle 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 goods carrying 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 goods carrying vehicle.	✔	✔
Loss or damages to own goods carrying vehicle due to natural calamities, fire, theft or accidents.	×	✔
Injury/death of goods carrying 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.

Why should I buy a Goods Carrying Vehicle Insurance?

Insuring your goods carrying vehicle can help you reduce your business risk and potential losses that could arise due to unforeseen circumstances such as accidents, natural calamities, collisions, fires and thefts.
As per the Motor Vehicle Act, it is compulsory for all vehicles, including goods carrying vehicles to at least have a third-party commercial vehicle insurance in place. This helps cover for any potential third-party damages and losses.
Heavy vehicles, such as heavy goods carrying vehicles are prone to a lot of risks; both due to the size of the vehicle and the commercial purpose of the same. A goods carrying vehicle insurance helps to stay covered against potential risks such as fires, accidents, natural calamities and thefts.

FAQs about Goods Carrying Vehicle Insurance Online in India

All

Does a goods carrying vehicle insurance also cover for the driver?

Yes, this commercial vehicle insurance for goods carrying vehicles also covers for the owner-driver.

Is it mandatory to insure a heavy-duty vehicle?

Yes, according to the Motor Vehicle Act, it is mandatory to at least have a third-party insurance policy for your goods carrying vehicle to run legally on Indian roads.

Will the goods be covered too under a goods carrying vehicle insurance?

No, it won’t. A goods carrying vehicle insurance only protects the vehicle from damages/losses and the owner-driver from any bodily injuries.

How much does a commercial insurance for a goods carrying vehicle cost?

This depends on the type of goods carrying vehicle you’re looking to insure, and the primary city it operates it. You can check the potential premium for your goods vehicle insurance here.