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Goods Carrying Vehicle Insurance

Commercial Vehicle Insurance for Goods Carrying Vehicles

What is a 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. 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. 

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. 

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Why choose a Goods Carrying Vehicle Insurance by Digit?

We treat our customers like VIPs, know how…

Widespread garages

Widespread garages

1400+ Cashless Network Garages for you to choose from across India

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Doorstep Pickup & Repair

Doorstep Pickup & Repair

Doorstep pickup, repair and drop with 6 months repair warranty - for repairs at our network garages

High IDV per rupee

High IDV per rupee

With us, you can customize your IDV as per your choice!

What's Covered in a Goods Carrying Vehicle Insurance?



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



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



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

Natural Disasters

Natural Disasters

Any damages and losses caused to your goods carrying 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 insured goods carrying 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 goods carrying vehicle, in the case of an accident or collision.

Towing Disabled Vehicles

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:

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 goods carrying 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 vehicle 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 Goods Carrying Vehicle Insurance by Digit

Key Features

Digit Benefit

Network Garages

1400+ Across India

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


How to claim?

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

Why should I buy a Goods Carrying Vehicle Insurance?

FAQs about Goods Carrying Vehicle Insurance Online in India