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2000+
Cashless Garages
96% Claim
Settlement Ratio
60 Lakh+
Policies Sold
Heavy Vehicle Insurance Price & Policy Renewal Online 2025
Heavy vehicle insurance is essential for businesses that rely on large and heavy commercial vehicles like trucks, buses, and trailers. Heavy vehicle insurance online protects these vehicles against financial losses from accidents, theft, and damage, and covers the cargo, driver, and third-party liabilities as well, depending upon the chosen plan.
By having heavy duty truck insurance, businesses can ensure smooth operations and avoid financial losses. So, here’s everything you need to know about heavy duty commercial vehicle insurance to make informed decisions and maintain uninterrupted service.
Table of Contents
What is Heavy Vehicle Insurance?
Types of Heavy Vehicles
In India, there are many different types of heavy-duty vehicles, here are some of the most common ones, all of which can be covered under our Commercial Vehicle Insurance, such as:
- Bulldozers
Heavy duty vehicles mainly used in the process of construction, to move soil and sand forward. The same can be covered under heavy vehicle insurance.
- Cranes
Cranes are commonly used for construction as well and can be insured by commercial vehicle insurance for heavy-duty vehicles.
- Backhoe Digger
Backhoe diggers are one of the most common types of heavy-duty vehicles used in India, especially in the process of construction.
- Trailers
Trailers of all kinds are commonly used in India to transport goods and materials across different industries. The same can be covered for under a heavy-duty commercial insurance.
- Lorries
Tipper trucks and lorries are frequently used in India, mainly for the purpose of transporting large number of goods from one place to another.
Why Should I Buy Heavy Vehicle Insurance?
Here's why having a heavy commercial vehicle insurance is important in India:
- Heavy duty commercial vehicles are a large part of an operational investment for any business. The least a business should do is protect it with insurance, that will help compensate for losses in times of need.
- As per the Motor Vehicle Act, it is mandatory for all vehicles, including commercial vehicles, to at least have third-party commercial vehicle insurance in place. Without the same, you may be liable to pay heavy fines and other consequences.
- Insuring your heavy-duty vehicle won’t only ensure your business is safeguarded from losses, but also helps you maintain your vehicle better in the case of unforeseen circumstances such as natural calamities, fires, accidents and collisions.
Why Choose Heavy Commercial Vehicle 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 Heavy Vehicle 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 heavy 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 heavy-duty 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 tractor out.
Consequential Damages
Consequential damages is 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 Heavy Vehicle Insurance by Digit
Types of Heavy Vehicle Insurance Plans and Coverages
Based on the type of heavy-duty vehicle and number of vehicles you want to insure; we offer two primary plans you can choose from:
1. Comprehensive or Standard Package Plan
Having a comprehensive commercial vehicle insurance for heavy vehicles ensures protection from financial losses and gives you peace of mind as this plan covers your own vehicle as well as third-party liabilities against damage or loss in an unfortunate accident.
Your own vehicle is protected against injuries, damage, natural disasters, and theft, and you can further enhance this protection by opting for suitable add-ons from the ones available.
2. Third-party or Liability Only Plan
A third-party liability only commercial vehicle insurance plan for heavy vehicles financially protects them against only third-party liabilities, which includes damage, loss, or injury to any third-party due to your vehicle.
Also, to drive a heavy duty commercial vehicle in India, you must have at least a third-party policy in place, the price of which is already fixed by the IRDAI. Moreover, you cannot buy any add-ons with heavy vehicle insurance online.
Third Party vs Comprehensive Heavy Vehicle Insurance Coverage
Liability Only
Standard Package
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Damages caused by your heavy 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 heavy vehicle. |
✔
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✔
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Loss or damage to own heavy vehicle due to natural calamities, fire, theft or accidents. |
×
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✔
|
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Injury/death of heavy 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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How to Buy/Renew Heavy Vehicle Insurance Policy with Digit?
To do heavy vehicle 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.
Documents Required to Buy Heavy Vehicle Insurance Online
To buy heavy vehicle insurance online from Digit, you need these documents:
Registration Certificate
Previous Year Insurance Policy
Documents for KYC Verification
How to File Claim & Track Real-time Status through Digit App?
Login
Open the Digit App and go to the "File Motor Claim" option. Login and you'll be directed to the "File Motor Claim" page. Click on the policy card to start claim filing.
Provide Details
Fill in all the details related to the accident and damage to the commercial vehicle.
Enter Personal Details
Update your personal details and that's it, your claim is successfully filed, and you will receive the next steps on your email & WhatsApp.
Digit’s Commercial Vehicle Insurance Claim Settlement Ratio is 96% for FY’25
When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:
Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
Cashless Claims at over 2000 garages in India, so you can get your two-wheeler fixed without stress.
Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!
How to Download Your Trailer Insurance Policy on Digit App?
If you already have an active trailer insurance policy, you can easily download the policy document by following the given steps:
Login to Your Acount
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
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