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JCB Insurance Online
Having a JCB insurance policy is essential to protect your heavy machinery against potential damage and liabilities. Special commercial vehicle insurance is designed for such vehicles, keeping their requirements in mind.
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So, read here everything you need to know about JCB insurance online, renewal, price, and more.
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Buy/Renew JCB Insurance
2000+
Cashless Garages
1750 Crore+
Paid-in Claims
60 Lakh+
Policies Sold
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Buy Commercial Vehicle Insurance Online
2000+
Cashless Garages
1750 Crore+
Paid-in Claims
60 Lakh+
Policies Sold
What is JCB or Backhoe Loader Insurance?
JCB insurance or backhoe loader insurance is a commercial vehicle insurance policy that covers heavy construction JCB machines and equipment used in industries like construction, agriculture and mining.
Under any unforeseen damage or loss to the vehicle, such as accidents, theft, natural calamities, and third-party liability, etc., this comprehensive insurance policy provides financial coverage. The coverage you’ll receive will depend on the add-ons you choose along with this policy.
You can avail this benefit by paying an affordable premium and ensure your peace of mind.
Why Do You Need JCB Insurance?
As a JCB owner you should have a backhoe loader insurance due to the following reasons:
- It is mandatory by law to have at least a Liability Only policy to protect a third party against any damage and losses that could be caused by your backhoe loader.
- A JCB insurance policy will protect you from any unexpected losses incurred due to unforeseen circumstances.
- Since heavy machinery like JCB works in riskier conditions and is more prone to damage, any mishap can lead to a massive loss of investment. Thus, securing it with a standard policy can protect you financially in such situations.
- As per your chosen JCB policy, you can get insurance as per the current replacement value of the machinery.
- You can also get coverage for both partial and total damage to the equipment, depending on whether you buy a comprehensive policy.
Why Choose JCB 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!
Key Features of JCB Insurance
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Key Features |
Digit Benefit |
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Claim Process |
Paperless Claims |
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Customer Support |
24x7 Support |
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Additional Coverage |
PA Covers, Legal Liability Cover, Special Exclusions and Compulsory Deductibles, etc |
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Damages to Third-Party |
Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages |
What's Covered in JCB Insurance by Digit?
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 in JCB Insurance by Digit?
It is equally important to know what’s not covered in your JCB insurance policy so that there are no surprises when you make a claim. Here are some such situations:
JCB Insurance Plans by Digit that Fit Your Needs
Third-party or Liability Only Plan
Third-party liability insurance for commercial vehicles offers coverage to your JCB against damage, loss or injury to only third-party property or person due to your vehicle. It is mandatory in India to have at least a third-party insurance policy. Also, no add-ons are available with this policy and JCB third-party insurance price is already fixed by IRDAI depending on various factors.
Comprehensive or Standard Package Plan
A Comprehensive commercial vehicle insurance plan covers your own JCB vehicle as well as damage or injury to third-parties due to your vehicle. With a comprehensive plan you get enhanced protection against injuries, damage, natural disasters, and theft. The comprehensive policy also allows you to further widen your coverage by opting for suitable add-on covers.
Difference between Third Party vs Comprehensive JCB Insurance
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
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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 damages 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 JCB Insurance Policy with Digit?
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.
FAQs about JCB Insurance Price & Renewal Online
Why do I need commercial insurance for JCB?
JCB insurance, which is a type of commercial vehicle insurance, offers coverage to heavy machinery like JCB against damage or loss to your own vehicle or any third-party caused due to your vehicle. Thus, a JCB insurance policy supports you financially to carry out quick repairs and help the business run.
Does the JCB insurance policy also cover contractual liability?
No, contractual liability is not covered under the backhoe loader insurance policy.
Can I insure multiple JCB machines under one JCB or backhoe loader insurance policy?
No, you need a separate insurance policy to cover each JCB machine. To get JCB insurance for all your JCB machines at an affordable premium, you can get in touch with us
Is commercial vehicle insurance more expensive than personal vehicle insurance?
Yes; this is because a commercial vehicle is more prone to risks and thus has high liability limits than a personal vehicle. So, it increases its insurance price as well.
What is covered in JCB insurance online?
The coverage offered by JCB insurance depends on the type of plan chosen. A JCB comprehensive plan provides coverage against third-party liability and even damage or loss of your own vehicle. While a JCB third-party plan provides only third-party liability coverage.
Is insurance for JCB mandatory?
Yes, it is mandatory in India to get at least a third-party liability only commercial vehicle insurance for JCB. However, you can upgrade it to comprehensive insurance for better coverage.
Is it important to renew my JCB insurance policy?
Ye, it is mandatory by law in India to have a valid and active commercial vehicle insurance policy Thus, if you want to legally drive in India, you must do JCB insurance renewal before its expiry.
How much is the JCB insurance price?
The JCB insurance price depends on various such as its IDV, add-ons opted, NCB discount, JCB’ model and variant, plan and coverage, cubic capacity of the vehicle, etc. However, JCB third-party insurance price is already fixed by IRDAI.
How can I reduce my JCB insurance price?
You can reduce the JCB insurance price by using your NCB discount Opting for voluntary deductibles Comparing policies online Installing anti-theft devices
What is the policy period of a JCB insurance policy?
Generally, in India, a commercial vehicle insurance policy, including JCB insurance is valid for one year.
Is the owner-driver covered under JCB insurance?
Yes, the death of owner-driver is covered under both Liability Only and Standard JCB insurance policies only if the owner-driver isn’t covered under a Personal Accident cover in their name.
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Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.
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Product Head - Motor
Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.