

Check JCB/Backhoe Loader Insurance Price & Policy Renewal Online in 2025
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.
So, read here everything you need to know about JCB insurance online, renewal, price, and more.
Table of Contents
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.
Note: JCB Insurance in Commercial Vehicles has been filed as Digit Commercial Vehicle Package Policy - Miscellaneous & Special Types of Vehicle
UIN Number: IRDAN158RP0003V01201819.
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…
Digit’s Motor Insurance Claim Settlement Ratio is 96% for FY’25

Digit’s Motor 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 9000 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!
What Our Customers Have to Say about Us
4.7/5
(250K + Customer Ratings)


Digit Motor Insurance in News!
Key Features of JCB Insurance by Digit
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 |
What's Covered in JCB Insurance?
What’s Not Covered?
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:
Types of JCB Insurance Plans and Coverages
1. 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.
2. 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.
Third Party vs Comprehensive JCB Commercial 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
Damages caused by your heavy 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 heavy vehicle. |
✔
|
✔
|
Loss or damages to own heavy vehicle due to natural calamities, fire, theft or accidents. |
×
|
✔
|
Injury/death of heavy vehicle owner-driver If the owner-driver doesn’t already have a Personal Accident Cover from before |
✔
|
✔
|
How to Buy JCB Insurance Online?
Step 1
On the Digit app or website, enter the commercial vehicle’s registration number, mobile number, and click on ‘View Prices.’
Step 2
Select the plan, add-ons and IDV, and click on ‘Continue.’
Step 3
Enter your personal, nominee and vehicle details and click on ‘Pay Now.’
Step 4
Complete the payment and mandatory KYC verification process.
Step 5
You’re done! 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 JCB Insurance Online
To get JCB insurance online from Digit, you need to furnish only the following documents:
- Vehicle Registration Certificate (RC)
- Previous year commercial vehicle insurance policy, if applicable
- Any document among these for KYC verification - PAN/Aadhar/DL/Voter id/Form 16/Passport
How is AI making Digit’s Motor Insurance Claim Process Faster & Smarter

How is AI making Digit’s Motor Insurance Claim Process Faster & Smarter
At Digit, we believe filing a motor insurance claim should be simple, not stressful. That’s why we’ve built intelligent automation into every step of the process—so you can get back on the road, faster.
- AI That Sees What You See: When you upload a video of the damage through our app, our AI doesn’t just watch—it analyses. Using advanced image recognition, it assesses the extent of the damage, classifies it, and helps determine the next steps. This means quicker evaluations, fewer delays, and a smoother experience for you.
- Automated Document Processing: From inspection reports to claim forms, our AI systems automatically sort and process your documents. This reduces manual effort, minimises errors, and speeds up approvals. And with a human-in-the-loop approach, we ensure every claim is handled with both precision and empathy.
- Automation That Works Behind the Scenes: Our systems also fetch claim details directly from partner platforms, eliminating the need for repetitive data entry. Whether it’s Bulk Policy Issuance or real-time claim registration, automation helps us move faster—so you don’t have to wait.
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69% Motor Repair Work Approvals Done within 12 Hours

69% Motor Repair Work Approvals Done within 12 Hours
In H2 FY25, our average vehicle repair approval time was 15 hours and 36 minutes, with 69% of approvals completed within 12 hours. Only 7.47% of cases experienced longer wait times, typically due to complex assessments or the need for additional documentation, highlighting our commitment to minimising delays and maximising efficiency.
Rest assured, we carefully monitor every step to ensure your vehicle is back on the road as swiftly as possible!
Digit Settled 9.16 Lakh Claims with 99.9950% Accuracy in FY'25
The below data is for all the products as given in the table below.
Ombudsman Complaints for FY 2024-25
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost, and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
Interesting Claim Stories & Insights from Digit Customers
How to File a Claim?
To file a claim against JCB insurance, follow these steps:
Step 1
Inform your insurer as soon as possible by calling Digit on 1800-258-5956 or dropping an email at hello@godigit.com.
Step 2
Keep your details handy such as policy number, location of the accident, date and time of the accident, and contact number of the insured/caller to make the process easier.
Step 3
Present the required documents required to file the claim and wait for the insurers to verify the details. Upon verifying, your claim will be processed.
How to Renew JCB Insurance with Digit?
To renew JCB insurance policy with Digit, follow the given steps:
Step 1
Go to Digit App or website and click on the ‘My Policy’ tab.
Step 2
Select the policy pending for renewal and click on ‘Renew Policy.’
Step 3
Now select the plan, IDV, add-ons and confirm the details, then click on ‘Pay Now.’
Step 4
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
How to Download Your JCB Insurance Policy on Digit App?
To download your renewed or already active commercial vehicle insurance policy for JCB, follow the given steps:
Step 1
On the Digit app, go to the ‘My Policies’ tab at the bottom. All your current active policies will be displayed.
Step 2
Choose the policy for which you want to download the document. Check the details and then click on ‘Download Policy’.
Step 3
Your JCB insurance policy document will be downloaded.
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