JCB Insurance Online

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.
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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.

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

Customize your Vehicle IDV

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

24*7 Support

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 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 by Digit?

Accidents

Accidents

Damages and losses caused to the heavy-duty vehicle due to an accident.

Theft

Theft

Any damages and losses caused to the heavy-duty vehicle in the case of a theft.

Fire

Fire

Any damages or losses caused to the heavy-duty vehicle in an unfortunate case of fire.

Natural Disasters

Natural Disasters

Any damages and losses caused to your 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 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 heavy-duty vehicle, in the case of an accident or collision.

Towing Disabled Vehicles

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:

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

Any damages or losses that aren’t a direct result of an accident, natural calamity or fire can’t be covered for.

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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How to Buy/Renew JCB Insurance Policy with Digit?

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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

Manasvi Gupta

Written By

Manasvi Gupta

Manasvi Gupta

Manasvi Gupta

Content Writer

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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Manasvi Gupta

Manasvi Gupta

Content Writer

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.

mayur-black-white-test

Reviewed by:

Mayur Kacholiya

mayur-black-white-test

Mayur Kacholiya

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.

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mayur-black-white-test

Mayur Kacholiya

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.