Passenger Carrying Vehicle Insurance

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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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Passenger Carrying Vehicle Insurance Price & Policy Renewal Online 2025

Passnger carrying vehicle insurance

A passenger carrying vehicle insurance is a type of commercial vehicle insurance policy, designed to protect any commercial vehicles used for the purpose of transporting passengers from one place to another.

This passenger carrying vehicle insurance protects the vehicle from damages and losses that could arise in case of an accident, natural calamity or fire, amongst other unforeseen events.

The most common types of passenger carrying vehicle insurance policies include a bus insurance, van insurance, taxi/cab insurance and auto rickshaw insurance, among others.

Auto Rickshaws Insurance

Types of Passenger Carrying Vehicles Covered

Buses

Buses such as school buses, private tour buses and others used for the purpose of transporting passengers from one place to another are covered under a passenger carrying vehicle insurance policy.

Auto Rickshaws

All auto rickshaws used for commercial purposes; transporting people from one place to another too can be covered under this policy.

Taxis, Cabs and Commercial Cars

Taxi and commercial cars such as your daily uber, ola and other private cars used for commercial, public transportation can be covered under a passenger carrying vehicle insurance.

Vans

Vans such as school vans and private tour minibuses used for commercial purposes too are covered under this policy.

taxi insurance

Why should I buy a Passenger Carrying Vehicle Insurance?

  • Protection from Unforeseen Losses

Whether it is due to a natural calamity, accident, collision or even a fire; a passenger carrying vehicle insurance helps compensate for these uncertain losses, and thereby protects your business from being liable to them.

  • Comply with the Law

As per the Motor Vehicle Act, it is compulsory for all vehicles including ones used for commercial purposes to be insured with at least a basic, third-party motor insurance to help protect one from losses and damages caused to any third-party; such as a person, property or vehicle.

  • Covers for Owner-Driver

Insuring your commercial vehicle with a passenger carrying vehicle insurance does not only protect the vehicle but, also covers for the owner-driver. 

  • Passenger Protection

While buying a passenger vehicle, one can also opt to cover for their passengers; thus, being a responsible business that cares for not only oneself but for all its stakeholders involved. 

Why choose a Passenger Carrying Vehicle 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!

What's Covered in a Passenger Carrying Vehicle Insurance by Digit?

Accidents

Accidents

Damages and losses caused to the passenger carrying vehicle in an unfortunate case of an accident.

Theft

Theft

Any damages and losses caused to the passenger carrying vehicle due to theft.

Fire

Fire

Any damages or losses caused to the passenger carrying vehicle in the case of a fire.

Natural Disasters

Natural Disasters

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

Towing Disabled Vehicles

Towing Disabled Vehicles

Covers for any damages caused to the passenger carrying vehicle in cases where it's being towed.

What’s not Covered in a Passenger Carrying Vehicle Insurance by Digit?

It is equally important to know what’s not covered in your passenger 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

Own Damages for a Third-Party Policy Holder

If you've purchased only a Third-Party Passenger Vehicle Insurance Policy, then own damages and losses won’t be covered for. 

Drunk Riding or without a Licence

Drunk Driving, or Driving Without a valid License

If during a claim, the driver-owner is found to be without a valid driver’s license or under the influence of alcohol then the claim won’t be approved.

Contributory Negligence

Contributory Negligence

Any damages or losses caused to the vehicle due to contributory negligence won’t be covered. For example, if there are existing floods in the city, and one still drives the vehicle despite being recommended not to. 

Consequential Damages

Consequential Damages

Consequential damages is any damages or losses that aren’t due to that of an accident, natural calamity or fire can’t be covered for.

Key Features of Passenger Carrying Vehicle Insurance by Digit

Key Features Digit Benefit
Claim Process Paperless Claims
Customer Support 24x7 Support
Additional Coverage PA Cover, 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 Passenger Carrying Vehicle Insurance Plans

Based on your type of passenger carrying vehicle; i.e. bus, rickshaw, van, etc; we primarily have two plans to choose from.

Liability Only

Standard Package

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How to Buy/Renew Passenger Carrying Vehicle Insurance Policy with Digit?

To do passenger carrying vehicle insurance renewal online with Digit, follow the given steps:

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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 Passenger Carrying Vehicle Insurance Online in India