Passenger Carrying Vehicle Insurance
Buy/Renew Passenger Carrying Vehicle Insurance
2000+
Cashless Garages
96% Claim
Settlement Ratio
60 Lakh+
Policies Sold
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Buy Commercial Vehicle Insurance Online
It's a Brand New Vehicle
2000+
Cashless Garages
96% Claim
Settlement Ratio
60 Lakh+
Policies Sold
What is Passenger 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.
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.
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
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 a Passenger Carrying Vehicle Insurance by Digit?
Accidents
Damages and losses caused to the passenger carrying vehicle in an unfortunate case of an accident.
Theft
Any damages and losses caused to the passenger carrying vehicle due to theft.
Fire
Any damages or losses caused to the passenger carrying vehicle in the case of a fire.
Natural Disasters
Any damages and losses caused to the passenger carrying vehicle due to floods, earthquakes and other natural calamities.
Personal Accident
Covers for any personal injuries or death of the owner-driver of the the passenger carrying vehicle.
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
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 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 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
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 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
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
|
Damages caused by your passenger carrying vehicle to any third-party person or property. |
✔
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✔
|
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Damages caused by your passenger carrying vehicle to a third-party vehicle |
✔
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✔
|
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Loss or damages to own passenger carrying vehicle due to natural calamities, fire, theft or accidents. |
×
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✔
|
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Injury/death of passenger carrying vehicle owner-driver If the owner-driver doesn’t already have a Personal Accident Cover from before |
✔
|
✔
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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:
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.