Passenger Carrying Vehicle Insurance

Commercial Vehicle Insurance for Passenger Carrying Vehicles
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Passenger Carrying Vehicle Insurance: Coverage, Benefits & How it Works

Why should I buy a Passenger Carrying Vehicle Insurance?

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?

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?

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

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 claim?

Report Card

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

FAQs about Passenger Carrying Vehicle Insurance Online in India