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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.
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.
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.
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.
Tractors are an important piece of equipment in the Indian agriculture and other industries, and their use poses higher risks. Thus, getting tractor insurance is crucial for safeguarding these machines against accidents and damage and for ensuring smooth and secure operations.
So, here’s a 2025 guide for commercial tractor insurance to help you buy/renew the best tractor insurance policy in India.
Tractor Insurance is a type commercial vehicle insurance that is a contract between you and the insurance company. You pay a small amount as the premium and in turn the insurer provides you with financial protection for your vehicle against damages due to accidents, natural disasters, theft, and other unforeseen events. Here's how it works
Choose a Policy
You choose the type of tractor insurance plan, including the appropriate add-ons that suit your needs and budget
Buy or Renew Policy
As per your chosen tractor insurance plan, you can buy or renew tractor insurance online instantly with Digit
Pay Premium
After purchasing the policy, you have to pay regular payments or tractor insurance premium to the insurance company, either annually or in installments.
File a Claim
File a claim with your insurer and provide the required documents. After damage assessment, the insurer will settle the claim as per the policy terms.
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Damages and losses caused to the tractor due to an accident.
Any damages and losses caused to the tractor in the case of a theft.
Any damages or losses caused to the tractor in an unfortunate case of fire.
Any damages and losses caused to your tractor due to floods, earthquakes and other natural calamities.
Covers for any personal injuries or death of the owner-driver of the tractor.
Covers for losses and damages caused to a third-party vehicle, property or person due to the insured tractor, in the case of an accident or collision.
Covers for any damages caused to your tractor in cases where it's being towed.
It is equally important to know what’s not covered in your commercial tractor insurance policy so that there are no surprises when you make a claim. Here are some such situations:
If you’re only going to go for a Third-Party Commercial Insurance for your tractor, then own damages and losses won’t be covered.
If during a claim, the driver-owner is found to be driving the tractor without a valid driver’s license or under the influence of alcohol then the claim can’t be approved.
Any damages or losses caused to the tractor 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 is any damages or losses that aren’t a direct result of an accident, natural calamity or fire can’t be covered for.
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
You also get optional covers for tractor insurance for enhanced coverage to protect in all circumstances. These include:
A personal accident cover is compulsory by law in India. So, if your tractor insurance policy doesn’t already have it, get this cover as it will cover you for bodily injury or death of the owner-driver in case of an accident.
Under this add-on, you must pay a certain amount as your share of the loss, called the compulsory deductible, that helps reduce your premium. This will also cover the loss or damage to lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork if your vehicle is completely damaged.
If you want to protect your tractor and business against any legal liability that may arise due to an injury caused to your employees or someone who works for you, you must get this cover.
Under this cover, your tractor is protected against losses or damage to lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork in case of partial damage.
This add-on will cover any electrical accessories fitted in your tractor, which is not a part of the manufacturer’s model.
This add-on will cover any non-electrical accessories fitted in your tractor, which is not a part of the manufacturer’s model.
Digit offers the following 7 add-ons with the tractor insurance policy to provide enhanced protection for miscellaneous and specialised commercial vehicles.
Under consumable add-on you get covered for the cost of your tractor’s bits and pieces, like its nuts and bolts, screws, engine oil, and grease in case of an accident.
This add-on ensures that the depreciation on your tractor and its parts over time is not deducted at the time of claim.
This add-on covers any consequential damage caused to your commercial tractor’s engine or gearbox after the accident, probably due to water regression or leakage of lubricating oil.
Breakdown assistance add-on assists you 24x7 in case your tractor faces a breakdown on the road - due to an accident, flat tires, malfunctioning battery, or other factors.
This add-on compensates you for any loss of income that you may face when your tractor is not available and is being repaired due to damage.
Under this add-on, you are compensated for the additional expenses incurred when your tractor is being moved from the accident spot to the nearest garage or place of safety.
If your tractor is damaged in an accident and is getting repaired in a garage, it could cause a loss to your business. So, if your commercial vehicle is on loan, then this add-on will help you pay regular EMIs to the financier of the vehicle recorded with the insurer.
Mayur Kacholiya
Product Head
4.7/5
(250K + Customer Ratings)
4.9/5
4.7/5
17 nov 2024
Abishek Sharma
18 Aug 2024
Pratheesh R
18 Sep 2024
Venkat Raman
20 Dec 2024
Anvesh Allamsetti
12 May 2024
Subasish Mohapatra
|
Damages caused by your tractor to any third-party person or property. |
✔
|
✔
|
|
Damages caused by your tractor to a third-party vehicle |
✔
|
✔
|
|
Loss or damages to own tractor due to natural calamities, fire, theft or accidents. |
×
|
✔
|
|
Injury/death of tractor owner-driver If the owner-driver doesn’t already have a Personal Accident Cover from before |
✔
|
✔
|
Here is the tractor 3rd party insurance price for commercial tractors in India. This tractor insurance price list is fixed by IRDAI.
Enter Tractor Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of Tractor 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.
To buy Digit tractor insurance online, a load of paperwork is not required. Furnish only the following documents to buy a new two-wheeler insurance policy within minutes:
Registration Certificate
Previous Year Insurance Policy
A Previous Year Insurance Policy refers to the tractor insurance coverage you had for the previous policy term, typically valid for one year. It includes details like:
Documents for KYC Verification
Login
Open the Digit App and go to the "File Motor Claim" option. Login and you'll be directed to the "File Motor Claim" page. Click on the policy card to start claim filing.
Provide Details
Fill in all the details related to the accident and damage to the Auto Rickshaw.
Enter Personal Details
Update your personal details and that's it, your claim is successfully filed, and you will receive the next steps on your email & WhatsApp.
To download your renewed or already active commercial vehicle insurance policy with Digit, follow the given steps:
Login to Your Acount
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
Please try one more time!
Have queries related to Digit motor insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
Connect with our self-serve chat bot support - 7026061234
Write to us at hello@godigit.com
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Call us on 1800-258-5956
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