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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.

Tractor Insurance: Buy/Renew Tractor Insurance Policy Online Instantly

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.

What is Tractor Insurance?

Tractor insurance is a type of commercial vehicle insurance policy designed to protect your tractor that is used for commercial purposes such as agriculture, from any unforeseen damages and losses due to instances such as accidents, collisions, natural calamities, fires or even thefts.
While a third-party liability policy for tractors only covers for damages to a third-party, a comprehensive insurance for tractors also covers for own damages and losses, thus, giving you and your business just the right amount of coverage you need for your commercial tractors.

How Does Tractor Insurance Work?

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.

Why Should I Buy Tractor Insurance?

If you or your organization uses a tractor or multiple tractors for your daily business operations, having at least a third-party liability tractor insurance is mandatory as per the Motor Vehicle Act. This financially covers you from any losses and damage caused to a third-party due to a tractor owned by your business.

All businesses are prone to risks both big and small. However, if you’re an asset heavy business with several tractors being used for business operations, then getting a tractor insurance is the bare minimum you can do to protect all your tractors from own damages and losses- both to the tractor and the driver-owner itself.

Insuring your tractor ensures you are protected against unforeseen, hefty losses thus preventing any kind of business downtime that is likely to arise during natural calamities, and fires.

Why Choose Commercial Tractor 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!

Key Features of Tractor 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

What's Covered in Tractor Insurance by Digit?

Accidents

Damages and losses caused to the tractor due to an accident.

Theft

Any damages and losses caused to the tractor in the case of a theft.

Fire

Any damages or losses caused to the tractor in an unfortunate case of fire.

Natural Disasters

Any damages and losses caused to your tractor due to floods, earthquakes and other natural calamities.

Personal Accident

Covers for any personal injuries or death of the owner-driver of the tractor.

Third Party Losses

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.

Towing Disabled Vehicles

Covers for any damages caused to your tractor in cases where it's being towed.

What’s Not Covered in Tractor Insurance by Digit?

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:

Add-ons Covers Available with Tractor Insurance by Digit

Digit offers the following 7 add-ons with the tractor insurance policy to provide enhanced protection for miscellaneous and specialised commercial vehicles.

Additional Coverages or Endorsements Available with Trailer Insurance by Digit

You also get optional covers for tractor insurance for enhanced coverage to protect in all circumstances. These include:

Personal Accident Cover
Legal Liability Cover
IMT 23 Cover
Electrical Accessories Cover
Non-Electrical Accessories Cover
Special Exclusions & Compulsory Deductibles Cover

How Add-on Covers Helps You Align Your Business Needs?

Accidents can put your commercial vehicle out of action for weeks, leading to significant financial setbacks. Enhancing your Commercial Vehicle Insurance policy with appropriate add-ons can provide additional layers of security. For instance, the Return to Invoice Cover ensures you receive the original invoice value in case of total loss or theft.

Tractor Insurance Plans by Digit that Fit Your Needs

Third-Party Plan

A Third-party insurance is one of the most common types of tractor insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.

Comprehensive Plan

A Comprehensive insurance is one of the most valuable types of tractor insurance that covers both third-party liabilities and damages to your own tractor as well.

Difference between Third-Party vs Comprehensive Tractor Insurance

Liability Only

Standard Package

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	✔	✔

Third Party Insurance Premium for Tractors

Here is the tractor 3rd party insurance price for commercial tractors in India. This tractor insurance price list is fixed by IRDAI.

Vehicle Type	Premium Rate (effective 1st June 2022)
Agricultural Tractors up to 6 HP	₹910
Miscellaneous & Special Type of Vehicles (Class-C)	₹2485

How to Buy/Renew Tractor Insurance Online with Digit?

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.

What are the Factors Affecting Tractor Insurance Premium?

Type of Insurance Plan: Your tractor insurance premium price will depend on the kind of plan you choose, like a Liability Only policy will have less premium as compared to Standard Package policy premium.
Model & Make of the Tractor: The model, make and engine of the vehicle are extremely important in determining the right insurance premium. Therefore, your tractor insurance price will significantly depend on the model and make of your tractor, type of fuel, its manufacturing year and other additional features.
Location: The place you register and use your tractor also helps decide your tractor insurance premium. For example, in metropolitan cities more traffic leads to more accident rates, leading to a higher premium.
No-Claim Bonus: If you’ve not made claims in your previous policy years, you can claim a discount on your tractor insurance renewal using the ncb.

Digit Tractor Insurance helps you stay financially secure if your tractor faces damage due to accidents, natural disasters, or theft. You can choose a plan that suits your vehicle, file claims easily through your smartphone, and get repairs done at cashless garages. With a smooth process, helpful support, and clear coverage options, Digit makes tractor insurance simple and reliable—so you're prepared when the unexpected happens.

FAQs about Tractor Insurance in India

All

Does a tractor insurance also cover for the driver?

Yes, a tractor insurance covers for both the vehicle, and the owner-driver.

Can I insure all my tractors under one policy?

No, each tractor is required to have its respective insurance policy. However, you can get in touch with us for a customized quote to insure all your tractors at a reasonable premium price.

Is it mandatory to insure tractors?

Yes, according to the Motor Vehicle Act, it is mandatory to at least have a tractor third-party insurance policy for your tractors to run legally on Indian roads. Moreover, the risks with respect to tractors are high and it is therefore advisable to get maximum protection for the same.

What is the difference between a third-party tractor insurance and a comprehensive tractor insurance policy?

A tractor insurance third-party plan is the one that only protects you from losses caused to a third-party (property, vehicle or person) whilst a comprehensive tractor insurance policy covers both damages to a third-party and losses to your own tractor as well. Such as in the case of natural calamities, accidents, fires and thefts.

How much does tractor insurance cost?

This will primarily depend on the type of tractor and the city you operate it in. You can easily calculate your tractor insurance premium considering factors like its model/make, No Claim Bonus, and the type of insurance plan you’ve opted for.

How can I buy tractor insurance online from Digit?

To buy the best tractor insurance policy, visit the Digit website or app, provide your details, select insurance plan, complete KYC, make payment, and you’re done!

How to get the lowest tractor insurance rates?

To get the lowest tractor insurance price, first ensure to compare tractor insurance prices online from different insurers, get the right IDV and opt for only the required add-ons.

Can I insure a tractor that I have imported personally?

Yes, you can insure a personally imported tractor in India; however, the imported tractor should be available in India as a standard production model and should be registered in India.

Will my tractor insurance cover the vehicle if I use my tractor for personal purposes?

Most insurance companies do not cover the commercial tractor if you use it for personal reasons. However, it is best to check the same with your insurance provider.

Will my insurance policy be still valid if I sell my tractor to someone else?

Yes, if you’re selling your tractor to someone else, you can transfer your existing commercial tractor insurance policy to the new buyer, and it will still be valid.

How much is the tractor third-party insurance premium?

In India, IRDAI has fixed the tractor 3rd party insurance price, which is ₹910 for agricultural tractors up to 6 HP and ₹2485 for Miscellaneous & Special Type of Vehicles (Class-C).

What should I do in case my tractor is damaged in an accident?

In such a situation, call us immediately on 1800-258-5956 or drop us an email at hello@godigit.com and we will help you from thereon.

Where can I repair my tractor if it gets damaged due to an accident?

In case your tractor is insured by Digit, you can check our network of garages and get your tractor repaired from any of our 1400+ garages, spread across India. You can also get your tractor repaired at another garage of your choice and get the required amount reimbursed from us.

Which insurance is the best for tractors?

A comprehensive tractor insurance plan is the best as it covers your injuries and loss or damage to your own tractor. It covers your tractors against third-party liabilities as well and allows you to opt for different add-ons.

How to buy the best tractor insurance policy?

To get the right insurance policy for tractor, check and get the right IDV, consider the add-ons available, go for an insurance company with a quick claims settlement record, consider services such as 24x7 customer support and a wide network of cashless garages, among others.

Can I insure an old tractor?

Yes, you can buy insurance for an old tractor, no matter how old it is. However, the tractor insurance premium price for an old tractor would be higher than a new tractor due to more risk factors involved.

How does life insurance help my family if I die in a tractor accident?

Life insurance pays a lump sum to your family if you pass away, regardless of how. Tractor insurance won’t cover personal loss unless you have a rider. Life insurance ensures that your loved ones are financially secure, even in the most tragic situations.

Is term insurance useful for tractor owners?

Absolutely. Tractor owners often work in risky environments. Term insurance offers high coverage at low cost and protects your family financially if something happens to you. It’s especially important if you’re the main income earner.

Does tractor insurance cover hospital bills if I’m injured while working?

No. Tractor insurance may include personal accident cover, but it’s limited. For full hospital expenses, you need health insurance. It covers everything from emergency care to long-term treatment, essential for those working in fields or remote areas.

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Written By:

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.

Reviewed By:

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.