Trailer Insurance Online
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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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Check Trailer Insurance Renewal Price & Renew Policy Online 2025

Trailer insurance is a type of commercial vehicle insurance that is designed to financially safeguard anyone who owns or uses a trailer for commercial purposes. Trailer insurance policy provides coverage against a variety of risks, including theft, damage, and liability. 

So, by having a trailer insurance plan, you can protect your investment and ensure peace of mind while on the road. This is why here is a detailed guide for trailer insurance price, renewal, importance, and more. 

Table of Contents

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What is Trailer Insurance?

Trailer insurance is a specialized commercial vehicle insurance policy that provides coverage for trailers used for various purposes like transportation, construction, recreational, etc. It offers financial help to the policyholder against damages or losses incurred due to accidents, theft, natural calamities or third-party liability.

You can avail the trailer insurance policy by paying an affordable premium, and in return, benefit from financial protection in case of any damage to the vehicle.  

Note: Trailer Insurance in Commercial Vehicles has been filed as Digit Commercial Vehicle Package Policy - Miscellaneous & Special Types of Vehicles.

UIN Number: IRDAN158RP0003V01201819.

Why Do You Need Trailer Insurance?

Getting a trailer insurance is essential for several reasons, such as:

  1. As per the Indian law, trailer owners must have at least a Liability Only policy that covers damage to third party caused due to the trailer.
  2. Since trailers can be expensive to repair or replace, a trailer Insurance policy helps to minimise the financial burden in case of unforeseen situations.
  3. Owners of trailers can work worry-free, as with trailer insurance they know that they are financially protected in situations leading to financial loss caused by or to the trailer.

 

Why Choose Trailer 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!

Key Features of Trailer Insurance by Digit

Key Features Digit Benefit
Claim Process Paperless Claims
Customer Support 24x7 Support
Additional Coverage PA Covers, 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 Trailer Insurance?

Accidents

Accidents

Damages and losses caused to the heavy-duty vehicle due to an accident.

Theft

Theft

Any damages and losses caused to the heavy-duty vehicle in the case of a theft.

Fire

Fire

Any damages or losses caused to the heavy-duty vehicle in an unfortunate case of fire.

Natural Disasters

Natural Disasters

Any damages and losses caused to your 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 vehicle.

Third Party Losses

Third Party Losses

Covers for losses and damages caused to a third-party vehicle, property or person due to the insured heavy-duty vehicle, in the case of an accident or collision.

Towing Disabled Vehicles

Towing Disabled Vehicles

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

What’s Not Covered?

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

If you’re only going to go for a Third-Party Commercial Insurance for your commercial vehicle, then own damages and losses won’t be covered. 

Drunk Driving, or Driving without a valid Licence

If during a claim, the driver-owner is found to be driving the insured vehicle without a valid driver’s licence or under the influence of alcohol then the claim can’t be approved.

Contributory Negligences

Any damages or losses caused to the heavy-duty vehicle 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

Any damages or losses that aren’t a direct result of an accident, natural calamity or fire can’t be covered for.

Types of Trailer Insurance Coverages

Based on the type of heavy-duty vehicle and number of vehicles you want to insure; we offer two primary plans you can choose from.

1. Comprehensive or Standard Package Plan

Comprehensive commercial vehicle insurance for trailer covers your own commercial vehicle against damage or loss in an unfortunate accident. It also covers damage, loss, or injury to third parties caused due to your trailer. Therefore, with a trailer comprehensive plan you are financially protected against injuries, damage, natural disasters, and theft. 

You can further enhance your insurance coverage with this plan by opting for suitable add-ons available with CV insurance.

2. Third-Party or Liability Only Plan

Third-party liability only commercial vehicle insurance for trailers protects your vehicle only against damage, loss or injury to third-party property or person due to your vehicle. It is mandatory to have at least a third-party insurance policy in India. 

Also, IRDAI fixes the trailer third-party insurance price and no add-ons are available with this plan. 

Compare Coverages of Third Party vs Comprehensive Trailer Insurance

Based on the type of your heavy-duty vehicle and number of vehicles you want to insure, we offer two primary plans you can choose from.

Liability Only

Standard Package

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How to Buy Trailer Insurance Online?

Step 1

On the Digit App or website, enter the commercial vehicle’s registration number, mobile number, and click on ‘View Prices.’

Step 2

Select the plan, add-ons and IDV, and click on ‘Continue.’

Step 3

Enter your personal, nominee and vehicle details and click on ‘Pay Now.’

Step 4

Complete the payment and mandatory KYC verification process.

Step 5

You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App. 

Documents Required to Buy Trailer Insurance Online

To buy trailer insurance online from Digit, you only need the following 3 documents:

  • Vehicle Registration Certificate (RC)
  • Previous year commercial vehicle insurance policy, if applicable
  • Any document among these for KYC verification - PAN/Aadhar/DL/Voter id/Form 16/Passport

How to File a Claim?

To file a claim against trailer insurance online, follow these steps:

Step 1

Inform your insurer as soon as possible by calling Digit on 1800-258-5956 or dropping an email at hello@godigit.com.

Step 2

Keep your details handy such as policy number, location of the accident, date and time of the accident, and contact number of the insured/caller to make the process easier.

Step 3

Present the required documents required to file the claim and wait for the insurers to verify the details. Upon verifying, your claim will be processed.

How to Renew Trailer Insurance with Digit?

To do trailer insurance renewal online with Digit, follow the given steps:

Step 1

Go to Digit App or website and click on the ‘My Policy’ tab.

Step 2

Select the policy pending for renewal and click on ‘Renew Policy.’

Step 3

Now select the plan, IDV, add-ons and confirm the details, then click on ‘Pay Now.’

Step 4

You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

How to Download Your Trailer Insurance Policy on Digit App?

If you already have an active trailer insurance policy, you can easily download the policy document by following the given steps:

Step 1

On the Digit App, go to the ‘My Policies’ tab at the bottom. All your current active policies will be displayed.

Step 2

Choose the policy for which you want to download the document. Check the details and then click on ‘Download Policy’.

Step 3

Your trailer insurance policy document will be downloaded.  

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

What our customers have to say about us

Vikas Thappa

I had a wonderful experience while prossesing my vehicle insurance with Digit Insuarnce . It is so customer friendly equipped with apt technology. Claim got resorted within 24 hrs even without physically meeting any person. The customer centers handled my calls well. My special recognition to Mr Ramaraju Kondhana who was handled the case in a excellent way.

Vikrant Parashar

Really an fab insurance company which declared the highest idv value n staff is really courteus n i m totally complacent with the staff n specially credit goes to uves farkhun who timely infork me about various offers n benifits which push me to buy policy only from digit insurance n now i have decided to buy policy of another vehicle from digit insurance only bcs of many factors lyk cost-related and service-related.

Siddharth Murthy

It was a good experience of buying my 4th Vehicle insurance from Go-digit. Ms. Poonam devi explaining the policy well, as well as she knew what was the expectation from the customer and gave the quote according to my needs. And it was Hassle free to make the payment online. Special thanks to Poonam for getting this done Asap. Hope the Customer relationship team become better day by day!! Cheers.

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