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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.
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.
Why Do You Need Trailer Insurance?
Getting a trailer insurance is essential for several reasons, such as:
- 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.
- Since trailers can be expensive to repair or replace, a trailer Insurance policy helps to minimise the financial burden in case of unforeseen situations.
- 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
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 Trailer Insurance by Digit
What's Covered in Trailer Insurance by Digit?
Accidents
Damages and losses caused to the heavy-duty vehicle due to an accident.
Theft
Any damages and losses caused to the heavy-duty vehicle in the case of a theft.
Fire
Any damages or losses caused to the heavy-duty vehicle in an unfortunate case of fire.
Natural Disasters
Any damages and losses caused to your vehicle due to floods, earthquakes and other natural calamities.
Personal Accident
Covers for any personal injuries or death of the owner-driver of the vehicle.
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
Covers for any damages caused to your vehicle in cases where it's being towed.
What’s Not Covered in Trailer Insurance by Digit?
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.
Trailer Insurance Plans by Digit that Fit Your Needs
Third-Party or Liability Only Plan
Comprehensive or Standard Package 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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Damages caused by your heavy vehicle to any third-party person or property. |
✔
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✔
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Damages caused to any third-party person or property by the vehicle being towed by your insured heavy vehicle. |
✔
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✔
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Loss or damages to own heavy vehicle due to natural calamities, fire, theft or accidents. |
×
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✔
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Injury/death of heavy vehicle owner-driver If the owner-driver doesn’t already have a Personal Accident Cover from before |
✔
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✔
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How to Buy/Renew Trailer Insurance Policy with Digit?
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.