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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.
Commercial vehicles such as trucks and lorries are extremely useful in logistics and for transporting goods, which makes it important to secure these commercial vehicles with the best truck insurance policy.
Here’s everything you need to know about buying/renewing insurance of truck in India in 2025.
Truck insurance is a type of commercial goods carrying vehicle insurance policy customized to insure trucks that are used within business functions such as for trucks used for delivery purposes, pick-ups and goods transportation, amongst others.
Truck insurance is vital for any business as it financially protects the commercial trucks and lorries from any damage that can be caused due to accidents, collisions, natural calamities, fires, and thefts.
The significant size and weight of trucks and the higher risk of accidents can result in more severe damage and injuries in the event of an accident. So, Digit truck insurance online policy comes with better coverage, more additional endorsements and affordable 6-wheeler truck insurance price.
Truck 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 truck insurance plan, including the appropriate add-ons that suit your needs and budget
Buy or Renew Policy
As per your chosen truck insurance plan, you can buy or renew auto rickshaw insurance online instantly with Digit
Pay Premium
After purchasing the policy, you have to pay regular payments or truck 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.
Protects Your Truck Business - If you’re running a business, chances are you have at least one or more trucks as part of your operations. So, having insurance of trucks means your business is protected from any losses that can be caused due to any minor or major accident, collision and even natural calamity. This also means you’ll avoid any possible downtime, maintain a profit margin and can instead spend money on your business growth.
Mandatory by Law - As a mandate by law, it is compulsory to at least have a Liability Only policy in place that protects third parties against any damage and losses that could be caused by your truck. However, given the risks trucks can be faced with, it’s always better to have a standard package policy that will protect your own truck and owner-driver as well.
Ensures Passenger Safety - Get lorry insurance online to ensure the safety of your passengers. You have the option to opt for a passenger cover if you take a Comprehensive Commercial Vehicle Insurance. This won’t only ensure your passengers are protected too but gives you more credibility as a responsible business and/or driver.
We treat our customers like VIPs, know how…
With us, you can customize your vehicle IDV as per your choice!
24*7 call facility even on National Holidays
Smartphone enabled self-inspection processes takes minutes!
When it came to motor insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 96% of motor claims settled seamlessly and we make this simple with:
Smartphone-enabled self-inspection process, with which you can file your claim in minutes!
Cashless Claims at over 9000 garages in India, so you can get your two-wheeler fixed without stress.
Everything digital and paperless. No need for hard copies—just upload everything on our app, and you're all set!
Damages caused to the truck in case of an accident
Loss or damage to the truck due to theft
Damages caused to your truck due to a fire
Damages caused to your truck due to any natural calamity
If there is an accident of your truck, leading to an injury or death of the driver
Any damages caused by your truck to a third-party person, vehicle or property
Any damages caused by your truck during vehicle towing
It is equally important to know what’s not covered in your commercial insurance policy for truck so that there are no surprises when you make a claim. Here are some such situations:
In the case of a Third-Party Liability Only Policy, damages to own vehicle won’t be covered.
If the owner-driver of the claimed for truck is drunk or driving without a valid licence.
Any damage caused due to a contributory negligence of the owner-driver (such as driving when there’s an existing flood)
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged truck is being used incorrectly and the engine gets damaged, it will not be covered)
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Digit offers the following 8 add-ons with the truck insurance policy to provide enhanced protection.
Get this consumable add-on if want to cover the cost of your truck’s bits and pieces, like its nuts and bolts, screws, engine oil, and grease in case of damage or loss due to an accident.
If you have zero depreciation add-on cover, then the depreciation on your vehicle and its components will not be deducted at the time of claim. This means you can claim the total cost of replacement of damaged truck parts and save a huge amount.
This add-on covers any consequential damage caused to your vehicle's engine or gearbox after the accident, which may occur due to water regression or leakage of lubricating oil.
In case your truck faces a breakdown on the road due to an accident, flat tires, malfunctioning battery, or any other factor, Digit will have your back with the breakdown assistance add-on as it assists you 24x7.
If you or your business face any loss of income when your truck is not in service and is being repaired due to damage, this add-on will compensate you for that amount, as per your lorry insurance policy.
As the name suggests, this add-on compensates you for the additional expenses incurred when your truck is being transported from the accident spot to the nearest garage or place of safety.
In case your business faces a loss when your damaged truck is getting repaired in a garage, this add-on comes in handy. EMI Protection cover helps you pay regular EMIs to the financier of the vehicle recorded with the insurer, if your commercial truck is on loan.
You also get optional covers for lorry insurance online for enhanced coverage to protect in all circumstances. These include:
Your lorry insurance online policy should have a PA cover to protect you for bodily injury or death of the owner-driver in case of an accident. Also, having personal accident cover is compulsory by law in India.
Passengers in the insured truck at the time of any accident are safeguarded against any injuries with the help of this add-on cover.
Protect your truck and the business for which the insured truck is used, against any legal liability that may arise due to an injury caused to your employees or someone who works for you, by getting this cover.
This add-on cover protects your truck against any loss or damage to insured vehicle’s lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork in all cases, even in case of partial damage.
All electrical accessories fitted in your insured truck, which is not a part of the manufacturer’s model, are covered under this add-on.
All non-electrical accessories fitted in your insured truck, which is not a part of the manufacturer’s model, are covered under this add-on.
This add-on helps reduce your premium as you only have to pay a certain amount as your share of the loss, called the compulsory deductible. Additionally, it also covers the loss or damage to truck’s lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork if your vehicle is completely damaged.
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Damages caused by your truck to any third-party person or property. |
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Damages caused to any third-party person or property by the vehicle being towed by your insured truck. |
✔
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Loss or damages to own truck due to natural calamities, fire, theft or accidents. |
×
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Injury/death of truck owner-driver If the owner-driver doesn’t already have a Personal Accident Cover from before |
✔
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18 Aug 2024
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18 Sep 2024
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12 May 2024
Subasish Mohapatra
Here is the truck insurance price list for third-party policy, which is fixed by IRDAI as of 2024.
Enter Truck Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of Truck 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 Truck 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 auto rickshaw insurance coverage you had for the previous policy term, typically valid for one year. It includes details like:
Documents for KYC Verification
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.
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.
At Digit, we believe filing a motor insurance claim should be simple, not stressful. That’s why we’ve built intelligent automation into every step of the process—so you can get back on the road, faster.
In H2 FY25, our average vehicle repair approval time was 15 hours and 36 minutes, with 69% of approvals completed within 12 hours. Only 7.47% of cases experienced longer wait times, typically due to complex assessments or the need for additional documentation, highlighting our commitment to minimising delays and maximising efficiency.
Rest assured, we carefully monitor every step to ensure your vehicle is back on the road as swiftly as possible!
The below data is for all the products as given in the table below.
That’s how many times we showed up for our customers in FY 2024–25. Behind each of those numbers is a mishap, and we were right there, making sure things got sorted quickly.
Out of these, nearly ₹6.52 lakh were motor insurance claims alone—proof that we’re there when it matters most, whether it’s something trivial or serious.
From minor hiccups to major emergencies, we made sure our customers didn’t have to carry the financial burden alone. Quick settlements, zero confusion, and real peace of mind.
Of this, ₹2,199 crore was paid out under motor insurance, covering everything from accidents to unexpected situations like rat damage.
Out of 9.16 lakh claims in FY 2024–25, only 256 were escalated to the Hon’ble Ombudsman^. Out of which only 46# were escalated and ruled in favour of the customer. This significantly proves the claim's accuracy rate of 99.9950%.
For Motor Claims, out of 256 escalated claims for Digit, just 124 were motor-related. By year-end, 104 motor claims were closed, with 28 resolved through mediation. Only 26 health claim decisions went in favour of customers.
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost, and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
All trucks used for commercial purposes can be covered under Digit’s Commercial Vehicle Insurance. These trucks can be broadly classified into the following:
Yes, according to the Motor Vehicle Act, it is mandatory for all vehicles to at least purchase a Liability Only policy, one that protects and covers for financial losses in case your truck causes damages and losses to a third-party vehicle, property or person. Without a basic truck insurance in place, none of your trucks will be legal to drive around India.
However, owing to the huge size and frequent use of trucks, a Standard Package Policyis the best for truck-business owners, that will not only protect third-party damages but also cover for losses caused to one’s truck and the owner-driver.
Given the number of options available today, it is important to pick an insurance that is simple, reasonable, protects and covers you and your business in all possible situations and most importantly, guarantees to settle claims as soon as possible. After all, that’s the most important part of insurance!
Here are a few tips that will help you pick the right insurance for your truck:
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It can be tempting to pick the cheapest truck insurance available. However, while comparing commercial vehicle insurance quotes, consider factors such as service benefits and claim settlement periods.
Depending on your type of vehicle, trucks used for commercial purposes can be prone to a lot of risks.
Therefore, weighing in important factors is important to ensure your vehicle and business are safeguarded against all the odds:
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Model, Engine & Make of the Truck: When it comes to any kind of motor insurance, the model, make and engine has a big role to play in determining the right truck insurance price! Similarly, your make, model and manufacturing year of the truck too will have an impact on your truck insurance premium.
Type & Purpose of Truck: There are a variety of trucks businesses use for different purposes. Your truck insurance premium could range on different scales, depending on the type of truck and its purpose. For instance, a goods carrying truck will have a higher insurance premium than that of a small pick-up truck. This is because a goods carrying truck would be larger and liable on the value of goods it carries.
Location: The location of your truck will obviously have a huge role to play in deciding your truck insurance premium. So, whether your truck is registered and will operate in a metropolitan city, hilly area or a small city. All these factors would be considered in deciding your truck insurance premium.
No-Claim Bonus: If you’ve already had truck insurance before and are currently looking to renew your policy or get a new insurer- then in this case your no claim bonus will also be considered, and your premium will be at a discounted rate! A No-Claim Bonus means the insurer hasn’t had a single claim in the previous policy term.
Type of Truck Insurance Policies: Your truck insurance premium will depend on the kind of plan you choose. While the compulsory, liability only plan comes with a lesser premium- it only covers third-party damages or losses caused to a third-party and personal accident of the owner-driver. Whereas a standard package policy may be higher in premium but would also cover damage and losses to our own truck and its driver respectively.
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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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