Commercial Vehicle Insurance
Covers vehicles used for transporting goods or passengers with comprehensive protection and legal compliance for business operations.
Essential Protection for Your Commercial Operations
Commercial vehicle insurance provides financial protection for trucks, buses, taxis, auto-rickshaws, and more — covering losses from accidents, theft, fire, natural calamities, and third-party liabilities arising from business operations.
Types of Commercial Vehicles
Goods-Carrying Vehicles
Trucks, tankers, trailers, and vehicles used for transporting goods and materials for business purposes.
Passenger-Carrying Vehicles
Buses, school vans, taxis, auto-rickshaws, and vehicles used for transporting passengers commercially.
Why Get Commercial Insurance?
Legal Obligation
Third-party insurance mandatory under Motor Vehicles Act 1988 to operate any commercial vehicle.
Financial Security
Safeguards vehicle and business from significant losses due to accidents, theft, or natural disasters.
Third-Party Protection
Covers financial and legal liabilities for injury, property damage, or death involving your vehicle.
Business Continuity
Ensures operations continue with financial support for vehicle repairs or replacement.
Specialized Add-ons
Goods-Carrying Vehicles
Legal Liability (Driver)
Covers liability for employed drivers/loaders on duty
Goods-in-Transit Cover
Covers damage to transported goods during transit
PA Cover for Driver
Covers driver injuries or death while on duty
IMT 23
Excludes minor parts unless major damage occurs
IMT 47
Covers additional electrical/electronic accessories
Passenger-Carrying Vehicles
PA for Passengers
Covers accidental injuries to passengers in vehicle
School Bus Add-ons
Tailored PA & driver cover for school operations
Trailer Cover
Covers attached equipment and trailer liability
Coverage Includes
Eligibility Criteria
Buy or Renew Online
Fill Vehicle Details
Provide make, model, registration, and business use details.
Compare Quotes
Select best plan from available commercial vehicle insurance options.
Pay & Get Policy
Pay online — UPI/card/net banking. Instant policy via email.
Key Benefits
Claims Process
Immediate Action
Ensure safety, inform police, file FIR. Take photos and note details.
Notify Insurer
Inform insurance provider with all incident details immediately.
Vehicle Assessment
Network garage inspection. Surveyor examines damage (1-2 days).
Repair & Settlement
Cashless at network garage or reimbursement after repair.
Frequently Asked Questions
Other Motor Insurance Products
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Instant digital policy issuance • 24/7 support • Zero paperwork claims