Commercial Vehicle Insurance
Keep your business moving, even after an accident.
Commercial vehicle insurance protects goods carriers, passenger vehicles and special vehicles. It also covers the driver and your liability to third parties, which is mandatory for every commercial vehicle on the road.
- Vehicles
- Goods, passenger, special
- Term
- 1 year
- Driver cover
- Personal accident included
- Fleet
- Single policy for many vehicles
Choose the commercial vehicle insurance that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Goods carrier
Trucks, tempos, pickups and tankers.
Passenger carrier
Taxis, cabs, school buses and tourist buses.
Special vehicles
Tractors, cranes and other miscellaneous vehicles.
Fleet policy
One policy for multiple vehicles, often at better rates.
Why people choose our commercial vehicle insurance advice
- Goods and passenger vehicles
- Fleet policies with discounts
- Driver and cleaner cover
- Fast claim support
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Own damage
- Third-party liability
- Personal accident for the driver
- Theft and fire
- Fleet owners and transporters
- Taxi and cab operators
- Businesses with delivery vehicles
- School and staff bus operators
- Overloading beyond permitted capacity
- Driving without a valid commercial licence
- Use outside the permitted area
Commercial Vehicle Insurance premium: what decides it?
Two people buying the same commercial vehicle insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Commercial Vehicle Insurance
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
9 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Vehicle RC
- Permit & Fitness Certificate
- Previous Policy Copy (for renewal)
Document Proof
10 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Vehicle RC
- Permit & Fitness Certificate
- Previous Policy Copy (for renewal)
Document Proof
9 items- Utility Bill (Electricity / Water)
- Bank Statement
- GST Certificate
- Company PAN Card
- MOA / AOA / COI
- Udyam Certificate
- Vehicle RC
- Permit & Fitness Certificate
- Previous Policy Copy (for renewal)
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Insure the full fleet under one policy for better pricing.
- 2Add cover for goods in transit if you carry valuable cargo.
- 3Keep permits and fitness certificates current to avoid claim issues.
Commercial Vehicle Insurance: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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