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Commercial Vehicle Insurance
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About Us
At PolicyDigit, we are dedicated to helping you find the ideal insurance solution for your commercial vehicle—whether you’re purchasing a new policy or renewing an existing one. Our goal is to simplify the process and ensure you understand each step through clear, user-friendly communication. With a strong emphasis on transparency and integrity, we strive to deliver the highest standard of service. We value long-term relationships and are committed to guiding you through every stage of your insurance journey.
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Whether you’re looking to buy insurance online in India or need assistance with online insurance renewal, PolicyDigit is here to support you with personalized solutions and trusted guidance.
Why Choose Policydigit Vehicle Insurance?
Our customers are our highest priority, and we treat them with the attention and care they deserve.
Cashless Repairs
Our cashless repair facility allows you to have your vehicle fixed without worrying about immediate payments. It offers added convenience and peace of mind during stressful road situations.
24x7 Roadside Assistance
Add this helpful service to your insurance policy online and get on-the-spot help for flat tires, drained batteries, fuel shortages, and more. We're available around the clock to ensure your safety and mobility.
Smartphone-enabled Self Inspection
With our digital self-inspection tool, you can now inspect your vehicle yourself using just your smartphone. This “Self Video Inspection” process speeds up online insurance renewal and makes your experience seamless.
Customize your Vehicle IDV
You have the flexibility to tailor your vehicle’s Insured Declared Value (IDV) to fit your needs. Let us know your preferred coverage, and we’ll structure the plan accordingly—ensuring that your digital insurance in India journey is completely in your hands.
Claims Support
We stand by your side throughout the claim process, making sure you get timely and effective assistance when it matters most.
Policy Renewal
Never miss your renewal deadline again. Our dedicated team offers easy, hassle-free online insurance india renewals and reminders to keep your vehicle protected without interruption.
COMMERCIAL VEHICLE INSURANCE
Insurance for commercial vehicles shields you from financial loss due to accidents, liabilities, and other risks inherent to daily operations. Given the constant exposure of heavy-duty vehicles to road hazards, having comprehensive digital insurance in India is vital for business continuity and peace of mind.
COMPREHENSIVE VEHICLE INSURANCE
Comprehensive insurance provides all-around protection against a wide range of threats—be it theft, collision, or natural disasters. It ensures your vehicle is covered, regardless of fault, making it the best insurance policy in India for those seeking extensive coverage and confidence on every drive.
THIRD PARTY VEHICLE INSURANCE
Third-party insurance protects you from the financial responsibilities of damaging another person’s property or causing injury in an accident. This coverage ensures that you meet legal requirements while also safeguarding your finances in the event of an unfortunate incident. A must-have for every responsible driver in online insurance India.
Difference Between the Types of Car Insurance Policies in India
| COVERAGE | THIRD-PARTY INSURANCE | COMPREHENSIVE |
|---|---|---|
| Theft of four-wheeler | ✖ | ✔ |
| Accident-related damage/loss to your car | ✖ | ✔ |
| Damage caused by fire | ✖ | ✔ |
| Damage/loss caused by natural calamities like cyclones, floods, earthquakes, etc. | ✖ | ✔ |
| Damage/loss caused by man-made calamities like riots, strikes, vandalism, etc. | ✖ | ✔ |
| Damage to the property or vehicle of a third party | ✔ | ✔ |
| Accident-related injury or death occurring to a third party | ✔ | ✔ |
| Personal Accident Cover (if opted for) | ✔ | ✔ |
| Minimum legal requirement to drive on Indian roads | ✔ | ✔ |
- TPC- Third Party Insurance
- COMP. – Comprehensive
| COVERAGE | TPC | COMP. |
|---|---|---|
| Theft of four-wheeler | ✖ | ✔ |
| Accident-related damage/loss to your car | ✖ | ✔ |
| Damage caused by fire | ✖ | ✔ |
| Damage/loss caused by natural calamities like cyclones, floods, earthquakes, etc. | ✖ | ✔ |
| Damage/loss caused by man-made calamities like riots, strikes, vandalism, etc. | ✖ | ✔ |
| Damage to the property or vehicle of a third party | ✔ | ✔ |
| Accident-related injury or death occurring to a third party | ✔ | ✔ |
| Personal Accident Cover (if opted for) | ✔ | ✔ |
| Minimum legal requirement to drive on Indian roads | ✔ | ✔ |
SERVICES
Why PolicyDigit Commercial Vehicle Insurance?
Easy Online Process
Compare plans, customize coverage, verify details, buy insurance online in India, and download your policy—all with just a few clicks.
Lowest Premium
Enjoy quality protection at budget-friendly rates. Find your ideal plan at the most affordable premium through a trusted online insurance company in India.
Helping Claim Settlement
We ensure speedy and smooth claim processing, giving you timely resolutions when you need support the most.
Types of Insurance
We provide a wide range of plans, including health, life, auto, home, renters, travel, business, disability, motorcycle, and flood insurance.
Communication
Need to purchase a new policy? Or due for a renewal? We’ll notify you 30 days in advance and assist with every step of your online insurance renewal.
Ensuring data security
Your privacy is paramount. We handle your personal information with strict data protection protocols, making sure your digital experience is safe.
Not Covered Vehicle Insurance policy?
Intentional Damages
Wear & Tear
Illegal Driving
CLIENT’S LOVE
Reflection of a customer’s experience with our company’s services.4
4.9 + Ratings
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FREQUENTLY ASKED QUESTIOINS
It’s like a promise between you and an insurance company. You pay them money (called a premium), and they promise to help if something bad happens to your car, like a crash or theft.
Think of it like a safety net. If something happens to your car, insurance can help pay for the repairs so you don’t have to pay everything yourself.
There are different types, but the main ones are: one that helps pay if you damage someone else’s car or property (liability), one for your own car if you crash (collision), and one for stuff like theft or storms (comprehensive).
The price depends on things like how old you are, if you’ve had any accidents before, and what kind of car you have.
Nope, in most places, you have to have insurance to drive legally. If you’re caught without it, you could get in trouble.
First, make sure everyone’s okay. Then, call the police if it’s serious. After that, you need to tell your insurance company what happened.
You can try to keep your driving record clean, choose a higher deductible, and see if your insurance company offers any discounts.
If you move to a new state or even a new neighborhood, your insurance might change because different places have different rules and risks. You’ll need to update your insurance with your new address.
Choosing a higher voluntary deductible can sometimes lower your insurance premium (the amount you pay for insurance). It’s a way to save money on your premiums, but it means you’ll have to pay more upfront if something happens to your car.
- Take pictures: Use your phone to take pictures of the accident scene, including any damage to your car and the other car(s) involved.
- File a claim: Contact your insurance company as soon as possible to report the accident and file a claim. They’ll guide you through the process and tell you what information they need from you.
- Review Settlement: Once your claim is processed, your insurance company will either approve your claim and provide compensation or deny it if it doesn’t meet the terms of your policy. Review the settlement offer carefully and ask questions if you’re unsure about anything.
- Follow up: Stay in touch with your insurance company and provide any additional information they ask for. They’ll work with you to get your car repaired and handle any other issues related to the claim.
- Keep Records: Keep copies of all documents related to your claim, including correspondence with your insurance company, receipts for repairs, and any other relevant information. These records may be helpful in case of future disputes or claims.
