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What is Truck Insurance?
Truck insurance is a type of commercial vehicle insurance that protects the owners and operators of commercial trucks from damages and losses that could be caused due to accidents, collisions, natural calamities, fires and malicious acts. Also covers the truck from both own mandatory third party liabilities.
What kind of Different Truck Insurance?
Trailer Truck Insurance
Trailer truck insurance is a specialized type of commercial vehicle insurance designed to provide comprehensive protection. It protects your trailer from damage or loss due to accidents, theft, fire, vandalism, and natural disaster. It can also cover medical expenses.
Loader Truck Insurance
Comprehesive loader insurance policy equally looks after causes damages and the interest of both driver and owner. These policies address the unique risk associated with operating trucks equipped with loaders which are often used in landscaping, construction and other heavy duty applications.
Tippers Truck Insurance
Tipper truck insurance is a specialized form of commercial vehicle insurance designed to cover vehicles used for transporting and dumping loose materials such as sand, gravel, or demolition waste. These trucks are integral to the construction, landscaping, and mining industries. Due to their specific functions and the risks associated with their operation, tipper trucks require comprehensive insurance coverage tailored to their unique needs.
Tanker Truck Insurance
Tanker truck insurance is a specialized type of commercial vehicle insurance designed for trucks that transport liquids or gases. These vehicles, often referred to as tankers, carry a variety of substances, including fuel, chemicals, water, milk, and other hazardous or non-hazardous materials. Because of the unique risks associated with transporting such cargo, tanker trucks require comprehensive insurance coverage tailored to their specific needs.
Dumper Truck Insurance
Dumper truck insurance is a comprehensive insurance policy designed to cover liabilities and own damages associated with dumper trucks. These type of trucks are used at construction site and where risk is high.
Why Should I Buy Commercial Truck Insurance?
Commercial truck insurance shield your business from collateral damage and protects your vehicle from financial loss due to unprecedented circumstances.
Why Choose Commercial Truck Insurance from Policy Digit?
Policy Digit offers comprehensive commercial truck insurance known for competitive pricing and extensive coverage options.We stand to be a reliable company in the motor insurance domain in the country. It is our aim to deliver the best to you and ensure that we have got you covered at all times. Our policies are tailored to meet specific business needs, providing peace of mind and financial security.
What's Covered in Truck Insurance?
What's Not Covered in Truck Insurance?
Key Features of Commercial Truck Insurance by Policy Digit
Customizable Plans
Tailored to meet specific trucking business needs.
24/7 Customer Support
Efficient claims processing to minimize downtime.
Additional Coverage Options
Roadside assistance, rental reimbursement, and more.
Competitive Premiums
Affordable pricing with flexible payment options.
Damage Cover
We provide cover if your car is damaged partially or completely due to any natural calamities (such as; fire, explosion, self-ignition/lightning, earthquake, flood, etc.) or man-made calamities (such as; burglary, theft, riot, strike,terrorist activity, damage in transit by road, rail.
No Claim Bonus
Based on your previous claim history, you are eligible for an attractive No Claim Bonus (NCB). If you do not make any claims in the preceding year or years, you are entitled to an NCB on the Own Damage (OD) section of the policy
Types of Commercial Truck Insurance Plans
- Primary Liability Insurance: Covers damages to others caused by your truck.
- Physical Damage Insurance: Covers damage to your own truck.
- Cargo Insurance: Covers damage to goods being transported.
- Non-Trucking Liability Insurance: Covers your truck when not on dispatch for the motor carrier.
How to Claim?
Unexpected events happen on the road, and when they involve your commercial vehicle, downtime can be a major financial setback. PolicyDigit understands the critical role your vehicle plays in your business. That’s why we offer a streamlined claims process to get you back on the road quickly and minimize disruption.
What We Cover:
- Accidents: Collisions with other vehicles or objects, rollovers, and hit-and-run incidents.
- Theft: Partial or complete theft of your vehicle.
- Vandalism: Damage caused by vandalism or malicious acts.
- Fire & Explosion: Damage caused by fire, lightning, or explosion.
- Natural Disasters: Damage caused by floods, hail, storms, or other natural disasters (refer to your policy wording for specifics).
Fast and Hassle-Free Claims Process:
- Report the Incident: Always contact the police immediately to file a report in case of an accident or theft. This report is crucial for your claim.
- File Your Claim: We offer two convenient ways to file your claim:
- Online: Submit your claim details and photos of the damage through our secure online portal (link to online claim form). This is the fastest and easiest way to initiate your claim.
- Offline: Download the claim form (link to claim form) and submit it along with the required documents (listed below) to your nearest PolicyDigit partner branch office.
Required Documents:
- Completed and Signed Claim Form: Ensure all details are accurate and the form is signed by an authorized representative of your company.
- Registration Certificate (RC) photocopy: A clear copy of your vehicle’s Registration Certificate is mandatory.
- Driver’s License photocopy: Provide a photocopy of the valid driving license of the driver involved in the incident.
- Valid Fitness Certificate photocopy: A copy of your vehicle’s most recent fitness certificate is required.
- Police Report (FIR): In case of accidents involving third-party injury/death or property damage, a copy of the FIR is essential.
- Dedicated Claims Representative: Once you file your claim, a dedicated claims representative from PolicyDigit will contact you to discuss your claim details and guide you through the next steps. This includes arranging for repairs (if applicable) and ensuring a smooth claims settlement process.
For any other inquiries, kindly call us at +91-95993 25774 or mail us at Support@policydigit.com.
Taxation through Policy Digit
Dear Customer,
We are pleased to inform you that our website, www.policydigit.com, now offers Vehicle tax payment services. You can conveniently manage and pay your taxes through our platform, ensuring a seamless and efficient experience.
Click Below to Submit the Taxation form
FREQUENTLY ASKED QUESTIOINS
Factors such as driver experience, truck value, cargo type, and driving history can impact insurance premiums.
Yes, many policies allow adding multiple drivers, though their driving records will affect premiums.
Yes, discounts may be available for good driving records, fleet policies, safety equipment installations, and more.
You can potentially reduce premiums by maintaining a good driving record, investing in safety features for your trucks, and bundling policies with the same insurer.
Vehicle insurance companies in India have tie-ups with authorized garages across the country. Such tie-ups can help the policyholder avail of certain benefits in case of emergencies. One of these benefits is the cashless repair facility. This service gives assurance that in case the vehicle of the insured has damaged and needs urgent repair; the will coordinate and pay the expenses on behalf of the insured.
