Commercial Vehicle Insurance for Your Business
Policies for trucks, taxis, tempos, buses, autos and fleets. Keep your vehicles on the road and your business safe.
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Overview
About commercial vehicle insurance
If a vehicle earns money for you, it needs a commercial policy. A private-car or private-bike policy does not cover business use, and a claim can be rejected.
Commercial vehicle insurance covers goods vehicles, passenger vehicles and special vehicles. It pays for damage to your vehicle and for legal liability to other people, as per your policy.
What is covered
- Own damage from accident, fire, theft and natural calamities
- Third-party liability for injury, death and property damage
- Personal accident cover for the owner-driver
- Legal liability to paid driver or cleaner (where offered, check policy)
- Add-ons like zero depreciation or roadside help (terms vary by insurer)
What is not covered
- Goods carried in the vehicle (this needs a separate transit cover)
- Wear and tear and breakdown
- Driving without a valid commercial licence
- Overloading or use outside the permit
- Damage when the policy has expired
Good to know
What to check before you buy
- Tell the insurer the real use of the vehicle (goods, passengers, school, hire).
- Keep permit, fitness certificate and driver licence valid.
- Think about a fleet policy if you run many vehicles.
- Keep records of repairs and trips. They help during claims.
How we help
Simple steps to get covered
Share your details
Fill the short form with your name, mobile number and vehicle type. It takes about a minute.
Get your options
We call you, ask a few simple questions and explain the plans that fit your vehicle and budget.
Choose and stay covered
Pick the plan you like. We help with the papers, and with renewals and claims later.
Related guides
Read more before you decide
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FAQs
Questions about commercial vehicle insurance
Which vehicles need commercial insurance?
Taxis, cabs, trucks, goods carriers, buses, vans for hire, auto rickshaws, e-rickshaws and similar vehicles used for business.
Can I use a private policy for a commercial vehicle?
No. A private-vehicle policy is not valid for commercial use. Use the correct commercial policy.
Does the policy cover the goods I carry?
Usually no. Goods in transit need a separate cover. Ask us about it.
Can I insure many vehicles under one policy?
Yes, a fleet policy can cover many vehicles under one plan with easier renewals.
What documents are needed?
Usually RC, permit, fitness certificate, driver licence, previous policy and ID proof.
Ready to protect your vehicle?
Share your details. We will call you with clear options and honest advice.