Digit Commercial Vehicle Insurance

These vehicles typically carry goods that need to be transported from one place to another (trucks, lorries, and tempos).

Miscellaneous & Special Vehicles Insurance

Other than cabs, trucks, buses and taxis, there many vehicles that are used for and by business. These include special vehicles for mining, construction, and farming. 

Features of Digit Commercial Vehicle Insurance

Coverage of Digit Commercial Vehicle Insurance

1. Accidents
2. Theft
3. Fire
4. Natural Disasters
5. Personal Accident
6. Third Party Losses
7. Towing Disabled Vehicles

Add-On in Digit Commercial Vehicle Insurance

This gives your commercial vehicle protection like cost for your vehicle's screws, nuts and bolts, engine oil, and grease in case of an accident. Parts Depreciation Protect Your vehicle and parts can depreciate over time.

The add-on ensures that the depreciation will be covered on replaced vehicle parts.  Engine and Gear Box Protect The vehicle's engine or gearbox can get damaged in an accident. The add-on helps you to cover consequential damages caused after the accident (but because of it).

Additional Towing Expenses When your vehicle is in an accident, it has to be towed. Under the add-on feature, the policy covers additional expenses that you would have. 

EMI Protection Cover If your vehicle has been taken on a loan and is damaged, it could mean a loss for your business. Through the add-on, you will be paid the EMIs payable to the financier of the vehicle.

Legal Liability This cover will protect you against any legal liability that could come against you due to an injury caused.  IMT 23 The cover helps cover for damages and losses to tyres, lamps, mudguards, tubes, side part bonnet, headlights, paintwork, and bumpers.

Electrical Accessories The cover is for you if you have any electrical accessory in your vehicle, which is not a part of the manufacturer's model.  Non-Electrical Accessories If you have fitted any non-electrical accessory in your vehicle and this is not a part of the manufacturer's model, the cover helps cover for these accessories.  

What is Not Included

1. Own Damages for Third-Party Policy holder

1. If there is a third-party or liability only bike policy, the damages to own vehicle will not be covered.

1. Drunk Riding or without a Licence and Add-ons not Bought

1. Your bike insurance claim will not be accepted if you were intoxicated while driving.

1. Consequential Damages and Contributory Negligence

1. All damages that are not a direct result of the accident. For example, after an accident, if the two-wheeler was used incorrectly and the engine is damaged.

1. A contributory negligence includes damage like driving a two-wheeler in a flood.

Types of Commercial Vehicle Insurance Policies