Commercial Vehicle Insurance provides financial protection for vehicles used for business or commercial purposes. It covers losses due to accidents, theft, natural calamities, and third-party legal liabilities.

Commercial vehicle insurance is mandatory by law and helps keep your business operations running without interruption.

With My Insurance Sathi, you get expert guidance, reliable coverage options, and complete support from policy purchase to claim settlement.

🔹What Is a Commercial Vehicle?

• A commercial vehicle is any vehicle used for transporting goods or passengers for business purposes, including:
• Goods carriers (truck, tempo, pickup, tipper)
• Passenger vehicles (auto, taxi, cab, bus)
• Special purpose vehicles (tanker, crane, construction vehicles)

🔹Types of Commercial Vehicle Insurance

• Comprehensive Commercial Vehicle Insurance
• Covers damage to your own vehicle
• Covers third-party injury or property damage
• Covers accidents, theft, fire, and natural calamities
• Recommended for complete business protection
• Third-Party Commercial Vehicle Insurance
• Covers legal liability for injury, death, or property damage to a third party
• Mandatory as per law
• Does NOT cover damage to your own vehicle
• Standalone Own Damage Policy
• Covers damage to your own commercial vehicle only
• Available if a valid third-party policy already exists

🔹What Is Covered

• Accidental damage to the insured vehicle
• Theft or burglary
• Fire, explosion, and self-ignition
• Natural calamities such as flood, earthquake, cyclone
• Riots, strikes, and malicious acts
• Third-party property damage
• Third-party injury or death

🔹What Is Not Covered

• Driving under the influence of alcohol or drugs
• Driving without a valid license or permit
• Normal wear and tear
• Mechanical or electrical breakdown
• Overloading beyond permitted limits
• Damage after policy expiry

🔹Add-On Covers (Optional)

• Zero Depreciation Cover
• Engine & Gearbox Protection
• Roadside Assistance
• Legal Liability for Paid Driver
• Passenger Cover (where applicable)
• IMT Endorsements (as applicable)
• (Add-ons help reduce out-of-pocket expenses during claims)
• Benefits of Commercial Vehicle Insurance
• Protects your business from major financial losses
• Helps meet legal and regulatory requirements
• Covers third-party legal liabilities
• Access to network garages for repairs
• Ensures smooth and uninterrupted business operations

🔹Why Choose My Insurance Sathi

• Expert insurance guidance
• Multiple insurer options
• Transparent process
• Fast policy issuance
• Renewal reminders
• Complete claim support

🔹Documents Required

• Registration Certificate (RC)
• Vehicle permit (if applicable)
• Previous insurance policy (for renewal)
• Vehicle and owner details
• KYC documents

🔹How to Buy or Renew

• Share vehicle details
• Get suitable insurance options
• Choose coverage and add-ons
• Make secure payment
• Receive policy instantly via WhatsApp or Email
• Who Should Buy Commercial Vehicle Insurance?
• Truck and tempo owners
• Auto and E-Rickshaw drivers
• Taxi and cab operators
• Goods transport businesses
• Fleet owners
• Passenger transport operators

🔹Get Started Today

• Get Instant Quote
• Check Policy Options
• Renew Commercial Policy
• Chat on WhatsApp
• Talk to an Insurance Expert