Commercial Vehicle Insurance

Commercial vehicle insurance offers protection to any commercial vehicle from any loss/ damage incurred due to any unforeseen circumstances.

Commercial vehicles are an important mode of transportation and are heavy-duty vehicles, which are used on an everyday basis to carry out tasks. These vehicles usually include trucks, vans, trailers, buses, taxies, coaches, carriers, shovels, tractors, cranes, mobile rigs, bulldozer, etc. that are used to transport goods within the city/cities and from one state-to-another. They are also used for inter-city passenger tour and travel.

These heavy-duty commercial vehicles have an important contribution to bulk transportation for many businesses. However, such heavy-duty commercial vehicles are always prone to road accidents, unpredicted damages while driving and natural calamities.

Therefore, commercial vehicle insurance is important to covet these set of wheels against the odds.

Why is Commercial Vehicle Insurance Important?

Commercial vehicle insurance is beneficial for the smooth functioning of your running business against any adverse situations that may cause a huge financial drain. Almost, every type of vehicle that is used for commercial purpose such as passengers carrying vehicles, private/public travel trailers, taxies, tractors, cranes, mobile rigs, bulldozer, etc. gets covered under comprehensive commercial vehicle insurance.

Buying commercial vehicle insurance online is a quick, easy and hassle-free process. Therefore, before you zero down the policy, compare commercial vehicle insurance quotes and purchase a policy that fit your budget.

Remember, any mishap while riding a commercial vehicle without valid commercial vehicle insurance can lead to a huge monetary loss and put anyone in a difficult situation.

Key Features of Commercial Vehicle Insurance

Commercial vehicle insurance plan comes loaded with some salient features. The following are the salient features offered under commercial vehicle insurance:

  • Comprehensive coverage is provided to both public and private carriers including special types of goods carrying vehicles.
  • The commercial vehicle insurance plan provides cover for the liabilities in case of any injury or an accident.
  • Do not worry about the unwanted expense as having a commercial vehicle insurance plan will provide monetary compensation.
  • Remain stress-free from monetary setbacks incurred due to liabilities.
  • Third-party person/vehicle/ property damage cover.
  • A personal accident cover for the driver and the owner.

Types of Commercial Vehicle Insurance

Commercial vehicle insurance is generally of two types listed below:

Comprehensive Commercial Vehicle Insurance

Comprehensive insurance offers complete protection to your commercial vehicle under any adverse circumstances, which may lead to an unwanted expense. Secure your commercial vehicle from uncertainties such as damage, fire, theft, robbery, flood, earthquake and so on. Besides, comprehensive vehicle insurance policy provides cover to third-party property or person in case of loss/damage.

Third-party Liability Commercial Vehicle Insurance

Commercial vehicle insurance third-party liability offers protection to any third-party property, any third person or the vehicle, which may lead to the demise, bodily injury or any other damage. The safety of these types of commercial vehicles should be of utmost concern. Besides, the scope of coverage is more or less the same for both the insurance policies.

Commercial Vehicle Insurance: Inclusions

Commercial vehicle insurance policy compensates for personal, medical, and financial losses that are incurred due to damage resulting from theft, accidents, and natural disasters.

Most of the commercial vehicle insurance companies provide cashless compensation for getting your commercial vehicle repaired at their registered workshops.

There are a plethora of commercial insurance companies that provide customized commercial vehicle insurance plans to meet the different needs of their customers.

Here is a list of?the benefits that commercial vehicle insurance policy offers:

  • Loss/ damage to the insured commercial vehicle resulting due to:
    • Fire, self-ignition, explosion or lightning
    • Riots and strike
    • Theft, housebreaking, and burglary
    • Malicious acts
    • Flood, hurricane, tempest, storm, and typhoon
    • Hailstorm, inundation cyclone, frost
    • Landslide and rock slide
    • Earthquakes
    • Terrorist activity
    • Accident (by external means)
  • Personal Accident claims are also covered under this policy. It includes permanent total disability/ accidental death of the paid driver and the owner.
  • Commercial vehicle third-party insurance provides cover in case of an accident involving your insured commercial vehicle and a third-party vehicle. It will cover the loss or damage caused to the third-party property, vehicle, bodily injuries and death.
  • An option to boost the policy benefit by opting for various add-on covers, at an additional premium.

Commercial Vehicle Insurance: Add-on Covers

You can also enhance your scope of commercial vehicle insurance coverage by opting an add-on covers on the payment of an additional premium. While buying commercial vehicle insurance comparison the add-on covers will help you to make an informed decision.

The following are some add-on covers that you may consider while buying commercial vehicle insurance online:

  • Accessory Cover: Cover for loss of accessories.
  • Legal liability covers to the paid driver/conductor/non-fare paying passengers.
  • Personal Accident cover: Personal accident benefit to the owner/driver and any other named person apart from an employee and vehicle cleaner/ conductor/ paid driver.
  • Zero Depreciation Cover: To get the full value of the vehicle in case of loss or damage.
  • Towing Cover: Road-side assistance in case of sudden break-down of the vehicle.
  • Engine Protector: It covers the consequential damages to the vehicle engine.

Commercial Vehicle Insurance: Exclusions

The policy does not cover any claim arising out of the following situations:

  • Wear and tear of the commercial vehicle.
  • Consequential loss.
  • A loss incurred during a civil war.
  • Contractual liabilities are also not covered.
  • The occurrence of an accident while driving with an invalid driving license or under the consumption of alcohol.
  • Using a vehicle by accordance with 'limitations as to use' for instance, a private car is used as a taxi.
  • War perils, nuclear perils.
  • Electrical and Mechanical breakdown, breakage or failure.
  • In case, the policy is not active at the time of accident or loss.

Best Commercial Vehicle Insurance Providers

Following is the list of General Insurance companies that offer Commercial Vehicle Insurance:

Insurance Provider Goods Carrying Vehicle Insurance Passenger Carrying Vehicle Insurance
HDFC ERGO Commercial Vehicle Insurance Yes Yes
Digit?Commercial Vehicle Insurance Yes Yes
USGI Commercial?Vehicle Insurance Yes Yes
Bajaj?Allianz Commercial Vehicle Insurance Yes Yes
Royal Sundaram Commercial Vehicle Insurance Yes Yes
Shriram General Commercial Vehicle Insurance Yes Yes
Iffco Tokio Commercial Vehicle Insurance Yes Yes
Tata AIG Commercial Vehicle Insurance Yes Yes
New India Commercial Vehicle Insurance Yes Yes
SBI General Commercial Vehicle Insurance Yes Yes
Bharti AXA? Commercial Vehicle Insurance Yes Yes

Now, let us understand the different insurance plans available for every category of commercial vehicle.

Goods Carrying Vehicle Insurance

Goods carrying vehicle insurance covers the vehicles against loss or damages due to man-made and natural calamities such as theft, fire, explosion, flood, earthquake, landslide, accidental damages, personal accident and third-party liability. Goods carrying vehicles help in smooth growth of the nation’s economy by transferring the goods within the country and globally.

The goods carrying vehicle insurance can be bought for vehicles such as trucks, trailers, tractor-trailer, etc.

Salient Features of Goods Carrying Vehicle Insurance:

Listed below are some of the key features of goods carrying vehicle insurance:

  • The policy offers both third-party liability and own-damage cover.
  • Goods carrying vehicles such as trucks, trailers, Tractor-Trailer etc. can be insured under goods carrying vehicle insurance.
  • Cashless claim facility to be availed across the country at registered garages
  • The policy benefits can be enhanced further by opting for various add-on covers.
  • The insured vehicle is covered for loss or damages sustained during an accident, third-party liability, damages due to man-made disasters such as theft, vandalism etc.
  • It covers natural calamities causing a threat to the insured vehicles such as flood, storm, earthquake, landslide etc.
  • No Claim Bonus to be earned for every claim-free year up to a defined percentage based on the policy terms.

Goods Carrying Vehicle Insurance: Inclusions

The list of inclusions for goods carrying vehicle insurance includes:

  • Third-Party Liability Cover: The policy covers the insured vehicle for any liability arising out of accidental injury, bodily damage or death of a third party.
  • Loss Due to Natural Disasters: Damage, loss, or due to natural calamities are covered.
  • Man-made Calamities: Man-made disasters such as theft, vandalism etc. are covered, where the insured pays up to the full value in case the vehicle is untraceable, under ‘total loss’ category.
  • Personal Accident Cover: Owner/driver is covered for personal accidental damages or loss up to a certain percentage of Sum Insured, including the treatment cost. On payment of an extra premium, even co-passengers can be covered.

Goods Carrying Vehicle Insurance: Exclusions

The list of exclusions for goods carrying vehicle insurance includes:

  • Depreciation: Goods carrying vehicle insurance plan does not offer coverage against depreciation in the value of the vehicle over the period.
  • Illegal Driving: If you do not have a valid and authorised driving license, your goods carrying vehicle insurance is of no use. If you drive under the influence of alcohol or drugs then you are not covered under goods carrying vehicle insurance policy.
  • Mechanical and Electrical Breakdown: Any mechanical and electrical breakdowns are not covered by your goods carrying vehicle insurance policy.

Passenger Carrying Vehicle Insurance

Passenger carrying vehicle insurance provides coverage against accidental damages, fire and explosion, man-made calamities such as theft, natural calamities, personal accident, along with third-party liability cover. The passenger-carrying vehicles are intended for the carriage of passengers.

Passenger Carrying Vehicle Insurance Features

Below are the key features of passenger carrying vehicle insurance:

  • This insurance can be bought for various passenger-carrying vehicles such as bus, taxi, passenger-carrying vans etc.
  • The policy premium is decided based on the type of vehicle, cubic capacity, the zone of registration, Licensed Carrying Capacity of the vehicle, Gross Vehicle Weight etc.
  • The policy covers the insured vehicle for the damages due to man-made and natural calamities.
  • No Claim Bonus to be earned for every claim-free year.
  • Some insurers offer discounts on premium deepening on the mode of buying.

Passenger Carrying Vehicle Insurance Inclusions

The inclusion list of passenger carrying vehicle insurance includes:

  • Cover for Accidental Damages: The policy covers the vehicle in case of an accident leading to damages or injuries.
  • Cover to Natural Calamities: Natural calamities may take a toll over the vehicle. Do not worry, it is covered as well.
  • Fire & Explosion: Total or partial loss of the vehicle due to fire or explosion is covered.
  • Personal Accident Cover: Cover to owner-driver and co-passengers (with an extra premium) are offered in case of an accident leading to injury, disability or death.
  • Liability Insurance: In the case of third party liability any accidental injury, damage or death of a third party, damage to the third-party property where the insured vehicle is at fault, is covered.

Passenger Carrying Vehicle Insurance Exclusions

Passenger carrying vehicle insurance does not cover the following:

  • Illegal Driving: In case you do not possess an authorized driving license, your passenger-carrying vehicle insurance cannot help you. If you drive your vehicle under the influence of alcohol or drugs are not covered under the plan.
  • Mechanical and Electrical Breakdown: Any mechanical or electrical breakdown is not covered under your passenger-carrying vehicle insurance policy.
  • Depreciation: Depreciation in the value of your vehicle over a period also remains uncovered.

Auto Rickshaw Insurance

Auto Rickshaw Insurance is a sub-category of Passenger Carrying Vehicle Insurance. The Motor Vehicle Act in India mandates buying liability only policy if auto-rickshaws are owned by an organization.

This will provide a cover for business if the rickshaw causes loss or damage to the third-party property, person, or vehicle.

Key Features of Auto Rickshaw Insurance

Following are the salient features of auto-rickshaw insurance policy:

  • It protects your auto and the owner/driver from any losses arising out of natural calamities, terrorist activities, fires, accidents, malicious acts, and theft, amongst other unfortunate events.
  • Auto rickshaw insurance also assures passengers/customers that you have a responsible business.

Auto Rickshaw Insurance: Inclusions

Auto rickshaw insurance covers the following:

  • Cover for Accidental Damages: This policy covers the auto in the case of an accident that leads to damages or injuries.
  • Cover Against Natural Disasters: Natural disasters may take a toll over your auto. There is nothing to worry about; an auto-rickshaw insurance policy offers cover against any Natural Disasters.
  • Fire: Total or partial loss caused to the auto-rickshaw due to fire is also covered.
  • Personal Accident Cover: Coverage to owner-driver and co-passengers is provided in case of an accident leading to death, disability, or injury.
  • Third-Party Loss: Any losses or damages caused to a third-party or the passengers by your auto-rickshaw are also covered.
  • Theft: This policy also covers your auto-rickshaw in case of any loss or damage caused due to theft.
  • Towing Disabled Vehicles: Auto rickshaw insurance policy also offers coverage against any damage caused to your auto in the case where it is being towed.

Auto Rickshaw Insurance: Exclusions

The following are not covered under the Auto Rickshaw Insurance Policy:

  • Drunk riding or driving without a License
  • Own damages for third-party insured
  • Consequential damages or losses
  • Contributory negligence

e-Rickshaw Insurance

e-Rickshaw along with e-carts are now registered and come under the Motor Vehicles Amendment Act 2015. The Insurance Regulatory and Development Authority (IRDA) mandates third-party insurance for battery operated 3-wheeled vehicles.

The insurance norms and procedures of e-Rickshaw insurance are similar to an auto-rickshaw insurance policy. However, only third-party insurance is available for e-Rickshaws. The amount of premium is based on the seating capacity of the vehicle.

Commercial Vehicle Insurance Claim Process

Claiming commercial vehicle insurance can be an easy victory with the right approach. To get the claimed amount reimbursed without a hassle it is important that you immediately notify your commercial vehicle insurance provider about the loss or damage. In case, if you bought it through commercial vehicle insurance agent notify the agent.

You can register a claim by calling them on their toll-free helpline number or write to them on their customer helpline email id.

Nowadays, most of the commercial vehicle insurance providers offer claim forms online as well. It is important to cross-check commercial vehicle insurance details. While filing a claim, the following details are required from the insured’s end:

  • Time and date of loss
  • Policy number for reference
  • The location where the incident took place
  • A brief description of the incident
  • Name & contact number of the person filing the claim

Documents Required to Claim Commercial Vehicle Insurance

To claim commercial passenger vehicle insurance or goods carrying vehicle insurance, you will need to furnish the following documents:

  • Registration certificate of the vehicle
  • Driving license ( original copy)
  • Claim form duly signed and filled
  • Copy of FIR
  • Tax paid receipt
  • Copy of Aadhar Card
  • Fitness certificate
  • Original insurance policy papers
  • Load challan of your commercial vehicle
  • Route permit

Is it Important to Renew Commercial Vehicle Insurance Policy?

Goods carrying vehicle insurance or passenger carrying vehicle insurance needs to be renewed on time to ensure the policy benefits continuously.

Commercial vehicle insurance renewal can be done online as well. You just need to visit the official website of the insurer and fulfill the renewal formalities online. Before, making the payment check commercial vehicle insurance details and accordingly pay the premium online and get the commercial vehicle insurance policy renewed instantly.

Factors To Be Considered While Buying/Renewing Commercial Vehicle Insurance

While renewing or buying a commercial vehicle insurance policy, you should focus on the following aspects:

  • Coverage:?It is important to have adequate coverage when buying a commercial vehicle insurance policy. A comprehensive commercial vehicle insurance policy is recommended for those who wish to safeguard their business and want to enjoy and have peace of mind.
  • Insured Declared Value:?One of the most important things that one needs to consider at the time of renewal/buying is choosing the correct IDV in your motor insurance policy, as, the compensation amount will be equal to the IDV in case of total damage or theft.
  • Discount/NCB:?At the time of renewal, the policyholder should check with the insurer for any available discounts on the motor insurance premium.
  • Add-on Benefits:?Select add-on covers to enhance the overall policy commercial vehicle insurance coverage.
  • Cashless Network Garages:?Always ask the commercial vehicle insurance agent or provider about the list of network garages and find one within your vicinity. It will ensure convenient and timely repair of the vehicle.
  • Deductibles:?Opt for deductibles only when it is possible to pay a portion of the claim from your pocket. Always check for the deductibles and clauses at the time of renewal. Opt-out for deductibles if it is not working well for you.

Note: While buying commercial vehicle insurance online, it is important to browse the web, compare commercial vehicle insurance quotes and avail the best deal.

Process to Renew a Commercial Vehicle Insurance Plan

A commercial vehicle insurance policy can be renewed online as well as offline. If you want to renew your policy offline, you can contact an agent of your insurance company or visit their nearest branch. In case you want to renew your commercial vehicle insurance plan online, you can follow the procedure mentioned below:

  • Visit the official website of your insurance provider
  • Go to the policy renewal option
  • Enter the required details, such as the policy number
  • Submit the details
  • Pay the premium amount online

Commercial Vehicle Insurance Cost

Subject to deduction of depreciation, commercial vehicle insurance price or IDV is fixed at the commencement of the policy. The IDV is decided based on the manufacturer’s listed selling price and brand of the vehicle.

However, depreciation is a major factor that contributes a lot to commercial vehicle insurance. With age, the value of a vehicle depreciates and based on this rate, IDV is decided. Here is how:

Vehicle Age Depreciation Rate
Within 6 months Nil
Between 6 months to 1 year 5%
Between 1 year to 2 years 10%
Between 2 years to 3 years 15%
Between 3 years to 4 years 25%
Between 4 years to 5 years 35%
Between 5 years to 10 years 40%
Exceeding 10 years 50%

What are the Factors That Determine Commercial Vehicle Insurance Price?

The following parameters are considered while determining the price of commercial vehicle insurance e.g. goods carrying vehicle insurance or passenger carrying vehicle insurance:

  • IDV of the vehicle
  • Age of the vehicle
  • Zone of Registration
  • Type and model of the vehicle
  • Fuel type of vehicle

How to Calculate Commercial Vehicle Insurance Premium?

You should not buy a policy out of compulsion or in rush. Before signing on the dotted line, you should compare commercial vehicle insurance online based on the offerings, premium rates, features and benefits and claim settlement ratio of the insurers.

You can approach an aggregator website such as, where you can compare different commercial vehicle insurance quotes. Moreover, by using a motor insurance calculator, you can get an idea about how much you are going to pay for a commercial vehicle insurance premium.

Written By: PolicyBazaar - Updated: 26 February 2020

What is IDV in my Commercial Taxi or Vehicle Insurance policy?


The IDV of a commercial vehicle/car/taxi is derived based on the selling price listed by the manufacturer for a particular brand or model at the time of buying or renewing the commercial vehicle insurance.  It is then adjusted for depreciation as per the age of the vehicle.


How should I fix the IDV of my vehicle in the auto insurance policy


The IDV of a vehicle is fixed after deducting the cost of depreciation on its parts from the selling price. The value of any extra accessories will be deducted separately. In the case of total constructive loss, the rates that will be applicable will be as mentioned in the table below.

Depreciation Schedule for Fixing the Insured Declared Value of the Commercial Vehicle:

Age of the Commercial Vehicle     

Depreciation (in percentage)

Up to six months


From six months to one year


From one year to  two years


From two years to  three years  


From three years  to four years  


From four years  to five years


Vehicles that are older than 5 years their IDV can be fixed mutually by the insured and the insurer.


How is my Commercial Vehicle Insurance premium calculated?


Factors that affect/reduce car insurance quote are?:

Cubic Capacity (CC) of the vehicle

Insured Declared Value

City of Registration

Vehicle Model


Coverage type ( comprehensive insurance/third party liability only policy)

Add-on benefits like roadside assistance, fuel assistance, etc.

No-Claim Bonus


What does Constructive Total Loss mean?


The vehicle is declared as a constructive total loss if the cost of accidental loss or damage repair is more than the current market value.

When a constructive total loss claim is filed then you would need to surrender your commercial vehicle to your motor insurance provider. Vehicle ownership is also transferred to the insurer.

The insurance provider will pay the Insured Declared Value of your vehicle after adjusting the cost of deductibles. Once your claim is settled your motor insurance policy will stand cancelled. Once you get the final payment, you are no longer required to pay the premium amount until the policy is renewed.


What is loading in Commercial vehicle insurance policy?


At the time of renewal, some motor insurance providers add an extra cost of your car insurance premium in the form of Loading. Usually, it comes into effect when the risk associated with auto insurance policy owner is declared as higher than normal.


What is IDV in my Commercial Vehicle Insurance policy?


The IDV of a commercial vehicle/auto is derived based on the selling price listed by the manufacturer for a particular brand or model at the time of buying or renewing the policy. It is then adjusted for depreciation as per the age of the vehicle.


How to make an accidental claim on commercial vehicle insurance?


(a) Report the loss/damage of vehicle immediately on the insurance company toll-free no. or on their website. Provide policy no. as reference.
(b) Fill up the claim form and attach a copy of the driver’s driving license and registration certificate.
(c) Cashless claim facility can be availed at the company’s registered garages.
(d) If the garage doesn’t come under the company network then claim reimbursement is taken afterwards with proper documents.


What is cashless and non-cashless/reimbursement claim Under Commercial Vehicle Insurance?


Cashless Claim means that the insurer will not be dealing with any physical cash while settling a claim. The insurer will pay the garage directly for the repair. This is only possible if the garage that the insurer took the vehicle to is part of the listed network of garages that the company is associated with.

Non-Cashless / Reimbursement Claim means that the insured chose a garage that is not part of the company’s network. In this case, the insured will need to pay the cash to the garage directly and it will be reimbursed when they produce the same original bills and payment receipts to the insurer.


What is the amount to which I need to insure my commercial vehicle? How is it related to the IDV of the vehicle?


You need to ensure your commercial vehicle to the amount equivalent to its Insured Declared Value or the IDV. Under commercial vehicle insurance, the IDV amount refers to the maximum amount up to which an insurance company will cover the partial/ total damage sustained on the vehicle. You cannot opt for coverage of more than the IDV of your commercial vehicle. Moreover, you can estimate the IDV of your car by reducing the depreciation amount from the ex-showroom price of your vehicle model.


Which commercial auto insurance cover should I buy? Why is comprehensive commercial vehicle insurance more expensive than liability only insurance policy?


You should buy an auto insurance policy that at least offers liability-only policy coverage. This is because buying a liability only policy is mandatory for all auto-rickshaw owners under the Motor Vehicle Act of India. However, you have the freedom to opt for a comprehensive auto insurance policy that offers broader coverage including damage/ loss due to fire, natural disasters, accidents, theft as well as own damage cover in addition to the liability only cover.

While a liability-only auto rickshaw insurance policy only covers third-party liabilities, a comprehensive policy also covers damages caused to the driver and the vehicle due to external factors besides the third-party liabilities. As a result, a comprehensive auto insurance policy is more expensive than a liability-only policy.


What is the period of a commercial auto insurance policy?


Usually, a commercial auto insurance policy covers the insured vehicle for one year. Few insurance companies may also offer policies with tenure of up to 2 years or 3 years. Therefore, you should check with your insurance provider about the various policy tenure options offered under their commercial auto insurance.


What is a Certificate of Insurance under Motor Vehicles Act?


A Certificate of Insurance is a legal document issued by an insurance provider under the Motor Vehicles Act that mentions the details of the policy covering the insured commercial vehicle. The certificate includes information such as policy number, name of the policyholder, vehicle registration mark, chassis number, vehicle carrying capacity, policy expiry date, etc.

Under Rule 141 of the Motor Vehicles Act of India, every insurance company must issue the Certificate of Insurance along with the policy document at the time of issuing commercial vehicle insurance. Moreover, every vehicle owner must keep the Certificate of Insurance inside the insured vehicle at all times.


Can I continue the commercial vehicle insurance in the name of the earlier owner even after the vehicle has been transferred to my name and the same has been updated in the RTO records?


No. You cannot continue with the commercial vehicle insurance in the previous owner’s name if you are the new owner of the vehicle and the information has been updated in the RTO records. This is because the policyholder and the vehicle owner should be the same person with the same address. You will have to get the policy transferred to your name to continue the insurance coverage on your vehicle. Not getting the policy transferred is a punishable offence. Moreover, such a policy will be equivalent to zero insurance coverage as all your insurance claims will be denied the insurer.


Can a person be covered by a commercial auto insurance policy if he uses his own vehicle on the job?


No. If a person uses his vehicle on the job, he will not be covered under the commercial auto insurance policy. Whether he uses his private vehicle to attend a business meeting or to run a business errand, it will not be covered under the commercial vehicle insurance.


How can you check the status of your insurance cover?


To check the status of your commercial vehicle insurance cover, you can follow the steps given below:

Visit the official website of your insurance company

Enter the required details, such as vehicle registration number. Make sure to not enter any special characters while entering the registration number

Submit the details required to view the status of your insurance cover


How to cancel a commercial vehicle insurance plan?


You can cancel your commercial vehicle insurance plan, provided the policy has not expired and no claims have been made on it. If you suffice both of these conditions, then you need to inform your insurance provider about your wish to cancel the policy. Submit the documents or information required by your insurance provider. Once you submit the details, your insurance company will cancel your commercial vehicle insurance policy within a couple of weeks.


How to find the best commercial auto insurance for your business?


To find the best commercial auto insurance policy for your business, you need to analyze the coverage offered and premium charged by different insurance companies in India. The best insurance policy is the one that provides maximum coverage to your vehicle for the minimum possible premium amount. You can easily compare commercial auto insurance plans offered by different insurance companies at websites such as Moreover, you can also buy the most suited commercial vehicle insurance plan for your business at Policybazaar.


How to get the best commercial auto insurance premium quotes?


To get a list of premium quotes for the best commercial auto insurance policies, you can visit insurance aggregator websites such as At these websites, you can check the coverage offered under the various commercial insurance plans and can get premium quotes for the same. You can compare this information and use it to choose a plan the offers the required coverage without charging an exorbitant premium.


Why should you buy or renew commercial vehicle insurance (goods carrying) from


You can buy or renew a commercial vehicle insurance policy from because it allows you to compare different insurance plans and buy the best policy for your vehicle at one place. At Policybazaar, you can easily check the level of coverage offered by different insurance providers in India under the various commercial vehicle insurance plans. It eliminates the need to visit the website of every insurance provider before finalizing one policy. Moreover, you can also get insurance premium quotes at Policybazaar that in turn helps you to choose the best policy within your budget. Thus, buying or renewing your commercial vehicle insurance is effortless if you do it from

Commercial Vehicle Insurance Reviews & Ratings
4.5 / 5 (Based on 7 Reviews)
(Showing Newest 7 reviews)
Dibrugarh, April 07, 2020
It is a good policy plan which I got from policybazaar. As it helps in getting a protection to my commercial vehicle.
Kutumba, April 06, 2020
Cost effective
The policy plan which I got form the policybazaar is quite cost effective. It is into my budget.
Adipur, April 03, 2020
Customer support
Policybazaar is one of the best insurance company which helped me in getting cashless claim and it was an easy way to do so. I just contacted the customer care people and they were just one call away. Thank you team.
Sairang, March 30, 2020
Good offers
So, I bought the commercial vehicle policy from policybazaar. My plan offers the third party liability as well as good carrying insurance. Even I can claim for cashless cover so that it can availed across the country.
Gudari, March 25, 2020
It is really nice policy as it covers the Personal accident, medical and every types of financial mishappenings which took place during the time of accidents. I am really grateful that I got to know about the policybazaar for my commercial vehicle.
Aallapalli, March 24, 2020
Great coverage
A great coverage policy with the help of policybazaar. It actually covers public as well as private vehicle. But I made a move for my commercial vehicle and it is basically used for trading and purposes.
Agartala, March 23, 2020
Best premium policy
I got the commercial policy from policybazaar. I got the best policy with affordable premium rates. It was a good experience to get the insurance done from them.
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