What Sets Us Apart?
What sets us apart is our personalized approach, transparency, and long-term commitment to our clients. We take the time to understand each customer’s unique needs and provide customized coverage options—not one-size-fits-all policies. Our team is known for quick, honest communication, and we pride ourselves on guiding clients through the claims process with care and clarity. Plus, we partner with top-rated insurers to ensure both quality and value. With us, you’re not just buying a policy—you’re gaining a trusted advisor.
Trusted Experience Since 2019
We've been proudly serving the insurance needs of our customers for over 5+ years, building trust and providing reliable coverage.
Detailed Coverage Information
What's Typically NOT Covered (Exclusions)
Transparent Pricing Information
How Is Your Premium Calculated?
Every vehicle has a unique premium based on various factors like vehicle type, IDV, GVW, use, and claim history. For an exact quote tailored to your needs, please provide your Vehicle Registration Certificate (RC) and previous insurance copy.
Typical Annual Premium Ranges for Commercial Vehicles
These are approximate annual premiums for comprehensive insurance (including own damage + third-party) based on current market trends (2024–2025).
Three-Wheeler
₹5k – ₹10k
Light Commercial Vehicle
₹12k – ₹25k
Medium Commercial Vehicle
₹22k – ₹38k
Heavy Commercial Vehicle
₹35k – ₹60k
Multi Axle / Tractor Trailers
₹50k – ₹90k
Passenger Taxi (4W)
₹8k – ₹15k
Passenger Bus / School Bus
₹20k – ₹80k
Hazardous Goods Carrier
₹45k – ₹1L+
Electric Commercial Vehicles (EVs)
10-20% Lower
Premium Inclusions
- Own Damage cover (based on IDV)
- Third-party liability (bodily injury: unlimited; property damage: ₹7.5 lakh)
- Personal Accident Cover (₹15 lakh for owner-driver)
- Personal Accident Cover (₹15 lakh for owner-driver)
- Basic add-ons like towing
Optional Add-On Costs
| Add-On | Typical Additional Cost (₹) |
|---|---|
|
Zero Depreciation |
Content |
|
Engine Protection |
₹1,000 – ₹5,000 |
|
Return to Invoice |
₹2,000 – ₹6,000 |
|
NCB Protection |
₹500 – ₹2,500 |
|
Roadside Assistance |
₹300 – ₹1,000 |
Streamlined Claims Process
How to File a Commercial Vehicle Insurance Claim
Mainly, we handle the entire process for you. Our team verifies the details first, then initiates the claim. Following these steps ensures faster and smoother settlement.
Inform Insurer Immediately
Call toll-free number or use app/website within 24-48 hours. Provide
File an FIR (If Required)
Mandatory in cases of theft, third-party injury/death, major accidents, fire, vandalism or malicious acts. Get a copy of the FIR and submit it to the insurer.
Inspection by Insurance Surveyor
The insurer appoints a surveyor to inspect the vehicle. Do not move or repair the vehicle before inspection (unless in emergency). Surveyor prepares a damage report for claim approval.
Final Claim Settlement
The insurer settles the claim as per policy terms. If it's a total loss, you’ll receive the IDV minus deductible.
Repair and Claim Settlement Options
You can choose between:
**Cashless Claim:** At insurer’s authorized garages.
**Reimbursement Claim:** Pay repair bill yourself and get reimbursed by the insurer.
Submit Required Documents
Common documents required Insurance policy copy IRC (Registration Certificate) of vehicle and other all documents IDriving license of driver IFIR copy (if applicable) IEstimate of repairs ISigned claim form IPAN & Aadhaar (for high claim amounts)
Average Claim Settlement Time
Minor Accidents
3-4 Days
Major Accidents
7-10 Days
Need Immediate Assistance?
Yes, we provide a 24/7 Claims Helpline to support you anytime, anywhere.
