Commercial vehicle insurance for trucks, taxis and fleets
Cover for goods carriers, passenger vehicles and fleets, with renewal dates managed for you.
- Goods carriers, taxis, school vans and tractors
- One advisor for your whole fleet
- Claim help that keeps your vehicles on the road
Who needs commercial vehicle insurance?
Any vehicle used for business, such as goods carriers, taxis, buses, school vans and tractors, needs a commercial vehicle policy. A private car policy will not pay claims if the vehicle is used commercially.
- Transporters and logistics companies
- Manufacturers with delivery vehicles
- Taxi and cab operators
- Farmers with tractors and trolleys
Types of commercial vehicle cover
Goods carrying vehicles
Trucks, pick-ups and tempos carrying goods.
Passenger carrying vehicles
Taxis, buses and school vans.
Miscellaneous and special vehicles
Tractors, cranes, ambulances and other special vehicles.
What is covered, and what is not
Every policy has limits. We explain them upfront so there are no surprises at claim time. Exact cover depends on the insurer and plan you choose.
Usually covered
- Accident damage to the vehicle
- Theft and fire
- Third-party injury and property damage
- Personal accident cover for the owner-driver
- Optional cover for paid driver and cleaner
Usually not covered
- Overloading beyond the permitted limit
- Driving without a valid commercial licence
- Use outside the permitted route or purpose
- Wear and tear and breakdowns
We compare commercial vehicle plans from
- IFFCO Tokio General Insurance
- Generali Central Insurance (formerly Future Generali India)
- HDFC ERGO General Insurance
- The Oriental Insurance Company
- United India Insurance Company
- National Insurance Company
Documents needed
- Registration certificate (RC)
- Driving licence of the driver at the time
- Previous policy copy (for renewal or No Claim Bonus)
- Photos of the vehicle, if the policy has lapsed
- FIR copy for theft or third-party injury claims
How claims work
Stay safe and inform us
Move to safety, take photos of the vehicle and the spot, and call or WhatsApp your A2 advisor.
Register the claim
We help you register the claim with the insurer and get a claim number. File an FIR for theft or third-party injury.
Survey and repair
Take the vehicle to a network garage for cashless repair, or any garage for reimbursement. The insurer’s surveyor inspects it.
Settlement
The insurer pays the garage (cashless) or you (reimbursement). We follow up until it is settled.
Commercial Vehicle Insurance: frequently asked questions
Can you manage insurance for my whole fleet?
Yes. We keep track of every vehicle’s renewal date and can align them so you deal with one advisor and fewer deadlines.
Is goods-in-transit covered by this policy?
No. The vehicle policy covers the vehicle. Goods need a separate marine transit policy, which we also arrange.
Related insurance
Marine
Protect goods in transit by road, rail, sea or air, with help at claim time.
Marine Insurance
- Single transit or annual open policies
- For traders, manufacturers and exporters
- Help with claim paperwork and surveys
Talk to an advisor about commercial vehicle insurance
Get a free comparison from leading insurers, explained in plain language. Online or at our Sonipat office.
Or call 99996 68013 · Monday to Saturday, 10:00 AM to 6:00 PM