Commercial Vehicle Insurance

​Whether you own and drive a commercial vehicle or you own the vehicle and someone else drives it, you are responsible for it completely. To stay safe in this situation, it’s always advantageous to have Commercial Vehicle Insurance.

Commercial Vehicle Insurance is a type of insurance coverage specifically designed for vehicles used for business purposes. It provides financial protection to business owners and individuals who use vehicles for activities, such as transportation of goods, delivery services, or passenger transportation. With Reliance General Insurance, you get:

• ​Coverage for a variety of situations
• Quick and hassle-free settlement for your claims
• Instant online policy renewal

If you need more information about the policy, feel free to call us on +91 22 48903009​ (P​aid Number)​.

​What does the policy cover?

a) Loss or damage to your vehicle due to:

• ​Riot and strike
• Earthquake
• Malicious act
• Terrorist activity
• Landslide, rockslide
• Accident (external means)
• Burglary, housebreaking and theft
• Inundation cyclone, hailstorm and frost
• Fire explosion, self-ignition or lightning
• Flood, typhoon, hurricane and storm

b) Third-party car insu​rance, which protects you against any losses or damages caused ​to a third party because of your insured vehicle

c) ​Additional towing cover for commercial vehicle​s

• ​This cover shall pay in excess of what is provided in tariff for towing charges incurred by the insured in case of an accident
• Tariff provides for INR 750 for three wheeled vehicles, INR 1500 for taxis and INR 2500 for any other commercial vehicles
• Maximum limit that can be opted by you over and above what is mentioned (in point 2) is as per the following table:

• Premium is 1​0% of the Sum Insured limit opted by insured.

​What does the policy not cover?

• Loss or dam​age due to war or nuclear risks
• Deductible as stated in your policy
• Loss or damage due to ionising radiation
• Vehicle driven by someone other than the driver, as stated in the ​Driver's Clause.
• Accidental loss, damage or liability occurring outside the defined geographical area for the vehicle
• Vehicles being used other than in accordance with the limitations as to use. For example, if you use a private vehicle for commercial purposes.
• Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered.

Click to buy a new taxi insu​rance​. Also, read about the offerings attached to it.

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Commercial Vehicle Insurance FAQ​