Keep permits valid
Permit, fitness, registration, and driver records should match the vehicle use.
Insurance
Commercial Vehicle Insurance
Protect a commercial vehicle used for goods, passenger, or other business work.
Before you start
Commercial Vehicle Insurance Guide
Check the basic rules and keep the required records ready before starting this service.
Important before you apply
Key points to consider for Commercial Vehicle Insurance
Check these points carefully before choosing an option or starting your application.
Check useful add-ons
Select add-ons based on vehicle type, route, downtime, and business risk.
Check claim help
Review survey, garage, towing, and business support before purchase.
12 eligibility points
Eligibility Criteria
See the basic conditions normally checked before you can apply.
Eligibility / Criteria
- Registered commercial vehicle used for declared commercial purpose.
- Owner/entity has insurable interest.
- Valid RC and correct class/category:
- goods carrying vehicle,
- passenger carrying vehicle,
- taxi/cab,
- miscellaneous/special vehicle, etc.
- Valid permit(s) as required for the route/operation.
- Fitness Certificate must be valid where legally required.
- Vehicle usage, carrying capacity and geography must match the policy.
- Previous claims, vehicle age, IDV, route, type of goods/passengers and fleet experience can affect underwriting.
- Expired policy can require inspection before own-damage cover.
31 document points
Document Requirements
Check which clear and valid documents you should keep ready.
Purchase / Renewal Documents
- RC.
- vehicle details: make/model/chassis/engine/GVW/seating/carrying capacity.
- previous policy.
- claim/NCB details where relevant.
- KYC of owner/entity.
- entity PAN/GSTIN where applicable.
- valid permit:
- State Permit,
- National Permit,
as applicable.
- Fitness Certificate.
- Pollution Under Control certificate where applicable.
- financier/hypothecation details.
- driver/operational information if insurer asks.
- vehicle inspection/photos for break-in/new underwriting where required.
Entity Owner - Conditional
- Company incorporation / partnership / LLP details.
- authorised-signatory KYC.
- board/partner authorisation.
- GSTIN.
- fleet list for fleet policy.
Claim Documents - Common
- Claim form.
- RC.
- driving licence of driver.
- Fitness Certificate.
- permit(s).
- policy copy.
- FIR/police report in theft or third-party bodily injury cases.
- load challan / goods receipt / invoice where vehicle was carrying goods.
- repair estimate/final invoice.
- NEFT/bank details.
- additional authority/route documents as circumstances require.
Insure a commercial vehicle in three steps
Follow these three simple steps.
- 1Check the coverReview what commercial vehicle insurance covers, does not cover, and when the cover starts.
- 2Share correct detailsEnter the requested personal, health, vehicle, home, or risk information correctly.
- 3Buy and keep the policyPay only after checking the policy terms and keep the issued policy safely.
More insurance services
Open another service to read its own eligibility and document guide.
Reference Basis
These public sources were checked for this guide. Rules can change, so open the source for the latest official information.