With regards to commercial vehicles, POLICYLOBBY is an all-in-one resource for purchasing or restoring your vehicle’s insurance. We get our clients and keep up with the most extreme straightforwardness to make them aware of all the services available to us. By utilizing basic words and by making sense of each term, in particular, we ensure that our clients get to understand the interaction from top to bottom. We are trustworthy and believe in building relationships with our clients to provide them with the best services till the very end.
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Natural and man-made calamities can wreak havoc. But we’ll cover damages caused to your car because of earthquake, riots, etc.
A minor error in judgement can cause a major accident. But don't worry, we’ll take care of the damages to your car everytime.
We’ll cover you for death and disability caused by an accident, even if someone else was driving your car during the mishap.
Finding out that your car is stolen can be an absolute nightmare. But we’ll pay you your car’s Insured Value in case your car gets stolen.
t’s scary to see your car catch fire! But we’ll cover damages caused to your car due to the ones resulting from self-ignition, explosion and lightning.
Car accidents can result in injury to, and death of any third party, while also damaging property. But we’ll cover damages related to third-party losses.
Commercial vehicle insurance use to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.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.
A comprehensive policy, as the name suggests, offers overall protection against damages to both parties involved in an accident. This scheme is extensive, and it covers damages to car, theft, legal liability to third-party, and personal accident cover.
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A third-party liability policy covers any third party liability that you face in case of accidents involving your vehicle. This insurance cover offers you a basic level of protection and it is mandated by law.These liabilities include the following points –
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Inspection Done Within 2 Hours For Expired Policy And Ownership Transfer
Intrested to buy?Why Policylobby's Commercial Vehicle Insurance?
With PolicyLobby, you do not have to worry about skyrocketing premium rates
Whether you need help with insurance documents, or simply have a query, our customer service is always there to assist you.
Wear & tear, breakdowns, failures, and deductibles are not covered. Also consequential damages or liabilities that arise due to car accidents will unfortunately not be covered.
Damage to tyres, tubes, and engine is not covered unless they are damaged due to an accident.
If you drive without a valid driving license, or under the influence of alcohol and/or other illegal substances, you will not be covered.
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Insured declared value (IDV) of the vehicle
Age of the vehicle
Make and model of the vehicleFuel type and capacity of the vehicle
Place of registration
Vehicle usage purpose
Business liability limit required
Commercial vehicles are an important part of many businesses. If you are running a business and using vehicles for business purposes, it’s important to insure them adequately.
In case your commercial vehicle is involved in any road accidents and causes bodily injury or property damage to the third party, then you will have to bear the liability arising out of the accident. Commercial vehicle insurance will shield your business against such liabilities.
If your commercial vehicle gets damaged in a road accident, commercial vehicle insurance can help you get the financial aid to get the vehicle repaired.
The commercial vehicle insurance plan also safeguards the paid driver and his family in case of accidental death or disability.
| Vehicle Component | % Covered |
|---|---|
| Glass Parts | Glass Parts are covered 100% at the time of claim. Like if your windshield gets broken the insurance company provides full claim for the replacement of it. |
| Fiber Glass Components | For all the fibre glass components insurance company provide coverage of 70% of the total value. |
| Rubber/Nylon/Plastic Parts/Tyre/Tubes/Batteries | All these parts are covered by 50% at the time of claim in comprehensive insurance means for example if any rubber part was replaced at the time of claim insurance company will pay 50% of the total value. |
| Metal And All Other Parts | 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 |
Metal, Wooden and all other parts are included in this category and generally the coverage value is decided as per the age of vehicle Not Exceeding 6 months 100% coverage Exceeding 6 months but not exceeding 1 year - 95% Exceeding 1 year but not exceeding 2 years - 90% Exceeding 2 year but not exceeding 3 years - 85% Exceeding 3 years but not exceeding 4 years - 75% Exceeding 4 years but not exceeding 5 years - 65% Exceeding 5 years but not exceeding 10 years - 60% Exceeding 5 years but not exceeding 10 years - 60% |
Copy of insurance policy
Driving licence
Claim form appropriately filled
Registration Certificate
Pollution Certificate Copy
Fitness Certificate of the vehicle
In case of NCB availed in the policy “NCB confirmation” from previous insurer
Vehicle permit
Repair estimate
Intimate theft claims to the insurance company without any delay
Intimate policy authorities and initiate steps to Lodge a FIR (at the jurisdiction level)
Insurer appoints investigator to verify the facts and coordinate with the customer
On insurer advice RTO is informed for cancellation of the vehicle registration; the acknowledgment for the same is provided by Transport authority
Submit the photocopy of the FIR and the documents mentioned above, along with the car keys and a non-traceable certificate from police, to your insurance company
Keep following documents handy while making a claim : Copy of the policy document, Duly signed claim form, Registration Certificate,Copy of FIR and Keys (two sets) of the vehicle
Following are the factors that helps in deciding the best suitable policy that caters your requirements:
The IDV (Insured Declared Value) of the car
The age of the car
Zone/City of Registration
Cubic capacity of the car engine
Previous year Claim Status & NCB
Car insurance policy can’t be cancelled until or unless there is a genuine case* and is intimated within 1 month from the date of purchase of the policy.
Genuine cases can be if there is an alternate policy done for the same vehicle or in case your vehicle is commercial, and you bought private vehicle policy by mistake.
However, there are no cancellation charges applicable (depending upon the T&C mentioned in the policy)
Third party insurance only covers other vehicles or property on road and does not cover accidents or damage to own vehicle. But a comprehensive car insurance covers the vehicle against any damage caused to it depending on the add-ons you have availed while purchasing insurance for your car.
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Location: M-138, Church Lane,Laxmi Nagar New Delhi, 110092
support@policylobby.com
+91 9971-755-830