Commercial Hero
Your vehicle is your business. Don't let downtime, RTO challans, or accidents stop your income. Get instant, heavy-duty insurance built for commercial owners.
What Are You Driving?
Goods Carrying
Trucks, LCVs, Tata Ace, Pickups, and delivery vans.
- Public & Private Carriers
- Goods 3-Wheelers & Tempos
Passenger Vehicles
Taxis, Ola/Uber cabs, School Buses, and Auto Rickshaws.
- Commercial Cabs (Yellow Plate)
- Staff & School Buses / Vans
Fleet Insurance
Unified commercial policy structures tailored for logistics owners.
- Bulk Volume Premium Discounts
- Single Unified Expiry Management
Third Party Premium Rates
Fixed by IRDAI — identical across all insurers (Incl. 18% GST)
Goods Carriers — Rated by Gross Vehicle Weight (GVW)
| GVW Scale | Annual TP (₹) |
|---|---|
| Up to 7,500 kg | ₹18,938 |
| 7,500 – 12,000 kg | ₹32,079 |
| 12,000 – 20,000 kg | ₹41,669 |
| 20,000 – 40,000 kg | ₹51,861 |
| Above 40,000 kg | ₹52,206 |
Built For The Business Owner
We prioritize fleet runtime because parked commercial trucks disrupt income loops.
Minimize Downtime
We optimize turnaround timelines via prompt spot survey configurations and fast cashless network garage releases.
Instant RTO Fitness Ready
Fulfill RTO Fitness Certificates (FC) or state permit requirements instantly with automated policy generation.
Driver & Crew Protection
We systematically embed exact IMT 28 (Workman Compensation) clauses to fulfill mandatory crew liability guidelines.
Unlimited TP Liability
Fulfill maximum required limits protecting business assets from heavy roadside financial civil litigations.
IMT Endorsements
Essential commercial modules to expand basic protection.
Towing of Disabled Vehicles
Covers liability while towing another disabled vehicle — essential for breakdown service operators and transporters.
Bi-Fuel Vehicles (CNG / LPG)
Extends coverage to vehicles fitted with CNG or LPG kits — mandatory if your vehicle runs on dual fuel.
Electrical & Electronic Accessories
Covers non-standard fittings like GPS trackers and extra lighting not included in the standard policy.
Increased TP Property Damage
Increases the TP property damage liability beyond the standard ₹7.5 lakh — recommended for heavy vehicles.
Unnamed Passengers
Covers PA liability for unnamed passengers — important for staff transport vehicles.
Carriage of Inflammable Liquids
Mandatory for tankers and vehicles carrying petroleum, chemicals or other hazardous goods.
FAQ
Is commercial vehicle insurance different from private car insurance?
Yes. Commercial vehicle insurance is specifically designed for vehicles used for business purposes — goods transport, passenger transport, taxis, autos etc. The premium is higher than private car insurance due to increased risk, and the policy terms differ significantly.
What is GVW and why does it affect my premium?
GVW stands for Gross Vehicle Weight — the maximum total weight of the vehicle including load. Higher GVW means higher risk on roads, so IRDAI sets higher TP premiums for heavier vehicles. This is why a small tempo has a much lower premium than a 40-tonne truck.
Is insurance mandatory for getting a Fitness Certificate?
Yes. You absolutely cannot get or renew your commercial vehicle's Fitness Certificate (FC) or Route Permit at the RTO without a valid insurance policy. We provide instant policy issuance so your paperwork is never delayed.
What is the Geography Extension add-on?
Standard motor insurance covers vehicles only within India. The Geography Extension add-on extends coverage to neighbouring countries — Nepal, Bangladesh, Bhutan, Sri Lanka, Pakistan and Maldives. Essential for transporters operating cross-border routes.
Keep Your Business Moving
Stop paying transport challans. Share a digital copy of your vehicle RC Book to get customized commercial advice directly.