{"id":1924,"date":"2022-09-03T10:50:35","date_gmt":"2022-09-03T05:20:35","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1924"},"modified":"2022-11-17T10:08:04","modified_gmt":"2022-11-17T04:38:04","slug":"commercial-vehicle-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/commercial-vehicle-insurance\/","title":{"rendered":"Commercial Vehicle Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/commercial-vehicle-insurance\/#Commercial_Vehicle_Insurance\" >Commercial Vehicle Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/commercial-vehicle-insurance\/#Is_It_Mandatory_to_Buy_Commercial_Vehicle_Insurance\" >Is It Mandatory to Buy Commercial Vehicle Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/commercial-vehicle-insurance\/#Types_of_Commercial_Vehicle_Insurance\" >Types of Commercial Vehicle Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/commercial-vehicle-insurance\/#Inclusions_of_Commercial_Vehicle_Insurance\" >Inclusions of Commercial Vehicle Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/commercial-vehicle-insurance\/#Exclusions_of_Commercial_Vehicle_Insurance\" >Exclusions of Commercial Vehicle Insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/commercial-vehicle-insurance\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Tushar, an auto-rickshaw driver, had taken a commercial vehicle insurance policy. Due to the storm, damages were caused to his auto-rickshaw. He informed the insurance company about the incident. He was hoping that the claim will be initiated quickly.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">However, his claim was rejected by the insurance company. The rejection letter mentioned the reason for the claim rejection. The letter stated- The policy covers only third-party liabilities. It does not cover own damages. As a result, the insurance company denied the claim.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Here, Tushar bought a commercial vehicle policy ignoring the fact that the policy bought covers third-party liability only. A third-party liability or liability-only policy does not cover own damages.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">There are many cases where customers buy policies without even understanding what type of policy they are purchasing or what are the inclusions and exclusions of the policy. It is the duty of the customer to read the terms and conditions of the policy document before buying it. Also, insurance companies give a 15-day <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/how-to-cancel-your-insurance-period-during-free-look-period\/\">free look period<\/a> to review their policy and reconsider whether to continue the policy or cancel it.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">This blog will help you to understand the inclusions, exclusions, and types of commercial vehicle insurance.\u00a0<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-1926\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Commercial-Vehicle-Insurance.jpg\" alt=\"Commercial Vehicle Insurance\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Commercial-Vehicle-Insurance.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Commercial-Vehicle-Insurance-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Commercial-Vehicle-Insurance-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Commercial-Vehicle-Insurance-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Commercial-Vehicle-Insurance-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Commercial-Vehicle-Insurance-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Commercial_Vehicle_Insurance\"><\/span><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: black;\">Commercial Vehicle Insurance<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">A commercial vehicle insurance policy is a type of motor vehicle insurance policy that covers damages\/losses caused by or to the commercial vehicle. It is a customized insurance policy that covers fire, accidents, natural calamities, etc.\u00a0<\/span><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Is_It_Mandatory_to_Buy_Commercial_Vehicle_Insurance\"><\/span><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: black;\">Is It Mandatory to Buy Commercial Vehicle Insurance?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">As per the Motor Vehicle Act, it is mandatory for all business owners to buy at least a <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/\">liability-only policy<\/a> for their commercial vehicles. This means that all auto-rickshaws, e-rickshaws, cabs, tractors, trucks, commercial vans, etc., are required by the law to purchase an insurance policy to protect themselves from third-party liabilities caused by their commercial vehicle.<\/span><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Types_of_Commercial_Vehicle_Insurance\"><\/span><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: black;\">Types of Commercial Vehicle Insurance<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">There are two types of insurance for commercial vehicles:<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Liability-only policy:<\/span><\/b><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\"> It protects the policyholder in case an accident occurs and a third party gets injured or dies. It also covers the party property damage.<\/span><\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"white-space: pre-wrap;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Comprehensive policy:<\/span><\/b><\/span><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\"> It covers both third-party liabilities as well as damages to the owner\u2019s commercial vehicle.<\/span><\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Inclusions_of_Commercial_Vehicle_Insurance\"><\/span><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: black;\">Inclusions of Commercial Vehicle Insurance<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">A commercial vehicle insurance offers:<\/span><\/p>\n<h4><strong>Part A: Damage\/loss to the insured vehicle<\/strong><\/h4>\n<p>A package policy covers loss\/damage caused to the insured vehicle arising out of<\/p>\n<ol>\n<li>Fire, lightning, and explosion<\/li>\n<li>Riots, strikes, and malicious acts<\/li>\n<li>Burglary and theft<\/li>\n<li>Natural calamities like floods, storms, typhoons, earthquakes, etc<\/li>\n<li>Terrorist activity<\/li>\n<li>Landslide rockslide<\/li>\n<li>Other damages as mentioned in the policy document<\/li>\n<\/ol>\n<p>Note: In case of earthquakes, damages due to fire and shock will be covered.<\/p>\n<h4 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Part B: Third-party liabilities<\/span><\/b><\/h4>\n<p>The policy will cover the following damages caused by the use of an insured vehicle:<\/p>\n<ol>\n<li>Death or bodily injury to the third person<\/li>\n<li>Damage to the property of the third party<\/li>\n<\/ol>\n<h4 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Part C: Towing disabled vehicles<\/span><\/b><\/h4>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">The policy covers damages caused by the commercial vehicle (used for the purpose of towing) to the vehicle being towed.<\/span><\/p>\n<h4 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><b><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Part D: Personal accident cover\u00a0<\/span><\/b><\/h4>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">The policy covers the death or injury of the owner-driver caused by an accident of the commercial vehicle provided, the owner-driver should be the registered owner of the vehicle, owner-driver should be the insured in the policy and possess a valid driving license.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Note: In liability-only policy, only Part B is covered.<\/span><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Exclusions_of_Commercial_Vehicle_Insurance\"><\/span><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: black;\">Exclusions of Commercial Vehicle Insurance<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>A deliberate attempt to make a claim<\/li>\n<li>Policy not active at the time of loss<\/li>\n<li>Loss incurred due to war, invasion, the act of foreign enemies<\/li>\n<li>Contractual liabilities are not covered<\/li>\n<li>Driving without a license<\/li>\n<li>Consequential damages<\/li>\n<li>Driving under influence of alcohol or drugs<\/li>\n<li>Negligence by the owner-driver<\/li>\n<li>Not using the vehicle in accordance with \u201climitation as to use\u201d eg. a passenger commercial vehicle used for carrying goods.<\/li>\n<li>In the case of a liability-only policy, own damages are excluded.<\/li>\n<\/ol>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">Read the terms and conditions of the policy document carefully as there can be more inclusions and exclusions in your policy.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: black;\">If you face any problem related to insurance, you can contact Insurance Samadhan. We have helped resolve 14,500+ complaints of policyholders. We\u2019ll be happy to help you.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/cashless-claims-in-health-insurance\/\">Cashless claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life insurance policy<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/dengue-insurance-coverages-and-exclusions\/\">Dengue Claim Rejection<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\n<p>You can also<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\">Click here<\/a>\u00a0to register your case with us<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/commercial-vehicle-insurance\/\"\n  },\n  \"headline\": \"Commercial Vehicle Insurance\",\n  \"description\": \"A commercial vehicle insurance policy is a type of motor vehicle insurance policy that covers damages\/losses caused by or to the commercial vehicle. It is a customized insurance policy that covers fire, accidents, natural calamities, etc.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Commercial-Vehicle-Insurance.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-09-03\",\n  \"dateModified\": \"2022-09-03\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tushar, an auto-rickshaw driver, had taken a commercial vehicle insurance policy. Due to the storm, damages were caused to his auto-rickshaw. He informed the insurance company about the incident. He was hoping that the claim will be initiated quickly. However,&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/commercial-vehicle-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1927,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[143],"tags":[144],"class_list":["post-1924","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-motor-insurance","tag-commercial-vehicle-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Commercial Vehicle Insurance - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"A commercial vehicle insurance policy is a type of motor insurance that covers damages\/losses caused by or to the commercial vehicle.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/commercial-vehicle-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Commercial Vehicle Insurance - 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