Passenger Carrying Vehicle Insurance

Commercial Vehicle Insurance for Passenger Carrying Vehicles

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What is a Passenger Carrying Vehicle Insurance?

A passenger carrying vehicle insurance is a type of commercial vehicle insurance policy, designed to protect any commercial vehicles used for the purpose of transporting passengers from one place to another.

This passenger carrying vehicle insurance protects the vehicle from damages and losses that could arise in case of an accident, natural calamity or fire, amongst other unforeseen events.

The most common types of passenger carrying vehicle insurance policies include a bus insurance, van insurance, taxi/cab insurance and auto rickshaw insurance, among others.

Types of Passenger Carrying Vehicles Covered:

Buses: Buses such as school buses, private tour buses and others used for the purpose of transporting passengers from one place to another are covered under a passenger carrying vehicle insurance policy.
Auto Rickshaws: All auto rickshaws used for commercial purposes; transporting people from one place to another too can be covered under this policy.
Taxis, Cabs and Commercial Cars: Cabs and commercial cars such as your daily uber, ola and other private cars used for commercial, public transportation can be covered under a passenger carrying vehicle insurance.
Vans: Vans such as school vans and private tour minibuses used for commercial purposes too are covered under this policy.

Protection from Unforeseen Losses: Whether it is due to a natural calamity, accident, collision or even a fire; a passenger carrying vehicle insurance helps compensate for these uncertain losses, and thereby protects your business from being liable to them.
Comply with the Law: As per the Motor Vehicle Act, it is compulsory for all vehicles including ones used for commercial purposes to be insured with at least a basic, third-party motor insurance to help protect one from losses and damages caused to any third-party; such as a person, property or vehicle.
Covers for Owner-Driver: Insuring your commercial vehicle with a passenger carrying vehicle insurance does not only protect the vehicle but, also covers for the owner-driver.
Passenger Protection: While buying a passenger vehicle, one can also opt to cover for their passengers; thus, being a responsible business that cares for not only oneself but for all its stakeholders involved.

Why choose a Passenger Carrying Vehicle Insurance by Digit?

We treat our customers like VIPs, know how…

Customize your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 call facility even on National Holidays

Super-Fast claims

Smartphone enabled self-inspection processes takes minutes!

What's covered in a Passenger Carrying Vehicle Insurance?

Accidents

Damages and losses caused to the passenger carrying vehicle in an unfortunate case of an accident.

Theft

Any damages and losses caused to the passenger carrying vehicle due to theft.

Fire

Any damages or losses caused to the passenger carrying vehicle in the case of a fire.

Natural Disasters

Any damages and losses caused to the passenger carrying vehicle due to floods, earthquakes and other natural calamities.

Personal Accident

Covers for any personal injuries or death of the owner-driver of the the passenger carrying vehicle.

Third Party Losses

Covers for losses and damages caused to a third-party vehicle, property or person due to the passenger carrying vehicle, in the case of an accident or collision.

Towing Disabled Vehicles

Covers for any damages caused to the passenger carrying vehicle in cases where it's being towed.

What’s not covered?

It is equally important to know what’s not covered in your passenger carrying vehicle insurance policy so that there are no surprises when you make a claim. Here are some such situations:

Key Features of Passenger Carrying Vehicle Insurance by Digit

Key Features	Digit Benefit
Claim Process	Paperless Claims
Customer Support	24x7 Support
Additional Coverage	PA Cover, Legal Liability Cover, Special Exclusions and Compulsory Deductibles, etc
Damages to Third-Party	Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

Types of Passenger Carrying Vehicle Insurance Plans

Based on your type of passenger carrying vehicle; i.e. bus, rickshaw, van, etc; we primarily have two plans to choose from.

Liability Only

Standard Package

Damages caused by your passenger carrying vehicle to any third-party person or property.	✔	✔	×
Damages caused by your passenger carrying vehicle to a third-party vehicle	✔	✔	×
Loss or damages to own passenger carrying vehicle due to natural calamities, fire, theft or accidents.	×	✔	×
Injury/death of passenger carrying vehicle owner-driver If the owner-driver doesn’t already have a Personal Accident Cover from before	✔	✔	×

How to claim?

Call us at 1800-258-5956 or drop us an email at [email protected]

Keep your details such as policy number, location of the accident, date & time of the accident, and contact number of the insured/caller handy to make our process easier.

FAQs about Passenger Carrying Vehicle Insurance Online in India

✓ What is the difference between a third-party and comprehensive passenger carrying vehicle insurance package policy?

A third-party passenger carrying vehicle insurance only protects you against losses and damages caused to a third-party person, property or vehicle by your vehicle.

On the other hand, a comprehensive passenger carrying vehicle insurance package policy covers for damages and losses to your own vehicle and the owner-driver as well.

✓ What is IDV in a passenger carrying vehicle insurance policy?

IDV refers to Insured Declared Value; which is nothing but the market value of your passenger carrying vehicle. It ultimately also helps decide your commercial vehicle insurance premium and claim payouts during claims.

✓ Does a passenger carrying vehicle insurance also cover for the passengers or only the vehicle?

Yes, if you purchase a comprehensive passenger carrying vehicle insurance package policy, you can then also opt for a passenger cover to protect your passengers as well.

✓ What are the benefits of buying a passenger carrying vehicle insurance online?

Buying a passenger carrying vehicle insurance online has many benefits; such as it saves you time (you need not go to an agent), no paperwork involved and the process of both buying the policy to making a claim is simple, and less time consuming!