Tractor Insurance

Commercial Vehicle Insurance for Agriculture/Farm Tractors
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What is a Tractor Insurance?

A tractor insurance is a type of commercial vehicle insurance policy designed to protect your tractor from any unforeseen damages and losses that could occur due to instances such as accidents, collisions, natural calamities, fires or even thefts.

While a third-party liability policy for tractors only covers for damages to a third-party, a comprehensive insurance for tractors also covers for own damages and losses thus giving you and your business just the right amount of coverage you need for your tractors

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Why should I buy a Tractor Insurance?

Why choose a Commercial Tractor Insurance by Digit?

We treat our customers like VIPs, know how…

Customize your Vehicle IDV

Customize your Vehicle IDV

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

24*7 Support

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 Commercial Tractor Insurance?



Damages and losses caused to the tractor due to an accident.



Any damages and losses caused to the tractor in the case of a theft.



Any damages or losses caused to the tractor in an unfortunate case of fire.

Natural Disasters

Natural Disasters

Any damages and losses caused to your tractor due to floods, earthquakes and other natural calamities.

Personal Accident

Personal Accident

Covers for any personal injuries or death of the owner-driver of the tractor.

Third Party Losses

Third Party Losses

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

Towing Disabled Vehicles

Towing Disabled Vehicles

Covers for any damages caused to your tractor in cases where it's being towed.

What’s not covered?

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

Own Damages for Third-Party Policy holder

If you’re only going to go for a Third-Party Commercial Insurance for your tractor, then own damages and losses won’t be covered. 

Drunk Driving, or Driving Without a valid License

If during a claim, the driver-owner is found to be driving the tractor without a valid driver’s license or under the influence of alcohol then the claim can’t be approved.

Contributory Negligence

Any damages or losses caused to the tractor due to contributory negligence won’t be covered for. For example, if there are existing floods in the city, and one still takes the tractor out.

Consequential Damages

Any damages or losses that aren’t a direct result of an accident, natural calamity or fire can’t be covered for.

Key Features of Commercial Tractor 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 Commercial Tractor Insurance Plans

Based on the type of your tractor, and number of tractors you want to insure, we offer two primary plans you can choose from.

Liability Only

Standard Package


How to claim?

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

FAQs about Tractor Insurance Online in India