Goods Carriers
For pickups like Tata Yodha, Mahindra Bolero Pickup and Tata Ace, mini-trucks and heavy trucks carrying goods across Assam and the Northeast.
Commercial Vehicle Insurance in Guwahati
Insurance for your goods carriers, pickups, trucks, taxis, autos and buses — compared across top insurers, with claim support at every step. We serve all of Assam.
10,000+Cashless GaragesAcross India incl. Guwahati
100%Claim SupportWe guide you every step
50,000+Motor Policies IssuedCars, bikes & commercial
24/7Emergency SupportCall us anytime
Commercial Vehicles
Commercial Vehicles We Insure
Protect your business vehicles — trucks, autos, taxis, buses — with specialized commercial vehicle insurance policies.
Taxi & Cab
For taxis, cabs and tourist vehicles carrying fare-paying passengers — including airport, Shillong and long-route cabs.
Auto Rickshaw & E-Rickshaw
For three-wheeler autos and e-rickshaws used for passengers or goods.
Bus & School Bus
For school buses, staff buses and private buses carrying passengers.
Miscellaneous & Special Vehicles
For tractors, cranes, JCBs and other special-purpose vehicles.
Fleet Insurance
Own several vehicles? We manage the whole fleet's policies and renewal dates in one place.
- Fleet insurance options
Coverage Types
Third-Party vs Comprehensive — For Commercial Vehicles
| What's covered? | Third-PartyMandatory | RecommendedComprehensive (Package)Complete protection |
|---|---|---|
| Death or injury caused to another person | ||
| Damage to another person's property | ||
| Personal accident cover for owner-driver (compulsory) | ||
| Legal liability to your paid driver / cleaner | ||
| Damage to your own vehicle in an accident | ||
| Theft of your vehicle | ||
| Fire | ||
| Flood, landslide & other natural calamities | ||
| Add-on covers (Zero Depreciation, Engine Protect…) | ||
| Meets the legal requirement |
Third-Party Insurance (Mandatory) — it is legally required for all vehicles in India. Comprehensive Insurance (Recommended) — best protection for your investment.
Before You Buy
Keep These Valid — Or Your Claim Can Be Rejected
Permit & Fitness
- Commercial vehicles need a valid permit and fitness certificate.
- If either has expired on the date of an accident, the insurer can reject your own-damage claim.
Driver's Licence
- The driver must hold a valid licence for that class of vehicle.
- A badge / endorsement is needed where required, on the day of the accident.
Don't Overload
- Goods carrier policies carry a warranty that the vehicle is never loaded beyond its registered GVW (Gross Vehicle Weight).
- Overloading can put your claim at risk.
Boost Your Coverage
Useful Add-Ons for Commercial Vehicles
Zero Depreciation
Get the full claim amount without any depreciation cut on parts.
Engine Protect
Covers engine damage from water ingression or lubricant leakage — a must in Assam's flood-prone areas.
Roadside Assistance
24/7 emergency help — towing, fuel delivery, flat tyre, battery jump-start.
Lamps, Tyres & Tubes (IMT 23)
Covers damage to lamps, tyres, tubes, mudguards and bonnet, which are otherwise limited in a commercial policy.
Paid Driver & Cleaner PA
Personal accident cover for your driver, cleaner and conductor.
Add-on availability depends on the insurer, vehicle age and type. We tell you exactly what is available for your vehicle.
Motor Insurance
What is No Claim Bonus (NCB)? How much discount can I get?
NCB is a reward for not making any claims during your policy year. The discount on your renewal premium grows with each claim-free year:
- 20%1 year
- 25%2 years
- 35%3 years
- 45%4 years
- 50%5+ years
NCB belongs to YOU (the policyholder), not the vehicle. You can transfer it if you buy a new car or switch insurers. We help you preserve your NCB when renewing.
No Claim Bonus works for commercial vehicles too. A claim-free goods carrier can save up to 50% on the own-damage premium at renewal — we help you keep and transfer it.
Can I transfer my insurance to a new vehicle?
Yes! When you sell your old vehicle and buy a new one, you can transfer your accumulated NCB to the new vehicle's policy. You have 3 years from the date of sale to use the NCB. We handle all NCB transfer paperwork for you.
Documents
Documents Needed for a Quote
Keep these ready
- RC (Registration Certificate)
- Previous policy copy (for renewal)
- Permit
- Fitness certificate
- Owner's PAN / Aadhaar (or company GSTIN)
For renewal
- Just share your vehicle number or previous policy details with us — we handle the rest!
Claims
How a Commercial Vehicle Claim Works
- 1
Initiate Claim
Call us or your insurer right after the accident. We register the claim with you.
- 2
Tow or Drive to Network Garage
Take the vehicle to a cashless network garage — we help you find the nearest one.
- 3
Damage Inspection
The insurer's surveyor inspects the damage and approves the repair estimate.
- 4
Repair in Progress
The garage repairs your vehicle; we follow up so it doesn't get stuck.
- 5
Direct Cashless Settlement
The insurer pays the garage directly — you pay only the non-covered part.
FAQ
Commercial Vehicle Insurance — Questions
Yes. At least Third-Party insurance is mandatory under the Motor Vehicles Act, 1988 — for commercial vehicles as for private ones. Driving without it can lead to a fine and imprisonment, and many permit and fitness renewals ask for a valid policy.
Yes. The Third-Party premium for goods carriers is fixed by IRDAI and depends on the vehicle's GVW (Gross Vehicle Weight); passenger vehicles depend on seating capacity. The own-damage part depends on the vehicle's value (IDV), age and the add-ons you choose.
If the vehicle is registered as a commercial / goods vehicle, it needs a commercial vehicle policy. Using the wrong policy type can lead to claim rejection — share your RC and we will advise.
Yes. We handle fleet insurance — we track every vehicle's renewal date and remind you before each one expires.
Yes! Comprehensive motor insurance covers flood damage under "Natural Calamities." Given Assam's flood-prone geography, we always recommend Comprehensive insurance with an Engine Protect add-on. This covers engine damage from water ingression — a very common issue in Assam's rainy season.
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