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Maruti Omni Van Insurance
There are several compelling reasons to consider purchasing commercial vehicle insurance. The first, and foremost is the legal requirement. Under the Motor Vehicle Act, it is mandatory to possess third-party Maruti Omni Van insurance for operating any commercial vehicle in India. The insurance shields both your vehicle and business from unforeseen circumstances that could lead to significant financial losses, providing peace of mind along with fiscal security. It also covers potential losses inflicted on third parties.
Maruti Omni Van Insurance Plans#1
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Claim Benefits
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
#1 Rs 5773/- per annum is the price for third-party commercial vehicle insurance for Mahindara Alfa PAX DX registration year 2020. The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. The comprehensive commercial vehicle insurance prices mentioned above are for a 5 year Mahindara Alfa PAX DX registration year 2020. These quotes are from mentioned from lowest to highest price. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
#1 Rs 5773/- per annum is the price for third-party commercial vehicle insurance for Mahindara Alfa PAX DX registration year 2020. The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. The comprehensive commercial vehicle insurance prices mentioned above are for a 5 year Mahindara Alfa PAX DX registration year 2020. These quotes are from mentioned from lowest to highest price. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
What is Commercial Vehicle Insurance?
A Commercial Vehicle Insurance is a motor insurance policy to cover for damage and loss caused to and by a commercial vehicle. Owner of the vehicle and driver who drives the vehicle. This could include damage and losses in situations as accident, collisions, fires, theft, natural calamities, etc. it is mainly for all type of business to buy a commercial vehicle insurance for their vehicles, such as for auto rickshaws, cabs, pickups, trucks, tractors, school buses, commercial vans, jcb, harvester and amongst other.
What the Maruti Omni Van Policy Excludes?
- Depreciation: The policy does not cover loss of value in the vehicle. When you choose comprehensive Maruti Omni Van insurance with depreciation cover, you get more cover.
- Mechanical and Electrical Failures: Breakdown of electrical or mechanical components is not included.
- Illegal Activities: Coverage is void for operating a vehicle without a valid license or while under the influence of drugs or alcohol.
What the Maruti Omni Van Policy Includes?
- Third Party Liability: Insurance for accidental death or injury to third parties, as well as damages to their property.
- Accidents: Protection against damages to the vehicle resulting from accidents.
- Theft: Insurance coverage in case of vehicle theft.
- Fire and Explosion: Coverage for total or partial loss due to fire or explosion incidents.
- Natural and Manmade Disasters: Safeguards against damage caused by disasters, whether natural or human-induced.
- Personal Accident: Coverage for injuries sustained, including provisions for co-passengers with adjusted premium rates.
Comprehensive Maruti Omni Van Insurance at Policy Legit
Comprehensive Maruti Omni Van insurance combines own damage protection with third-party liability coverage within a single policy. In addition to Gross Vehicle Weight (GVW), which plays a crucial role in determining the premium for Maruti insurance, several factors influence the cost associated with obtaining comprehensive coverage for your Maruti Omni van. We suggest buying full comprehensive Maruti Suzuki Omni car insurance
No Claim Bonus Discount (NCB): NCB is a benefit awarded by insurers when no claims are filed during a policy year, resulting in discounts on renewal premiums.
IDV Value: The Insured Declared Value (IDV) represents the highest amount guaranteed by the insurer in cases of theft or total loss, essentially reflecting your vehicle's current market value.
Own Damage Discount from Insurer: This discount compensates you for expenses incurred due to damages from natural events like earthquakes and storms, as well as accidents. Generally, a higher IDV leads to an increased premium rate.
Types of Maruti Omni Van Insurance Available at Policy Legit
- Third Party Maruti Omni Van Insurance: This insurance protects against losses suffered due to property damage or injuries/death of third parties during an accident; however, it does not cover your own Maruti Omni van or loss claims arising from your vehicle through a third party policy.
- Comprehensive Maruti Omni Van Insurance: This covers all aspects of third party insurance, as well as damage that can occur from accidents, thefts, or fire-related incidents caused by external factors.
As third party insurance coverage is generally inadequate (you cannot safeguard your own vehicle), it is advisable to always opt for comprehensive Maruti Omni van insurance.
Why Buy Maruti Omni Van Insurance from Policy Legit?
We make life simpler! Low Maruti Omni insurance premiums, hassle-free renewals, fast settlement of claims are some of the critical features of our insurance policy. We help with a special set of certified workshops which do quick claim handling, pick-up and drop, high contact points sanitization and help the customer in all the possible manner. We also remain available 24 x 7 for all sorts of help.
On top of that, you can choose extra cover at a nominal, extra premium that can greatly enhance your Maruti Omni Van insurance coverage. When Maruti Suzuki Omni has car insurance online, one of the main reasons is that all the insurers mentioned at our platform have one of the vastest cashless garage networks across India. We offer 24×7 motor insurance for any vehicle. Therefore, you can get Maruti Suzuki Omni car insurance policies any time as long as your car is not older than 10 years.
What are These Add-on Covers for Your Maruti Omni van Insurance?
Opt for various add-ons, for an extra premium, when purchasing Maruti Omni van insurance.
Roadside Assistance Cover - Get help immediately in case of breakdown or accident such that you are never completely stuck.
Engine protection cover - It pays for repair or replacement of a ruined engine — the heart of your car.
Consumables Cover -Includes costs for repairing or replacing consumables such as nuts, screws, engine oil, oil filter, washer etc.
Zero Depreciation Cover -The claim amount paid was deducted as a result from depreciation based on the age.
Garage Cash Cover -Daily allowance for travel during the alternate plan when your vehicle is fixed at the garage.
Commercial Vehicle Insurance
Commercial vehicle insurance is a type of vehicle insurance policy, giving financial protection to commercial vehicles like trucks, tractors, buses, auto-rickshaws, and others. It covers losses or damages caused to the insured CV due to accident, theft, fire, natural calamities, etc. It also gives financial coverage to third parties involved in accidents for injury, property damage or even death, loss or damage caused by natural calamities, fire, man-made disasters, theft, etc.
Why do you Need Commercial Vehicle Insurance?
Some of the reasons to buy a commercial vehicle insurance policy are given below:
- Legal Obligation: As per the Motor Vehicle Act, third-party commercial vehicle insurance is mandatory to drive any commercial vehicle in India.
- Financial Security: Commercial vehicle insurance also protects your vehicle and business against any adverse situations that may cause a huge financial drain. It also saves you from monetary losses that occur due to unanticipated events, thus giving you a peace of mind alongside financial protection. Commercial vehicle insurance further covers losses occurring to any third party.
Key Features of Commercial Vehicle Insurance
A commercial vehicle insurance policy comes loaded with some salient features. Some of them are mentioned below:
- Comprehensive coverage is provided to both public and private carriers, including special types of goods-carrying vehicles.
- A commercial vehicle insurance plan also covers third party liabilities and provides monetary compensation in case of any injury or an accident.
- A separate mandatory Personal Accident (PA) Cover is also offered to cover the death or bodily injuries of the driver and the owner.
Types of Vehicles insured in Commercial Vehicle Insurance Policy
Commercial vehicles are an essential mode of transportation and are heavy-duty vehicles used daily to carry out tasks. Some of the most common commercial vehicles are:
- Trucks
- Vans
- Trailers
- Buses
- Taxies
- Coaches
- Carriers
- Shovels
- Tractors
- Cranes
- Mobile rigs
- Bulldozers
These commercial vehicles transport goods within the city/cities and from one state to another, as well as for intercity passenger tours and travel.
Types of Commercial Vehicle Insurance Policies
Majorly two types of commercial vehicle insurance policies are offered in India. These include:
Third Party (TP) Liability Commercial Vehicle Insurance Policy
The Indian Motor Vehicle Act of India has mandated commercial vehicle owners to purchase at least a third-party (TP) liability insurance. A TP policy protects damages caused to any third party property or person. It also provides financial coverage for third party injuries or deaths and also compensates for third-party property damage caused due to the insured commercial vehicle. Since commercial vehicles are heavy-duty vehicles carrying goods that increase their weight, covering them under third party commercial vehicle insurance is an utmost priority.
Comprehensive Commercial Vehicle Insurance Policy
Comprehensive commercial vehicle insurance offers an enhanced protection to your vehicle under any unforeseen circumstances. A comprehensive plan provides protection not only against third party liabilities but also your own commercial vehicle from uncertainties such as accidental damages, fire, theft, flood, earthquake, etc.
Coverage Under Commercial Vehicle Insurance
- Losses due to riots, strikes, natural calamities such as earthquakes, hurricanes, cyclones, etc, are covered
- Damages to the vehicle arising out of fire, self-ignition and explosion
- Partial or total loss to the insured vehicle due to theft, housebreaking, and burglary
- Loss or damage caused to the third-party property, vehicle, bodily injuries and death of the third person.
- Damages arising out of road accidents or collisions are also covered.
- Wear and tear/depreciation of the commercial vehicle.
- Losses incurred during a civil war, nuclear perils.
- Contractual liabilities of the owner/driver of the insured commercial vehicle are also not covered.
- The occurrence of an accident while driving with an invalid driving license or under the consumption of alcohol.
- Using a vehicle in accordance with 'limitations as to use', for instance, a private car is used as a taxi.
- Electrical and mechanical breakdown, breakage or failure of the insured vehicle.
List of Commercial Vehicle Insurance Companies in India 2025
Following is the list of general insurance companies that offer commercial vehicle insurance:
| Insurer Name | Passenger Carrying Vehicle Insurance | Goods Carrying Vehicle Insurance | Miscellaneous Vehicle Insurance |
| Bajaj Allianz Commercial Vehicle Insurance | No | Yes | No |
| Godigit Commercial Vehicle Insurance | Yes | Yes | Yes |
| New India Assurance Commercial Vehicle Insurance | Yes | Yes | No |
| Reliance General Commercial Vehicle Insurance | Yes | Yes | Yes |
| SBI General Commercial Vehicle Insurance | Yes | Yes | Yes |
| Shriram General Commercial Vehicle Insurance | Yes | Yes | No |
| United India Commercial Vehicle Insurance | Yes | Yes | No |
| Zuno Commercial Vehicle Insurance | Yes | Yes | No |
*Disclaimer: The table mentioned above is according to the alphabetical order of the insurance company. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Frequently asked Questions for Commercial Vehicle Insurance
What is the difference between Comprehensive and Third-party policy in Commercial Vehicle Insurance?
A third party insurance covers in commercial vehicle insurance only paid drivers, owner drivers if opted and to others who got injured or damaged from your vehicle like human or property.
What is a Passenger carrying vehicle?
Commercial passenger carrying vehicles help people transport from one place to another. Examples of this include public and school buses, cabs and taxis.
What is a Goods carrying vehicle?
Goods carrying vehicle is used to carry goods to transport from one place to another, it can be private use for business or public goods such as Pick-up trucks and lorries.
What is considered a miscellaneous and special vehicle category?
Vehicle is not used for passenger and goods carrying like crane and tractor and harvester like all machines considered under this category.
What should I do if my commercial vehicle gets into an accident?
You can directly call in the emergency number if any injury or in damaged condition you can call to the insurer contact number mentioned on your policy paper.
Where can I repair my commercial vehicle in case of damages?
Either you can go anywhere if you do not want any cashless facility or you can go to the insurer tie-up service centre where you can get cashless service and get your vehicle.
Explore More Under Commercial Vehicle Insurance
- Commercial Vehicle Third Party Insurance
- Commercial Vehicle Insurance Companies
- Tractor Insurance
- Truck Insurance
- Pick Up Van Insurance
- School Bus Insurance
- Goods Carrying Vehicle Insurance
- Passenger Carrying Insurance
- Auto-Rickshaw Insurance
- E-rickshaw Insurance
- Bus Insurance
- Tempo Traveller Insurance
- Trailer Insurance
- Tipper Insurance
- Heavy Truck Insurance
- Tanker Insurance
- Bulker Insurance
- Taxi Insurance
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