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Go Digit Commercial Vehicle Insurance
Go Digit Commercial Vehicle Insurance is a modern, digital-first motor insurance solution designed specifically for vehicles used in business, transport, and logistics operations. Commonly known as Go Digit CV Insurance or Digit Commercial Vehicle Insurance, this policy helps protect vehicle owners, drivers, and businesses from financial losses caused by accidents, theft, legal liabilities, and natural disasters.
With its technology-driven approach, Go Digit has simplified commercial vehicle insurance by offering quick online purchase, transparent coverage, and faster claim settlement, making it a preferred choice for small business owners, transporters, and fleet operators across India.
Commercial Vehicle 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
#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
About Go Digit General Insurance Limited
Go Digit General Insurance Ltd is an IRDAI-registered general insurance company built with a digital-first mindset. The company focuses on removing complexity from insurance by offering clear policy terms, paperless processes, and app-based claim handling.
Official Website
- www.godigit.com
What Is Go Digit Commercial Vehicle Insurance?
Go Digit commercial vehicle insurance is a motor insurance policy that provides mandatory legal coverage along with optional own-damage protection for vehicles used for commercial purposes. As per the Motor Vehicles Act in India, all commercial vehicles must have at least third-party insurance to operate legally.
Digit’s commercial vehicle insurance ensures:
- Legal compliance
- Financial security against damages and liabilities
- Business continuity without unexpected repair costs
Commercial Vehicles Covered Under Go Digit Insurance
Go Digit offers insurance for a wide range of commercial and business-use vehicles, including:
- Goods carriers and delivery vehicles
- Light, medium, and heavy trucks
- Pickups and mini trucks (Tata Ace, Dost, Bolero Pickup, etc.)
- Commercial cars and taxis
- Three-wheelers (cargo & passenger)
- Tractors and agricultural vehicles
- Fleet vehicles under single or multiple policies
Types of Go Digit Commercial Vehicle Insurance Plans
1. Third-Party Commercial Vehicle Insurance
- Mandatory as per Indian law
- Covers injury, death, or property damage to third parties
- Does not cover damage to your own vehicle
2. Comprehensive Commercial Vehicle Insurance
- Covers third-party liability plus own-damage losses
- Protection against accidents, theft, fire, floods, and riots
- Highly recommended for daily-use commercial vehicles
3. Standalone Own-Damage Policy
- Covers damage to your commercial vehicle only
- Requires an active third-party policy
4. Fleet Insurance
- Suitable for businesses owning multiple commercial vehicles
- Simplified renewals and centralized management
Coverage Benefits of Go Digit Commercial Vehicle Insurance
A comprehensive policy from Go Digit typically covers:
- Accidental damage and collision losses
- Theft and total loss of the vehicle
- Fire, explosion, and self-ignition
- Natural calamities like floods, earthquakes, cyclones
- Man-made risks such as riots and vandalism
- Legal liability towards third parties
Optional Add-Ons for Enhanced Protection
To reduce out-of-pocket expenses during claims, Go Digit offers useful add-ons such as:
- Zero depreciation cover
- Engine and gearbox protection
- Roadside assistance
- Consumables cover
- Personal accident cover for driver and passengers
- Return to invoice (for eligible vehicles)
Factors Affecting Go Digit Commercial Vehicle Insurance Premium
The premium amount depends on several factors, including:
- Vehicle type and load capacity
- Vehicle age and Insured Declared Value (IDV)
- Fuel type (Diesel / Petrol / CNG)
- City and RTO zone
- Usage type (goods or passenger)
- No Claim Bonus (NCB) eligibility
- Selected add-ons and policy tenure
Go Digit Online Services for Commercial Vehicle Owners
Go Digit offers a completely digital experience with services such as:
- Buy commercial vehicle insurance online
- Instant policy issuance
- Online policy renewal
- Policy document download
- Easy endorsements and updates
- Digital claim intimation
Cashless Garage Network
Go Digit has an expanding network of cashless garages across India, enabling:
- Hassle-free repairs
- Faster claim settlements
- Minimal paperwork
Go Digit Commercial Vehicle Claim Process
Go Digit is well known for its fast and tech-enabled claims process:
- Register the claim online or via the Go Digit app
- Complete digital self-inspection (where applicable)
- Vehicle repair at a cashless garage or reimbursement option
- Quick claim settlement
This streamlined process helps reduce vehicle downtime and keeps business operations running smoothly.
Why Choose Go Digit Commercial Vehicle Insurance?
100% digital and paperless process
Simple and easy-to-understand policy wording
Fast claim settlement with app-based tracking
Affordable premiums for small and medium businesses
Easy online renewal and policy downloads
Suitable for single vehicle owners and fleet operators
Customer Experience & Market Reputation
Go Digit commercial vehicle insurance is widely appreciated for:
- Transparency in coverage
- Smooth digital onboarding
- Quick claim approvals
- User-friendly mobile app
Conclusion
Go Digit Commercial Vehicle Insurance is an ideal solution for businesses seeking a modern, hassle-free, and affordable insurance option for their commercial vehicles. With digital convenience, reliable coverage, and efficient claims handling, Go Digit helps protect your vehicles, drivers, and income from unexpected risks.
Whether you operate a truck, mini commercial vehicle, taxi, tractor, or fleet, Go Digit ensures your business stays protected and compliant on every journey.
What is comprehensive and third-party policy in terms of commercial vehicle?
In commercial vehicle insurance a third-party insurance covers any damage to a third party that is except your vehicle, and the driver. On the other hand, a comprehensive policy covers the insured vehicle itself (including damage or loss due to accidents, fire, theft, natural events, etc.) as well as third-party liabilities.
What is a passenger carrying vehicle?
A passenger carrying vehicle is a commercial vehicle which charges passengers for the privilege of driving them - often in the form of buses or coaches. Examples are buses, vans, taxis and the like.
What is meant by Goods carriage vehicle?
A goods vehicle is a commercial road vehicle used for transporting goods. These may include trucks, lorries, pick-up vans, tempos and so forth.
What is a miscellaneous and special vehicle type?
Vehicles, which can not be easily placed into the groups of "passenger taking" or "goods taking" vehicles are classified as miscellaneous and special vehicles. Considering a case of the same, such vehicles may comprise ambulances, cinema vans, special purpose vehicles (SPVs), construction site vehicles and/or similar types.
My commercial truck has been in an accident, what should I do?
If your commercial vehicle gets into an accident:
- Engine off (if safe) and make sure all persons are well guarded.
- Assess for injuries and call medical help if required.
- Photograph/videotape the accident scene: vehicle damage, road conditions, skid marks, etc.
- Inform the police (Log an FIR if necessary – in particular where there is injury to a third-party or damage to property).
- Contact your insurance company promptly (you may only have 24-72 hours to report) and go through their claim procedure.
- Have all relevant documents in place: Vehicle registration, policy papers, driving licence, FIR/incident report and photos.
How to get the mobile van repaired in case of damage for my commercial vehicle?
You can have the vehicle serviced at a workshop at any of your insurer’s authorised or network garages (which typically tie-up for cashless claims). If the car is not drivable, have it towed in accordance with your policy. It is a good idea to check with your auto insurer before you start major repairs, to prevent the denial of a claim.
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