Go Digit Commercial Vehicle Insurance

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