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Maruti Super Carry Insurance
Maruti Super Carry Insurance is available online at Policy Legit. This insurance provides coverage for your Maruti Super Carry against losses due to accidents, theft, fire, and natural calamities.
Maruti Super Carry 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.
There are two main types of Maruti Super Carry insurance:
- Third-Party Insurance: This covers damages to other vehicles and injuries or deaths of other persons involved in an accident. However, it does not cover damages to your own Maruti Super Carry.
- Comprehensive Insurance: This is highly recommended as it covers damages to your own vehicle in addition to third-party liabilities. The comprehensive Maruti Super Carry Insurance also provides protection against losses from theft, fire, or any natural calamity.
Add-On Available with Maruti Super Carry Insurance
When purchasing commercial vehicle insurance, business owners have the option to enhance their coverage with various add-on covers, providing extra protection and convenience.
No Claim Bonus Protector - One key option is the No Claim Bonus (NCB) Protector. This safeguards the accumulated discount earned from claim-free years. The add-on covers the vehicle even if the insured vehicle is involved in an accident. This makes it ideal for those operating in accident-prone areas or who frequently lend their vehicles.
Roadside Assistance Cover - The roadside assistance cover offers crucial emergency support in case of breakdowns. It covers towing, battery jumpstarts, fuel delivery, medical help, or temporary accommodation. When you choose Maruti Super Carry insurance with this add on, you can get assistance during unexpected road troubles.
Invoice Protection Cover - It helps bridge the gap between the vehicle’s depreciated value and its original invoice price. Owners get full reimbursement in the event of a total loss. However, this benefit applies only to vehicles less than three years old.
Zero Depression Cover - For newer or high-value vehicles, the Zero Depreciation Cover allows for full claim settlement without factoring in depreciation on parts. Similarly, the Consumables Cover includes items like bolts, screws, or brake fluid that are usually excluded from standard policies.
Accessories Cover protects - The Accessories Cover protects valuable electrical and non-electrical accessories against theft or damage. In addition to these add-ons, some Maruti Super Carry insurance companies offer more add-ons.
Maruti Super Carry Insurance: What's Covered and What's Not
Inclusions (What's Covered):
Comprehensive Maruti Super Carry insurance offers coverage for a variety of unfortunate events, ensuring your peace of mind. This includes:
- Theft: Compensation if your insured car is stolen.
- Natural Calamities: Damages caused by events such as floods, earthquakes, or storms.
- Total Loss: Coverage for the complete loss of your vehicle.
- Man-Made Calamities: Damages resulting from events like riots, strikes, or malicious acts.
- Fire Damages: Coverage for damage caused by fire.
- Third-Party Liabilities:
- Damages to a third-party's property.
- Injury or death of a third party involved in an accident.
- Accidental Damages: Costs incurred due to unforeseen accidents.
- Add-on Coverage: Additional protection based on selected add-on covers.
- Personal Accident Cover: A mandatory add-on for the owner, providing compensation in case of injury or death.
Exclusions (What's Not Covered):
Certain situations are not covered under Maruti Super Carry insurance. These include damages due to:
- Drunk Driving: Operating the vehicle under the influence of alcohol.
- Mechanical or Electrical Breakdown: Damage related to the internal functioning of the car, not external impact.
- Intentional Damage: Deliberate acts to harm the car.
- Consequential Loss: Damages that occur as a result of attempting to operate the car after an initial damage has already happened.
- Regular Wear and Tear: Deterioration of the vehicle due to normal use over time.
- Driving Without a Valid Licence: Operating the vehicle without proper authorization.
- Illegal Activities: Damages incurred during illegal racing, overspeeding, or similar unlawful acts.
- Geographical Limits: Damages that occur outside the policy's specified geographical area.
- Commercial Use: Using a private vehicle for commercial purposes.
Buying Maruti Super Carry Insurance Online
Step 1: Visit Website or Contact the Team
Visit Policy legit website, or contact our team
Step 2: Provide Vehicle Details
Provide your vehicle's information, including its registration number, make, model, variant, and details of any previous policies you held.
Step 3: Select and Customize Your Plan
Choose your desired car insurance plan and any add-ons. You can also adjust the Insured Declared Value (IDV) if needed.
Step 4: Review and Pay
Review your chosen plan and proceed to pay the premium to complete your Maruti Super Carry insurance purchase.
Factors which determine Maruti Super Insurance Price
1. GROSS WEIGHT OF VEHICLE – Third party price for Maruti Super insurance is fixed as IRDA decides Goods Carrying Vehicles third party insurance price on the basis of their GWV which means Gross Weight of Vehicle. For all vehicles upto 7.5 ton the price is 15990 plus GST for private goods carrier and 15990 plus GST for public goods carrier. All Maruti Super variants has gross weight under 7.5 ton so the price is fixed as mentioned above in 2026.
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
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