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Buy/Renew Light Commercial Vehicle Insurance (LCV) Policy Online in 2025

What is Light Commercial Vehicle Insurance?

A Light commercial vehicle (LCV) insurance is a type of commercial vehicle insurance designed for lightweight vehicles used for transporting goods commercially

The types of vehicles that are covered under LCV insurance include mini trucks, pickups, minivans and other vehicles that fall under LCV category.

A light commercial vehicle insurance protects you and your vehicle in case of an accident, theft, natural calamity, liability to third parties, etc.

You need a Liability Only policy to legally comply with the law, which offers the most basic features. In case of Liability only polices any damage to the insured vehicle and property will not be covered. However, if you want enhanced protection, you can customise your insurance policy with the Standard Package and various add-ons available at Digit Insurance, and that too at affordable premiums online.

Note: Light Commercial Vehicle Insurance in Commercial Vehicles will covered under Digit Commercial Vehicle Package Policy - Goods Carrying Vehicle.

UIN number IRDAN158RP0001V01201819

Why Do You Need Commercial Vehicle Insurance for Light Goods Vehicles?

You need to have a light commercial vehicle insurance policy due to the following reasons:

  • In India, it is mandatory to have at least a Third-Party Liability Only commercial vehicle insurance policy for light goods vehicles. Failure to comply with which can lead to penalties.
  • Getting insurance for your light commercial vehicle also provides liability coverage, meaning that it will cover any damage or loss to third-party due to your vehicle.
  • Depending on the type and terms of policy bought, the policyholder is also paid compensation for bodily injury/death sustained by the owner/ driver of the vehicle.
  • Light commercial vehicle insurance also covers the cost of repairs or replacement if your vehicle is damaged or stolen, thus protecting you from any financial risks.
  • Commercial vehicles such as tempos are often used for carrying goods and online deliveries, making them more prone to accidents, damage or loss. So, protecting them with the Standard Package insurance policy will protect you in such situations.

Why choose a Light Commercial Vehicle Insurance by Digit?

We treat our customers like VIPs, know how…

Customize your Vehicle IDV

Customize your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Super-Fast claims

Smartphone enabled self-inspection processes takes minutes!

What's covered in a Light Commercial Vehicle Insurance?

Accidents

Accidents

Damages and losses caused to the heavy-duty vehicle due to an accident.

Theft

Theft

Any damages and losses caused to the heavy-duty vehicle in the case of a theft.

Fire

Fire

Any damages or losses caused to the heavy-duty vehicle in an unfortunate case of fire.

Natural Disasters

Natural Disasters

Any damages and losses caused to your vehicle due to floods, earthquakes and other natural calamities.

Personal Accident

Personal Accident

Covers for any personal injuries or death of the owner-driver of the vehicle.

Third Party Losses

Third Party Losses

Covers for losses and damages caused to a third-party vehicle, property or person due to the insured heavy-duty vehicle, in the case of an accident or collision.

Towing Disabled Vehicles

Towing Disabled Vehicles

Covers for any damages caused to your vehicle in cases where it's being towed.

What’s not covered?

It is equally important to know what’s not covered in your Light Commercial Vehicle insurance policy so that there are no surprises when you make a claim. Here are some such situations:

Own Damages for Third-Party Policy holder

If you’re only going to go for a Third-Party Commercial Insurance for your commercial vehicle, then own damages and losses won’t be covered. 

Drunk Driving, or Driving Without a valid License

If during a claim, the driver-owner is found to be driving the insured vehicle without a valid driver’s license or under the influence of alcohol then the claim can’t be approved.

Contributory Negligences

Any damages or losses caused to the heavy-duty vehicle due to contributory negligence won’t be covered for. For example, if there are existing floods in the city, and one still takes the tractor out. 

Consequential Damages

Any damages or losses that aren’t a direct result of an accident, natural calamity or fire can’t be covered for.

Key Features of Light Commercial Vehicle Insurance by Digit

Key Features

Digit Benefit

Claim Process

Paperless Claims

Customer Support

24x7 Support

Additional Coverage

PA Covers, Legal Liability Cover, Special Exclusions and Compulsory Deductibles, etc

Damages to Third-Party

Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

Types of Light Commercial Vehicle Insurance Plans

Based on the type of your heavy-duty vehicle and number of vehicles you want to insure, we offer two primary plans you can choose from.

Liability Only

Standard Package

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How to claim?

Call us at 1800-258-5956 or drop us an email at hello@godigit.com

Keep your details such as policy number, location of the accident, date & time of the accident, and contact number of the insured/caller handy to make our process easier.

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

What our customers have to say about us

Vikas Thappa

I had a wonderful experience while prossesing my vehicle insurance with Digit Insuarnce . It is so customer friendly equipped with apt technology. Claim got resorted within 24 hrs even without physically meeting any person. The customer centers handled my calls well. My special recognition to Mr Ramaraju Kondhana who was handled the case in a excellent way.

Vikrant Parashar

Really an fab insurance company which declared the highest idv value n staff is really courteus n i m totally complacent with the staff n specially credit goes to uves farkhun who timely infork me about various offers n benifits which push me to buy policy only from digit insurance n now i have decided to buy policy of another vehicle from digit insurance only bcs of many factors lyk cost-related and service-related.

Siddharth Murthy

It was a good experience of buying my 4th Vehicle insurance from Go-digit. Ms. Poonam devi explaining the policy well, as well as she knew what was the expectation from the customer and gave the quote according to my needs. And it was Hassle free to make the payment online. Special thanks to Poonam for getting this done Asap. Hope the Customer relationship team become better day by day!! Cheers.

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FAQs about Light Commercial Vehicle Insurance