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Trailer insurance is a type of commercial vehicle insurance that is designed to financially safeguard anyone who owns or uses a trailer for commercial purposes. Trailer insurance policy provides coverage against a variety of risks, including theft, damage, and liability.
So, by having a trailer insurance plan, you can protect your investment and ensure peace of mind while on the road. This is why here is a detailed guide for trailer insurance price, renewal, importance, and more.
Trailer insurance is a specialized commercial vehicle insurance policy that provides coverage for trailers used for various purposes like transportation, construction, recreational, etc. It offers financial help to the policyholder against damages or losses incurred due to accidents, theft, natural calamities or third-party liability.
You can avail the trailer insurance policy by paying an affordable premium, and in return, benefit from financial protection in case of any damage to the vehicle.
Note: Trailer Insurance in Commercial Vehicles has been filed as Digit Commercial Vehicle Package Policy - Miscellaneous & Special Types of Vehicles.
UIN Number: IRDAN158RP0003V01201819.
Getting a trailer insurance is essential for several reasons, such as:
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It is equally important to know what’s not covered in your Trailer Insurance policy so that there are no surprises when you make a claim. Here are some such situations:
Comprehensive commercial vehicle insurance for trailer covers your own commercial vehicle against damage or loss in an unfortunate accident. It also covers damage, loss, or injury to third parties caused due to your trailer. Therefore, with a trailer comprehensive plan you are financially protected against injuries, damage, natural disasters, and theft.
You can further enhance your insurance coverage with this plan by opting for suitable add-ons available with CV insurance.
Third-party liability only commercial vehicle insurance for trailers protects your vehicle only against damage, loss or injury to third-party property or person due to your vehicle. It is mandatory to have at least a third-party insurance policy in India.
Also, IRDAI fixes the trailer third-party insurance price and no add-ons are available with this plan.
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.
Damages caused by your heavy vehicle to any third-party person or property. |
✔
|
✔
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Damages caused to any third-party person or property by the vehicle being towed by your insured heavy vehicle. |
✔
|
✔
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Loss or damages to own heavy vehicle due to natural calamities, fire, theft or accidents. |
×
|
✔
|
Injury/death of heavy vehicle owner-driver If the owner-driver doesn’t already have a Personal Accident Cover from before |
✔
|
✔
|
On the Digit App or website, enter the commercial vehicle’s registration number, mobile number, and click on ‘View Prices.’
Select the plan, add-ons and IDV, and click on ‘Continue.’
Enter your personal, nominee and vehicle details and click on ‘Pay Now.’
Complete the payment and mandatory KYC verification process.
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
To buy trailer insurance online from Digit, you only need the following 3 documents:
To file a claim against trailer insurance online, follow these steps:
Inform your insurer as soon as possible by calling Digit on 1800-258-5956 or dropping an email at hello@godigit.com.
Keep your details handy such as policy number, location of the accident, date and time of the accident, and contact number of the insured/caller to make the process easier.
Present the required documents required to file the claim and wait for the insurers to verify the details. Upon verifying, your claim will be processed.
To do trailer insurance renewal online with Digit, follow the given steps:
Go to Digit App or website and click on the ‘My Policy’ tab.
Select the policy pending for renewal and click on ‘Renew Policy.’
Now select the plan, IDV, add-ons and confirm the details, then click on ‘Pay Now.’
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
If you already have an active trailer insurance policy, you can easily download the policy document by following the given steps:
On the Digit App, go to the ‘My Policies’ tab at the bottom. All your current active policies will be displayed.
Choose the policy for which you want to download the document. Check the details and then click on ‘Download Policy’.
Your trailer insurance policy document will be downloaded.
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