Essential Third-Party Insurance for Your Commercial Vehicles
Transporting goods across cities, states, or even rural roads comes with its own set of challenges and risks. Whether fleet owner or a single goods carrying vehicle operator, securing your vehicle from damages with third-party insurance is not just a legal mandate—it’s a financial safeguard.
Kshema Goods Carrying Vehicle Liability Policy offers third-party coverage for trucks, tempos, and other commercial goods carriers, ensuring that you stay protected from unexpected liabilities on the road.
(Note: This policy does not cover own vehicle damage. To get own-damage cover, consider our comprehensive motor insurance plans.)
Covers damage or injuries caused to another person or property by your insured vehicle.
Covers damage to your vehicle due to accidents, fire, or natural disasters.
The maximum amount you will get in case of total loss or theft of your vehicle.
A discount on premium for claim-free years.
The amount you pay for the insurance policy.
The amount you must pay before your insurance claim is processed.
As per the Motor Vehicles Act, 1988, it is mandatory for all commercial vehicles to have a third-party insurance policy to cover liabilities arising from accidents. Non-compliance can lead to heavy fines and legal complications.
With Kshema General Insurance, you get a trusted partner that ensures you remain compliant while staying protected against third-party claims.
Drive with confidence, insured by Kshema General Insurance
For motor liability section of the policy, there will be no “Sum-Insured”. For personal accident cover for owner-driver, there will be “Sum-Insured” of 15 Lakhs.
Under no circumstances will the Company cancel statutory Motor Third Party Liability insurance, or any other compulsory insurance mandated by law except in case of double insurance or total loss.
You should immediately intimate the loss through the Kshema app or by email to customer.support@kshema.co.
• Death Certificate in respect of the insured
• Proof of title to the vehicle
• Original Policy
• Motor Claim Form
• Copy of Registration Certificate
• Copy of Driving License/Permit/Fitness/Taxes (as appliable)
• All Police papers in case of TP Injury/Death Case
• Date and Time of Accident
You must pay premium in advance. The insurance cover begins only after We receive Your premium.
The Policy period for this policy is one-year.
You can contact Kshema agent or our customer support or our company’s website for information on this product including whether it is available online, call our call centre or contact our office.
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