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Third-Party Coverage
Defend against potential third-party claims arising from accidents that damage their property or cause bodily harm or even fatalities.- Need Help
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HEALTHLINE NUMBERS FOR OUR HEALTH INSURANCE CUSTOMERS & PA
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1800 210 3366
1800 210 6366
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Main
Ready To Get Started?
Reach Out & Give Us A Call. We're Here To Help. Available 24/7
Our Customers
1800 102 1111
Our Agents & Intermediaries
1800 22 1111
HEALTHLINE NUMBERS FOR OUR HEALTH INSURANCE CUSTOMERS & PA
Available 24/7
1800 210 3366
1800 210 6366
Need Support?
Have Queries About Your Current Product? Please Write Us An Email & We'll Sort it Out.
customer.care@sbigeneral.in
Rigorous Protection for Your Commercial Motor Trailer
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Natural Calamities
Get comprehensive protection against losses or damages inflicted by natural calamities such as earthquakes, floods, cyclones, and more.
Human-made Perils
Ensure reimbursements against losses stemming from human-induced incidents like theft, riots, and other disturbances.
Customizable Cover
Enhance the basic policy with optional riders like Return to Invoice Cover or a Depreciation Waiver.
Why Opt for a Commercial Motor (Trailer) Policy
Holistic Coverage for Your Commercial Trailer
SBI General’s Commercial Motor (Trailer) Insurance Policy ensures you’re secured against unforeseen third-party claims due to mishaps involving your trailer. Not only does the coverage help you settle third-party claims, but it also provides you with legal protection.
Who should buy this policy?
For businesses deeply rooted in the commercial transportation sector, this policy is invaluable. If an accident involving your trailer results in damage to third-party properties, the law may hold you accountable. Through this insurance, you can uphold both your financial and legal interests, in compliance with the Motor Vehicle Act, 1988, which mandates third-party liability coverage for all vehicle owners.
What is Covered Under Motor Commercial (Trailer) Policy
Take a look at the various features of the Motor Commercial (Trailer) Policy offered by SBI General Insurance
Key Feature
- This form of cover provides Insurance against.
- Loss, destruction or damage to the insured vehicle (trailer) caused by an insured event as stated in the policy wording.
- Any liabilities as described in B) below.
- This form of cover provides Insurance against.
- Legal Liability to pay compensation for third-party injury or death arising out of the use of the insured vehicle (trailer).
- Legal Liability to pay compensation for third-party property damage caused by the use of the insured vehicle (trailer).
- Compulsory Personal Accident for the owner-driver of the Insured Two-wheeler as per the policy terms and conditions.
A) Comprehensive Cover
B) Liability Only Cover
What’s Covered
- Third party liability: protects against any legal liability arising out of the use of the vehicle (trailer), towards third parties arising on bodily injury to / on death of a person and any damage caused to third party property.
- Loss or damage to the vehicle: The policy covers against any loss or damage caused to the vehicle (trailer) or its accessories due to the following natural and manmade calamities.
- Natural Calamities: Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
- Man-made Calamities: Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, and any damage in transit by road, rail, inland waterway, lift, elevator or air.
Coverage
What’s Not Covered
- Normal wear, tear and general ageing of the vehicle (trailer).
- Depreciation or any consequential loss.
- Mechanical/ electrical breakdown.
- Vehicle (trailer) being used otherwise than in accordance with limitations as to use.
- Damage to / by a person driving the vehicle (trailer) without a valid license.
- Damage to / by a person driving the vehicle (trailer) under the influence of drugs or liquor.
- Loss / damage due to war, mutiny or nuclear risk.
Any loss/damage to the vehicle (trailer) and/or its accessories will be not be covered if caused by the following-
Key Feature
What’s Covered
What’s Not Covered
Key Feature
- This form of cover provides Insurance against.
- Loss, destruction or damage to the insured vehicle (trailer) caused by an insured event as stated in the policy wording.
- Any liabilities as described in B) below.
- This form of cover provides Insurance against.
- Legal Liability to pay compensation for third-party injury or death arising out of the use of the insured vehicle (trailer).
- Legal Liability to pay compensation for third-party property damage caused by the use of the insured vehicle (trailer).
- Compulsory Personal Accident for the owner-driver of the Insured Two-wheeler as per the policy terms and conditions.
A) Comprehensive Cover
B) Liability Only Cover
What’s Covered
- Third party liability: protects against any legal liability arising out of the use of the vehicle (trailer), towards third parties arising on bodily injury to / on death of a person and any damage caused to third party property.
- Loss or damage to the vehicle: The policy covers against any loss or damage caused to the vehicle (trailer) or its accessories due to the following natural and manmade calamities.
- Natural Calamities: Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
- Man-made Calamities: Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, and any damage in transit by road, rail, inland waterway, lift, elevator or air.
Coverage
What’s Not Covered
- Normal wear, tear and general ageing of the vehicle (trailer).
- Depreciation or any consequential loss.
- Mechanical/ electrical breakdown.
- Vehicle (trailer) being used otherwise than in accordance with limitations as to use.
- Damage to / by a person driving the vehicle (trailer) without a valid license.
- Damage to / by a person driving the vehicle (trailer) under the influence of drugs or liquor.
- Loss / damage due to war, mutiny or nuclear risk.
Any loss/damage to the vehicle (trailer) and/or its accessories will be not be covered if caused by the following-
Not sure which plan to settle for?
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- RENEW POLICY
- CLAIM POLICY
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With our quick and seamless renewal process, you can renew your policy effortlessly from the comfort of your home.
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Customers’ well-being and convenience are top priority for us. We offer a hassle-free claim process & provide thorough claim assistance.
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At SBI General, we know that Trust is Earned
FAQs about Motor Commercial (Trailer) Policy
Here are the commonly asked questions about Motor Commercial (Trailer) Policy
If you are in business of motor trade selling new cars of any specific manufacturer, you will need to obtain insurance for unregistered vehicles kept at show room or at warehouse or during transit from warehouse to show room within a specified radius as defined in policy.
Yes, according to the Motor Vehicle Act, it is mandatory to at least have a third-party insurance policy for your goods-carrying vehicle to run legally on the road.
No, Motor trailer insurance policy only protects the vehicle from damages or losses and the owner-driver from any bodily injuries.
Yes, it also covers the owner-driver (which is not applicable for the customer type, corporate).
That depends on the type of trailer vehicle in use and the primary city of operation, etc. For more detailed information, you can check and quote.
Product UIN
IRDAN144RP0013V01201213
Disclaimer:The above information is indicative in nature, for more details on complete coverage and terms & conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
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