We, at Policy. Online understand that bigger wheels need more assurance, and so it becomes a mandate for the users to have an exclusive truck insurance plan that will provide complete protection for your heavy good carrying vehicles. Whether you own and drive a heavy commercial vehicle or you own the vehicle and someone else drives it, the law says that you will be responsible for it completely. To stay safe in such situations, and to avoid every unforeseen emergency, it's always advantageous to have commercial vehicle insurance by your side. Not only for the passenger carrying vehicle, but you can also buy the policies for the goods carrying vehicle as well.
What Does A Truck/lorry or Heavy Vehicle Insurance Cover?
When you buy heavy vehicle insurance from, you become entitled to have below mentioned benefits from the policy:
Damage Cover: In case if your car is damaged partially or completely due to any natural or man-made calamities, the insurance policy will cover every expense that has happened to your vehicle.
Personal Accident Cover: The policy provides the financial security and stability to the owners when they are driving the insured vehicle. This protection is extended to the paid drivers and other passengers in the car as well, as long as the number of passengers is limited to the carrying capacity of your automobile, excluding the driver.
Third Party Legal Liability: To keep everybody safe, this insurance policy provides the cover for damage happened to third-party property and third-party bodily injury caused by an accident involving your insured vehicle.
Comprehensive Cover: This feature helps the owner to provide complete protection to the accessories involving all the electrical as well as non-electrical accessories such as bi-fuel system of the insured vehicle as well.
What does the policy not cover? Exclusion
Loss or damage due to war or nuclear risks
Deductible as stated in your policy
Loss or damage due to ionizing radiation
Vehicle driven by someone other than the driver, as stated in the 'Driver's Clause'.
Accidental loss, damage or liability occurring outside the defined geographical area for the vehicle
Vehicles being used other than in accordance with the limitations as to use. For example, if you use a private vehicle for commercial purposes.
Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered.