Taxi Comprehensive Insurance

What is Commercial Taxi Insurance for Taxi/Cabs?
A commercial taxi insurance is a commercial vehicle insurance policy for taxi/cabs to cover for you and your vehicle in case of an accident, natural calamity, etc.

As a cab or taxi driver, your car isn't only a medium of transportation, but your primary business which is why it's crucial not only to get a Limited Liability Policy but to get a Comprehensive cover to protect you and your car through it all.

Why should I insure my Taxi/Cab with a Commercial Taxi Insurance?
If you or your organization does own any kind of commercial taxi, it is mandatory by law to at least buy a Third Party liability only policy. This financially covers your business, keeps your profit margin in check and reduces downtime in case your taxi causes damages and losses to a third-party property, person or vehicle.

Businesses are usually prone to risks and if you're an asset-heavy business with many taxis, the risk only magnifies. In such cases, it is wise to purchase a standard or comprehensive package policy for your taxis or cabs as it will protect your commercial taxi and the owner-driver from any losses caused due to natural calamities, accidents, terrorist activities, fires, thefts and malicious acts, among other unforeseen circumstances.

A cab that comes with a valid insurance also assures your customers/passengers that you're responsible and serious.

An insured taxi or cab ensures you or your business doesn't face any unplanned losses or downtime, which means you can instead spend your money and time towards your business growth.

Why choose a Commercial Taxi Insurance by Digit?
We treat our customers like VIPs, know how...

Widespread garages: 1400+ Cashless Network Garages for you to choose from across India

80% Advance Payment for Repairs: If you can't find any cashless garages nearby, we will pay 80% Advance payment to the garage of your choice.

Doorstep Pickup & Repair: Doorstep pickup, repair and drop with 6 months repair warranty - for repairs at our network garages

High IDV per rupee: With us, you can customize your IDV as per your choice!


What's Covered in a Commercial Taxi Insurance?
Accidents: Damages caused to your taxi/cab in case of an accident.

Theft: Loss or damage of your taxi/cab due to theft.

Fire: Damages caused to your taxi/cab due to a fire.

Natural Disasters: Damages caused to your taxi/cab due to any natural calamity.

Personal Accident: If there is an accident of your taxi/cab, leading to an injury or death of the owner.

Third Party Losses: Any damages caused by your taxi/cab to a third party or its passengers.

Towing Disabled Vehicles: Any damages caused to your taxi/cab in cases where it's being towed.

What's not covered?
It is equally important to know what's not covered in your commercial taxi 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: In the case of a Third-Party Liability Only Policy, damages to own vehicle won't be covered.

Drunk Riding or without a License: If the owner-driver of the claimed for taxi is drunk or driving without a valid license.

Contributory Negligence: Any damage caused due to a contributory negligence of the owner-driver (such as driving when there's an existing flood)

Consequential Damages: Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged taxi is being used incorrectly and the engine gets damaged, it will not be covered)