Third Party Insurance
Indian law requires vehicle owners to obtain third-party insurance if they intend to operate their vehicles on public roads. A third-party commercial goods carrying vehicle insurance policy provides coverage to the insured party in the event of third-party liabilities resulting from accidents.

Comprehensive Insurance
To safeguard your goods carrying vehicle against unforeseeable events like natural disasters, fires, theft, riots, and other potential risks, a comprehensive insurance policy is the recommended choice. In addition to this protection, a comprehensive plan also includes third-party liability coverage and the option to select multiple add-ons for further coverage.

Natural Disasters
This insurance policy covers damages resulting from natural disasters such as floods, storms, landslides, earthquakes, hailstorms, lightning, and other similar events that can affect goods carrying vehicles. Since these vehicles are particularly susceptible to such incidents, coverage against them is crucial to safeguard your investment.

Fire
Fires can cause significant damage, especially to large goods carrying vehicles with high engine capacities. A comprehensive goods carrying vehicle insurance policy can provide significant savings in such situations by covering losses resulting from naturally occurring fires as well as those caused by human actions

Theft
Theft is another potential risk that commercial goods carrying vehicle insurance can provide coverage for, including compensation for incidents like theft, larceny, and break-ins. Since goods carrying vehicles often travel long distances on unknown roads, the risk of theft is substantial, making this coverage even more essential.

Third-party liabilities
Third-party liabilities are also covered under a comprehensive goods carrying vehicle insurance policy, including harm to third-party individuals and damages to their vehicles or property.

Add on protection
Add-ons are available to enhance your financial protection further. Popular add-ons include zero depreciation coverage, allowing you to claim the entire amount without considering depreciation value, and NCB protector, which enables you to raise a claim without affecting your NCB discount and freezing your claim-free streak.

It is equally important to comprehend what is not covered by your auto insurance policy to prevent unexpected surprises while making a claim. Here are a few examples:

Third-Party Policyholder's Own Damages:
Under a Third-Party or Liability-Only Car Policy, damages to one's own vehicle are not covered.

Driving Under the Influence or Without a License:
Driving while intoxicated or without a valid driver's license is not covered by the policy.

Driving Without a Valid Driver's License:
If you were driving with a learner's permit and without a valid driver's license holder in the front seat, it is not covered by the policy.

Consequential Damages:
Any damages that are not directly caused by the accident are not covered. For example, if the damaged car is driven incorrectly after an accident and the engine gets damaged, it will not be covered.

Contributory Negligence:
Any damages that are not a direct result of the collision are not covered. For example, if the damaged car is driven incorrectly after an accident and the engine gets damaged, it will not be covered.

Add-ons Not Purchased:
Add-ons deal with specific scenarios. If you have not purchased those add-ons, the associated situations will not be covered.