ICICI Lombard
Motor Private Car
₹13,100/yr · IDV ₹8.1L
- Claim ratio
- 95.6%
- IDV
- ₹8.1L
- Max NCB
- 20%
- Zero-depreciation (2 claims/yr)
- Engine + hydrostatic lock
- 24×7 roadside assistance
Commercial vehicle
Cover that keeps your business moving.
Taxis, trucks, delivery vans — insurance built around goods-in-transit, passenger liability and commercial usage. Includes zero-dep, towing and fleet-discount options.
Fleet
Discounts available
Goods
In-transit cover
24×7
Breakdown assistance
Top picks
Top commercial plans.
Three standouts for a 2021 Tata Ace · IDV ₹5.2L · 4-state permit.
Best value
HDFC ERGO
Motor Secure
₹14,800/yr · IDV ₹8.3L
- Claim ratio
- 93.1%
- IDV
- ₹8.3L
- Max NCB
- 25%
- Return to invoice
- Consumables cover
- Key replacement included
Bajaj Allianz
Drive Assure Plus
₹15,640/yr · IDV ₹8.4L
- Claim ratio
- 94.2%
- IDV
- ₹8.4L
- Max NCB
- 30%
- Pay-as-you-drive discount
- NCB protection
- Tyre + rim damage
Common questions.
Who needs commercial vehicle insurance?
Anyone using their vehicle for hire / reward (taxis, goods carriage, app-based ride-share) per Motor Vehicles Act §66. Personal car insurance is voided the moment the vehicle is monetised; commercial cover protects the hiring revenue + cargo + driver.
What is IDV and why does it matter?
Insured Declared Value is the current market value of your vehicle — the max we pay out on total loss/theft. A higher IDV = slightly higher premium, but much larger cheque if things go wrong.
Zero-depreciation — is it worth it?
For cars < 5 years old, yes. Insurers normally deduct 30–50% depreciation on parts at claim time; zero-dep waives that. Pays for itself in one medium-sized claim.
Can I transfer my NCB to a new car?
Yes. No-claim bonus is tied to you, not the car — carry it on portability or when you switch insurers. Just ask for the NCB certificate.
What does third-party-only cover?
Legal liability only — damage to another vehicle, person or property. Nothing for your own car. Cheaper but insufficient if your vehicle is worth protecting.
Sub-products
Other shapes of motor cover.
Running a mixed fleet? Switch between commercial, comprehensive car/bike and EV policies — all on the same insurer.
Most bought
Comprehensive car
Own damage + third-party, with zero-dep + engine protect.
Cars under 5 years old
from ₹2,094/yr
Comprehensive bike
Own damage + third-party cover for two-wheelers.
Most two-wheeler owners
from ₹842/yr
Third-party only
Legally mandated cover for other vehicles + people.
Older vehicles · budget option
from ₹2,094/yr
You’re here
Commercial vehicle
Taxi, truck, delivery van — goods + passenger cover.
Business + fleet owners
from ₹6,840/yr
EV insurance
Battery + charger cover, extra for towing incidents.
Electric car + bike owners
from ₹2,380/yr
Protect your working vehicle.
90 seconds, 9 insurers, fleet + single-vehicle quotes. No spam calls.
Start my quote