কমার্শিয়াল গাড়ির ইনস্যুরেন্স

দুর্ঘটনা-সম্পর্কিত আঘাত বা অন্য মানুষের মৃত্যু.

দুর্ঘটনা যেভাবেই ঘটুক না কেন, এর ফলে হওয়া মৃত্যুর মতো ক্ষতি অপূরণীয়. আইনে বলা হয়েছে যে দুর্ঘটনায় আক্রান্ত ব্যক্তিরা স্থায়ীভাবে আহত হলে বা তাঁদের মৃত্যু হলে তাঁদের যথেষ্ট পরিমাণে এবং ন্যায্য ক্ষতিপূরণ দিতে হবে. এই জাতীয় ঝুঁকি কভার করার জন্য পলিসি বেছে নিয়ে আপনি আপনার দায়বদ্ধতা সীমিত করে তুলতে পারেন.

অন্যান্য মানুষের সম্পত্তির দুর্ঘটনা-সম্পর্কিত ক্ষতি

Bajaj General Third Party Insurance plans help you make good any damages to third-party property. This includes damage to infrastructure such as office premises, machinery etc.

এমন একটি জিনিস আছে যার থেকে আপনি বহু দূরে থাকতে চাইবেন: পলিসির মেয়াদ শেষ হয়ে যাওয়া. এটি আপনাকে সেই সমস্ত ঝুঁকির সম্মুখীন করে তুলবে যা থেকে আপনার এবং আপনার ব্যবসার সুরক্ষা প্রয়োজন. ইনসিওর্ড হয়ে থাকার ফলে আপনি শুধু বেঁচে থাকার পরিবর্তে সমৃদ্ধি অর্জনের দিকে অগ্রসর হন!

কার ইনস্যুরেন্সের প্রিমিয়াম

A car insurance premium is the amount you pay to your insurer for financial protection against road risks. It’s influenced by several factors including the car's make, model, age, usage type (private/commercial), engine capacity and location. The chosen policy—third-party or comprehensive—also plays a key role.

Add-ons like zero-depreciation, NCB protectionor engine cover can increase the premium but offer broader car insurance coverage. To ensure peace of mind and cost-effectiveness, insurers like Bajaj General Insurance offer competitive premiums with maximum value, supported by 7,200+ cashless garages across India.

Why Choose Commercial Vehicle Insurance from Bajaj General?

Bajaj General is a leading provider of commercial taxi insurance online, offering:

● Wide Range of Plans: Choose from various plans to suit your specific vehicle type and business needs.

● Competitive Premiums: Get competitive quotes and flexible payment options.

● Extensive Network: Access a vast network of cashless garages for repairs, minimising downtime.

● 24/7 Customer Support: Get prompt and efficient assistance anytime, anywhere.

Ever since the wheel was invented, the world has never been the same. From pizza to aircraft parts, commercial goods-carrying vehicles are the lifeblood of modern businesses worldwide. The refreshing cup of Assam tea on your table right now would probably have traversed thousands of kilometres to reach you!

● Cab aggregator services that make your commute to the office pleasant or passenger-carrying vehicles that shuttle tourists from sun-kissed beaches to historic palaces, are services that one cannot imagine life without!

● Globally, businesses depend on commercial vehicles to deliver value to their customers. As a business owner, risks represent new opportunities; however, they also come with costs such as road accidents which can happen without warning.

● If you run a hotel or transport business, for example, your bread and butter depends on the smooth functioning of your fleet of commercial vehicles. If an unfortunate accident does occur, chances are you may end up staring at a huge loss of revenue, often due to legal troubles. Not to mention, the consequential losses - dissatisfied customers and lost business opportunities!

● Commercial Vehicle Insurance helps mitigate such losses by protecting your business against third-party liabilities. While accidents are hard to predict, Commercial Vehicle Insurance can save you from having to bear the costs of litigation as a consequence of it.

● The Motor Vehicles Act requires every commercial vehicle to be equipped with motor insurance compulsorily. It is illegal for vehicles to ply on the roads without at least a third-party liability insurance coverage. This is why it has been termed as “Act Only Cover”.

● At Bajaj General, we make the process of choosing the right insurance for your needs simple. As a trusted provider of Commercial Vehicle Insurance since 2001, we leverage world-class domain expertise and service delivery to support our customers across the country.

● We’re here to cover you against any third party liability that may arise out of an accident. From application to claim settlement, you can pick and choose from a range of services relating to Commercial Vehicle Insurance online. Our innovative approach to serving you has brought us recognition as the Best general insurance Company at the World Quality Congress 2018.

● When disaster strikes, it all happens in a split second. We have made our insurance claim process and policy renewal speedy and responsive to your time sensitive needs. With Bajaj General by your side, you are covered against everything from severe damages to permanent disability suffered by third parties. The result: freedom from lengthy lawsuits and related expenses.

● Our cashless claim settlement process takes just a few minutes to complete and helps you get on with serving your customers. Our customer service teams work round the clock to deliver customized solutions, keeping you on the road to success.

● Whether you are a small business owner or a large enterprise, with Bajaj General, you get transparent, reliable and efficient Commercial Vehicle Insurance coverage anywhere in India. Our website lets you choose from a wide range of Commercial Vehicle Insurance solutions online.

● It is designed to give you all the information and tools you need to make the right choices for securing Commercial Vehicle Insurance. Don’t forget to do your bit for the environment by going paperless; get insurance quotes, update claim forms, renewals and more, at the click of a mouse!

● Depending on the extent of damage, the costs of an accident can be quite substantial. At Bajaj General, we give you a reason to smile, knowing that it will all be taken care of!

● A Commercial Vehicle Insurance Policy also helps turn your business risks into opportunities for fuelling growth.

আমাদের অফারগুলির সাথে আপনার গাড়ির ফলে উদ্ভূত থার্ড পার্টি লায়াবিলিটি সুরক্ষিত করুন.

Basis of Arriving at Insured Declared Value (IDV) of the Insured Vehicle:

List of products specified in the list above are governed by the Indian Motor Tariff.

The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insured’ and it will be fixed at the commencement of each policy period for each insured vehicle.

The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the insured vehicle at the commencement of the Policy. The IDV shall change according to the depreciation grid below for each block of one year within the policy period.

THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE

The age-wise depreciation schedule shown above is applicable only for Total Loss/Constructive Total Loss (TL/CTL)/Cash Loss claims.

IDV of vehicles beyond 5 years of age and for obsolete models (i.e. models that manufacturers have discontinued) is to be determined on the basis of mutual agreement between the Insurer and the Insured.

IDV shall be treated as the Market Value throughout the Policy Period without any further depreciation for the purpose of Total Loss (TL)/Constructive Total Loss (CTL)/Cash loss claims.

Basis of Arriving at TL (Total Loss)/CTL (Constructive Total Loss) of the Insured Vehicle:

The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and/or repair of the vehicle, exceeds 75% of the IDV of the vehicle, subject to terms and conditions of the policy.

The liability of the Company shall not exceed the Insured's Declared Value (IDV) of the vehicle in the event of total loss/ constructive total loss/cash loss for the year in which loss has occurred. IDV as on date of loss shall be computed as specified under basis of arriving at Insured Declared Value (IDV)

If a damaged motor vehicle is assessed as being unrepairable and hence a wreck i.e. a ‘total loss’ or ‘write-off’, You shall have the option to retain the wreck and accept a ‘cash loss’ settlement (being the IDV less the assessed value of Salvage based on competitive quotes procured by the Insurer including any submitted by or through the Policyholder).

Note: For the purpose of computation TL (Total Loss)/CTL (Constructive Total Loss) of the Insured Vehicle aggregate cost of retrieval shall mean Company’s aggregate liability as per the terms and conditions of the policy.

*বিস্তারিত তথ্যের জন্য অনুগ্রহ করে পলিসির শর্তাবলী ডাউনলোড করুন.