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🚛 Complete protection for your commercial fleet

Keep Your Business Moving
with SAS Commercial Vehicle Insurance

Protect your trucks, tempos, buses, and commercial fleets with comprehensive coverage. Get instant policy, cashless repairs, and 24/7 roadside assistance.

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Goods Carrying
Passenger Carrying
Commercial Vehicle Insurance

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Types of Commercial Vehicles We Insure

Comprehensive coverage for all types of commercial vehicles

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Goods Carrying

Trucks, Lorries, Tempos, Pickup Vans

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Passenger Carrying

Buses, Minibuses, Taxis, Cabs

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Trailers

Full Trailers, Semi-Trailers

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Miscellaneous

Cranes, Bulldozers, Tankers, Ambulances

Types of Commercial Vehicle Insurance Coverage

Choose the right protection for your business vehicles

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Comprehensive Insurance

Covers both third-party liabilities and own damage. Best for complete fleet protection.

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Standalone Own Damage

Covers only your vehicle's damages. Ideal if you already have third-party insurance.

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✅

Third Party Insurance

Mandatory coverage for legal compliance. Most affordable option.

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Compare Commercial Vehicle Insurance Plans

Coverage & BenefitsComprehensiveStandalone ODThird Party
Accidental Damages✓✓✗
Natural Calamities✓✓✗
Fire✓✓✗
Theft✓✓✗
Riot, Strike & Terrorist Activities✓✓✗
Damage in Transit✓✓✗
Third Party Property Damage✓✗✓
Third Party Injury/Death✓✗✓
Personal Accident Cover✓✓✗
Add-ons Available✓✓✗
No Claim Bonus (NCB)✓✓✗

Features & Benefits of SAS Commercial Vehicle Insurance

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15,200+ Network Garages

Hassle-free cashless repairs across India

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SAS Guru App

Instant policy & quick claim settlement

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Fleet Insurance Plans

Special discounts for multiple vehicles

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24/7 Customer Support

Dedicated fleet relationship manager

What's Covered & Not Covered

What's Included

Natural disasters (earthquakes, floods, cyclones, storms, landslides)
Personal Accident cover for owner-driver (up to ₹15 lakh)
Man-made disasters (theft, fire, riot, strike, road accident)
Third-party legal liability (injury, death, property damage)
Damage during transit (road, rail, air, waterway)

What's Not Included

Wear and tear and ageing of vehicle
Depreciation of the vehicle
Driving without valid license or under influence
Mechanical/electrical breakdown
War, nuclear risks, civil war, mutiny, rebellion
Overloading or carrying prohibited goods

Insured Declared Value (IDV) for Commercial Vehicles

IDV = Manufacturer's Listed Price – Depreciation. Higher IDV means better coverage.

Vehicle AgeDepreciation for IDV
Not exceeding 6 months5%
Exceeding 6 months - 1 year15%
Exceeding 1 - 2 years20%
Exceeding 2 - 3 years30%
Exceeding 3 - 4 years40%
Exceeding 4 - 5 years50%

Fleet Insurance Discount

Special discounts available for fleet of 5+ vehicles

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6 Reasons to Buy Commercial Vehicle Insurance from SAS

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Fleet Discounts

Save up to 50% on fleet policies

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Instant Policy

Get covered in under 5 minutes

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Cashless Garages

15,200+ network across India

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Instant Claim Approval

Live video inspection via app

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Pan India Support

24x7 breakdown assistance anywhere

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No Claim Bonus

Up to 50% NCB on renewal

Simple Claim Process for Commercial Vehicles

Quick and hassle-free claim processing with live video inspection.

  1. 1
    Intimate Claim
    Call 24/7 helpline or use SAS Guru App
  2. 2
    Inspection
    Opt for video inspection or physical inspection
  3. 3
    Approval & Repair
    Get instant repair approval and track claim status
📞 24/7 Commercial Vehicle Claim Support: +91 9511146113

InstaSpect - Live Video Inspection

Complete your vehicle survey digitally. Get instant approval. Minimize downtime.


Trusted by 10,000+ fleet operators
🚛🚚🚛

Fleet Insurance for Commercial Operators

Special solutions for businesses with 5+ vehicles. Customized coverage, dedicated RM, and attractive discounts.

Bulk Discounts
Save up to 50% on premiums
Dedicated RM
Single point of contact
Flexible Premium
Pay as per your convenience
Centralized Management
Manage all vehicles from one dashboard
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Benefits of Buying Commercial Vehicle Insurance Online

Instant Policy
Get policy in minutes
Zero Paperwork
Completely digital
100% Secure
SSL encryption
Easy Comparison
Compare 25+ insurers
Fleet Management Portal
Track all your vehicles in one place
Buy Commercial Vehicle Insurance Online →

Frequently Asked Questions about Commercial Vehicle Insurance

Yes, third-party insurance is mandatory for all commercial vehicles.

Fleet insurance covers multiple vehicles under one policy with special discounts.

Goods vehicles carry cargo; passenger vehicles carry people. Premiums vary by type and capacity.

Based on IDV, GVW, seating capacity, policy type, and fleet size.

Typically issued for 1 year. Long-term options available for some vehicles.