Had a loss? Call the deskCall the desk92514 56334WhatsAppSign in to your claimSign inClaims across India
Claims DeskbyReport a loss
Menu

Commercial Vehicle Damage

Damage to your own truck, tempo, bus, taxi or company vehicle by accident, fire, theft or natural cause.

Also calledCommercial Vehicle Package Policy · Own Damage · Motor Fleet

File/Claims library/Commercial motor/A vehicle accident

First thing, todayDo not authorise repairs before the survey, and check the driver's licence class before you make any statement.

Three deadlines
  • Tell the insurer now, not after the assessment.
  • The police the same day if anybody was hurt or the vehicle is gone.
  • Every document within the time the insurer asks for it.
A car at the roadside with its front wing stove in
A car at the roadside with its front wing stove in. An illustration.

When you would claim

  • Road accident damaging the vehicle
  • Fire, flood or natural damage to the vehicle
  • Theft of the vehicle or of parts from it
  • Damage while the vehicle was parked or under repair

What insurers most often rely on

  • Driving licence not valid for that class of vehicle, which is the commonest single ground on this cover
  • Fitness certificate or permit expired at the time of the accident
  • Vehicle used for a purpose outside the limitations of use
  • Repairs carried out before survey
  • Overloading, or carriage of passengers on a goods vehicle

Most are answered by a document that existed on the day of the accident and is far harder to obtain a month afterwards.

The documents

before the workshop, not after

12 items, and the order matters more than the length. Almost all of it has to exist before the vehicle goes in for repair.

  • Claim form and the FIR where there is injury, death or TP damage
  • Registration certificate, fitness certificate and permit
  • Driver's licence, and its endorsement for that class of vehicle
  • Photographs of the vehicle at the scene before it was moved
  • Load documents where goods were being carried
  • Repair estimate from the workshop, itemised
  • The replaced parts, kept until the surveyor releases them
  • Cancelled cheque and bank details in the insured's name, for the NEFT payment
  • Details of any other insurance covering the same risk
  • A claim bill: the amount claimed, itemised, with the working behind it
  • Load challan or goods receipt where the vehicle was loaded
  • Final repair invoice and payment receipt, in addition to the estimate
Survey, then repairThe dates that decide a motor claim are the intimation, the survey, and the day the vehicle went in. Written down on the first day, that line settles the repair-before-survey argument before it starts.

Next

Commercial Vehicle Claim: What to Do

Commercial motor claims are refused on paperwork far more often than on the facts of the collision: the licence, the permit, the fitness, the load.

Most often lost by: Authorising repairs before the survey, and discovering afterwards that the driver's licence was not valid for that class of vehicle.

Read the declared value

There is no average clause here. What caps the claim is the IDV on your schedule, and on a total loss or a theft that figure is the entire settlement. An IDV pushed down to hold the premium down is a discount you pay back once, at the worst moment.

Filed under: Commercial motor · A vehicle accident

Claims that sit next to this one

the same vehicle, or its load

Motor Third-Party Liability

the other half of the same policy

Carriers' Legal Liability

the goods on the lorry

Contractors' Plant and Machinery

plant that drives on a road

Vehicle damaged and the surveyor still not been to the garage? Report a loss or call 92514 56334.