6 Wheeler Truck Insurance
When you own a 6 wheeler truck, it’s essential to have the right insurance coverage to protect your investment. Here’s what you need to know about 6 wheeler truck insurance in India:
6 Wheeler Truck Insurance Price
The cost of your 6 wheeler truck insurance will depend on several factors, including:
- The age of your truck
- The make and model of your truck
- The coverage you choose
- Your driving record
It’s essential to compare prices from different insurance providers to find the best deal for your needs.
6 Wheeler Truck Insurance Price List
Here’s a list of some top 6 wheeler truck models from Tata, Mahindra, Ashok Leyland, and SML, along with their approximate insurance costs:
Truck Model | Tata | Mahindra | Ashok Leyland | SML |
---|---|---|---|---|
Third Party Premium | Rs. 29600 | Rs. 29600 | Rs. 29600 | Rs. 29600 |
Comprehensive Premium (On 10 Lac IDV) | Rs. 32145 | Rs. 32487 | Rs. 32999 | Rs. 33411 |
Keep in mind that these are approximate costs and may vary depending on your location and other factors.
Types Of 6 Wheeler Truck Insurance In India
There are several types of 6 wheeler truck insurance policies available in India. Here are some of the most common ones:
- Third-party insurance: This is the minimum insurance required by law and covers damages caused to third-party property or person.
- Comprehensive insurance: This covers damages to your truck as well as third-party damages and injuries.
- Personal accident insurance: This covers the policyholder and driver in case of an accident.
Table of Inclusions & Exclusions Of 6 Wheeler Truck Insurance Policy
Every insurance policy has its own inclusions and exclusions. Here’s a table that shows what’s typically covered and not covered by 6 wheeler truck insurance policies:
Inclusions | Exclusions |
---|---|
Accidental damage | Wear and tear |
Theft | Mechanical breakdown |
Fire | Intentional damage |
Natural disasters (floods, earthquakes, etc.) | Driving without a valid license |
Third-party damages and injuries | Driving under the influence of drugs or alcohol |
Personal accident cover | Racing or reckless driving |
It’s essential to read the policy documents carefully to understand the specific inclusions and exclusions of your insurance policy.
Claim Process
In case of an accident or other damages to your truck, here’s what you need to do to file a claim:
- Contact your insurance provider immediately.
- Provide all the necessary details of the accident, including photos and witness statements if available.
- Follow the instructions given by your insurance provider for further steps.
It’s essential to file a claim as soon as possible to avoid any complications or delays.
Documents Required
When purchasing 6 wheeler truck insurance or filing a claim, you’ll need to provide certain documents. Here’s a list of some of the most common documents required:
- Vehicle registration certificate (RC)
- Valid driving license
- Policy documents
- Proof of ownership
- FIR (in case of theft or third-party damages)
Make sure to keep these documents handy to avoid any hassles in the future.
FAQs
Here are some common questions and answers about 6 wheeler truck insurance:
- Q: Is third-party insurance enough for my 6 wheeler
A: Third-party insurance is the minimum insurance required by law, but it only covers damages to third-party property or person. It’s recommended to opt for comprehensive insurance for better coverage. - Q: Can I renew my 6 wheeler truck insurance online?
A: Yes, many insurance providers offer online renewal services for 6 wheeler truck insurance policies. It’s a convenient way to renew your policy without any hassle. - Q: What happens if I don’t renew my insurance policy on time?
A: If you don’t renew your insurance policy on time, it will lapse, and you’ll lose the coverage. You may also have to pay a penalty or fine for late renewal. - Q: Can I transfer my insurance policy to a new owner if I sell my 6 wheeler truck?
A: Yes, you can transfer the insurance policy to the new owner by following the necessary procedures and submitting the required documents. - Q: Can I add additional coverage to my 6 wheeler truck insurance policy?
A: Yes, many insurance providers offer additional coverage options such as personal accident cover, breakdown assistance, and more. You can customize your policy according to your needs.