JCB Insurance

JCB insurance is a type of commercial vehicle insurance policy that protects the JCB & Owner of the JCB in case there are damages to or by JCB in an accident, fire, or any natural calamity.

JCB Insurance Price

Types of JCB Insurance

• Third party JCB insurance – A third party JCB insurance is a commercial vehicle insurance that covers any legal liabilities resulting from any third-party damages caused by JCB. It covers third-party injuries, deaths or damages caused by the insured vehicle or the vehicle being carried. It also provides personal accident coverage for the JCB’s owner-driver.
• Comprehensive JCB insurance – It protects the insured vehicle completely by covering third-party liabilities as well as own vehicle damage. In addition to third-party person and property damage coverage, it also includes any loss or damage to the JCB caused by fire, accidents, natural disasters, vandalism, or theft. This insurance, just like a third party plan, also covers the owner/driver of JCB.

What is covered in JCB insurance?

What’s not covered?

Following are the exclusions in JCB insurance policy
• General Wear & Tear
• Any loss or damage to the insured vehicle due to war, invasion or nuclear warfare etc.
• Mechanical or electrical breakdown
• Any loss or damage caused outside the geographical area of coverage as mentioned in the policy.
• Usual depreciation of the value of the vehicle.
• Driving a JCB without appropriate driving license.
• Non-accidental losses.
• Any loss occurred to insured vehicle while using the JCB for racing or any illegal purposes.
• Any losses occurred while drunk driving of JCB.

JCB insurance cost

Jcb insurance cost is 8179 for third party 1 year insurance while comprehensive Insurance amount depends on JCB’s IDV, Manufacturing year and current no claim bonus. 

JCB insurance price list

JCB Model	Third Party Insurance Cost	Comprehensive Insurance Cost(Approx.)
JCB 2dx	8199	11425
JCB 3dx	8199	12147
JCB 3dx plus	8199	13450

How to buy/renew JCB insurance online

Steps to renew JSB insurance online 

1. Share your RC & Existing Insurance (if available) with out executive. You can share us on whatsapp by clicking here or send us email on support@policymeter.com

2. Get Best JCB insurance Premium amount from us over your email or whatsapp.

3. Make payments and Download JCB Insurance Schedule.

Personal Accident cover for owner driver in jcb insurance

Subject otherwise to the terms exceptions conditions and limitations of this policy, the Company
undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the
owner-driver of the vehicle in direct connection with the vehicle insured or whilst mounting
into/dismounting from or traveling in the insured vehicle as a co-driver, caused by violent accidental
external and visible means which independent of any other cause shall within six calendar months of
such injury result in:

Nature of injury	Scale of compensation
Death	100%
Loss of two limbs or sight of two eyes or one limb and sight of one eye	100%
Loss of one limb or sight of one eye	50%
Permanent total disablement from injuries other than named above	100%

Personal accident cover for paid driver, cleaner & conductor

In consideration of the payment of an additional premium, it is hereby understood and agreed that the
insurer undertakes to pay compensation on the scale provided below for bodily injury as hereinafter
defined sustained by the paid driver/cleaner/conductor in the employ of the insured in direct
connection with the vehicle insured whilst mounting into dismounting from or traveling in the insured
vehicle and caused by violent accidental external and visible means which independently of any other
cause shall within six calendar months of the occurrence of such injury result in :-

Nature of injury	Scale of compensation
Death	100%
Loss of two limbs or sight of two eyes or one limb and sight of one eye	100%
Loss of one limb or sight of one eye	50%
Permanent total disablement from injuries other than named above	100%

Legal liabilities to paid driver/conductor or employees in jcb insurance

In consideration of an additional premium of ` 25/- notwithstanding anything to the contrary contained
in the policy it is hereby understood and agreed that the insurer shall indemnify the insured against the
insured’s legal liability under the Workmen’s Compensation Act, 1923 , the Fatal Accidents Act, 1855
or at Common Law and subsequent amendments of these Acts prior to the date of this Endorsement in
respect of personal injury to any paid driver and/or conductor and/or cleaner whilst engaged in the
service of the insured in such occupation in connection with the vehicle insured herein and will in
addition be responsible for all costs and expenses incurred with its written consent. Provided always
that

1. This Endorsement does not indemnify the insured in respect of any liability in cases where the
   insured holds or subsequently effects with any insurer or group of insurers a Policy of Insurance in
   respect of liability as herein defined for insured’s general employees;
2. The insured shall take reasonable precautions to prevent accidents and shall comply with all
   statutory obligations;
   *3. The insured shall keep record of the name of each paid driver conductor cleaner or persons
   employed in loading and/or unloading and the amount of wages and salaries and other earnings
   paid to such employees and shall at all times allow the insurer to inspect such records on
   demand.
3. In the event of the Policy being cancelled at the request of the insured no refund of the premium
   paid in respect of this Endorsement will be allowed.
   Subject otherwise to the terms conditions limitations and exceptions of the Policy except so far as
   necessary to meet the requirements of the Motor Vehicles Act, 1988.

How to make a claim in jcb insurance

• Inform the insurance company about the incident.
• The insurance provider will make a physical inspection of the truck.
• Network garage will make the repair work evaluation.
• The insurer will approve the repair following the repair work at the network garage.
• After repairs, the invoice is submitted to the insurance provider.
• Fill up the claim form and submit all the other required documents.
• The bill will be settled directly with the network garage.

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