Other Vehicle Insurance

“Hope for the best” is a great proverb, but “prepare for the worst” is of equal consequence, even when it comes to owning a vehicle. Vehicle insurance helps vehicle owners with achieving the latter goal.

As per the Motor Vehicles Act of India, insurance is mandatory for all vehicles, personal as well as commercial. These policies provide financial compensation in case of injuries or damages caused by road accidents.

We at Unione help you pick the right vehicle insurance policy for whatever vehicle you may own, understanding your requirements and empowering you to make the right decision.

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What are the “Other” Vehicles that Classify for Vehicle Insurance?

Besides the broad bifurcation of vehicles as personal and commercial, there exist multiple other categories of vehicles:

What Vehicles Classify as Commercial Vehicles?

In India, “commercial vehicles” are typically all vehicles used strictly for commercial purposes:

Sports vehicles

Military vehicles

Specialty vehicles

Ambulances and other medical vehicles

What does a Vehicle Insurance Policy Cover?

Personal injury coverage: Coverage for injuries caused to the insured person due to a road accident when navigating the vehicle in question
Third party liability coverage: Financial aid in case of injury to third parties in accidents or damage to their vehicles
Passenger coverage: Financial compensation for the passengers travelling in the insured vehicle in case of an accident
Vehicle damage coverage: Coverage for damages to the insured vehicle

What Add-Ons should I Opt for with my Vehicle Insurance?

Engine Protection Cover: Basic insurance coverage usually doesn’t provide for damages caused by water retention in the vehicle’s engine. But in case of water seepage into a vehicle’s engine, the vehicle may be damaged completely. So, it’s a good idea to opt for an engine protection add-on cover.
Zero-depreciation cover: Also called the bumper-to-bumper cover, this add-on coverage ensures that a policyholder doesn’t pay for the depreciation value of the car’s damaged components. Hence, with this add-on, you can directly claim the entire expense incurred due to the accident.

How can Unione Help?

While insurance is an indispensable part of owning a vehicle, choosing the right commercial vehicle insurance policy is often a hassle, given the number of insurance companies prevalent today. At Unione, we make this process highly convenient for you by understanding your insurance needs, connecting you with the right people, and providing reliable information on the options available