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Kshema General Insurance

IRDAI Reg No. 162 | Category of Certificate of Registration: General Insurance | CIN: U66000TG2018PLC125484

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Kshema General Insurance Limited #413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana - 500016, India

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BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale.

Trade logo displayed above belongs to Kshema Capital Private Limited and is licensed to Kshema General Insurance Limited.

Kshema Goods Carrying Vehicle Liability Policy

Third-party liability cover for goods carrying vehicles that protects you from financial liability arising from third-party injury, death, or property damage due to an accident.

  • Covers third-party injury, death, and property damage, as per policy terms
  • Personal accident cover of INR 15 Lakh included for the owner driver
  • Indemnity for authorised drivers operating the vehicle with the owner's permission, subject to policy terms and conditions
A green-cabbed box truck with a yellow container, beside a dark green shield carrying a white tick

What is
Goods Carrying Vehicle Liability Policy?

Essential Third-Party Insurance for Commercial Vehicles

Transporting goods across cities, states, or rural roads comes with inherent risks and challenges. Whether you are a fleet owner or operate a single goods-carrying vehicle, securing them with a third-party insurance is not just a legal mandate but an important financial safeguard.

The Kshema Goods Carrying Vehicle Liability Policy provides third-party coverage for trucks, tempos, and other commercial goods carriers. It helps protect you against unexpected third-party accident liabilities, so you can operate with confidence on the road.

A green flatbed pickup beside a dark green shield carrying a white tick

Why Choose Kshema
Goods Carrying Vehicle Liability Policy?

Third-party liability cover for goods carrying vehicles is designed to protect you from financial liability arising from third-party injury, death, or property damage due to an accident.

  • Legally Compliant

    Meets all statutory/IRDAI-mandated third-party insurance requirements

  • Personal Accident Cover

    Safeguard yourself/your driver with personal accident cover

  • Quick Claims Process

    Seamless claims process to minimise disruptions.

  • Financial Protection

    Covers up to 100% third-party injury, death, and property damage caused by the insured vehicle.

  • Customisable Add-ons

    Tailor-made add-on covers for enhanced protection.

  • Affordable Plan

    Extensive protection at affordable premiums for commercial vehicle owners.

Coverage

  • Legal liabilities when someone else drives the insured’s vehicle with prior permission

  • Personal accident cover for the owner-driver

  • Indemnification for authorised driver

  • Legal costs and expenses

  • Damage to third-party property

  • Third-party injury or death

Learn the Basics

Important Policy Details You Should Know

Understanding these common terms will help you make better decisions when choosing your car insurance policy.

  • Third-Party Insurance

    Covers damage or injuries caused to another person or property by your insured vehicle.

  • Own-Damage Insurance

    Covers damage to your vehicle due to accidents, fire, or natural disasters.

  • Insured Declared Value (IDV)

    The maximum amount you will get in case of total loss or theft of your vehicle.

  • No Claim Bonus (NCB)

    A discount on premium for claim-free years.

  • Premium

    The amount you pay for the insurance policy.

  • Deductible

    The amount you must pay before your insurance claim is processed.

Hassle Free Claims

How to File a Claim

Our seamless claims process ensures you get back on the road faster. Report, document, and track your claim entirely online with just a few clicks.

View Claims Process

FAQs

Request a Callback Now!

Need help with finding the best insurance solution ? Our representative will guide you through the plans and help you buy a policy.

Policy Documents

  1. 1. Prospectus1. Prospectus - not available for download yet
  2. 2. Proposal Form2. Proposal Form - not available for download yet
  3. 3. Policy Wordings3. Policy Wordings - not available for download yet
  4. 4. Customer Information Sheet4. Customer Information Sheet - not available for download yet
  5. 5. Frequently Asked Questions5. Frequently Asked Questions - not available for download yet