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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. ProspectusView 1. Prospectus
  2. 2. Proposal FormView 2. Proposal Form
  3. 3. Policy WordingsView 3. Policy Wordings
  4. 4. Customer Information SheetView 4. Customer Information Sheet
  5. 5. Frequently Asked QuestionsView 5. Frequently Asked Questions