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Kshema Passenger Carrying Vehicle Liability Only Policy

A Kshema product
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The Kshema Passenger Carrying Vehicle Liability Only Policy provides mandatory coverage for legal liabilities arising from accidents involving your insured vehicle — including injury or death to third parties, damage to third-party property, and personal accident cover for the owner-driver.
  • Fulfills mandatory legal requirement under the Motor Vehicles Act , 1988
  • Covers injury, death, or property damage to third parties
  • Includes personal accident coverage for the owner-driver
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Policy documents

Why Choose Kshema Passenger Carrying Vehicle Liability Only Policy?

Legal Compliance Made Easy

Meets all statutory liability requirements for commercial passenger vehicles.

Covers More Than Just Drivers

Protects you, any permitted driver, and even your legal heirs in case of a covered claim.

Personal Accident Cover Included

Owner-driver gets compensation up to the insured amount in case of accidental death or disability.

We’re with You in Court

Legal defense and representation included (subject to written consent by the insurer).

Protect your assets from

Accidental Death
Accidental Death of the Owner-Operator
Illustration showing damage to third party property related to insurance coverage
Damage to third-party property
Illustration showing legal costs and expenses related to insurance coverage
Legal Costs and Expenses Incurred
Death-of-a-third-party
Death of a third-party
Third-party injury or death
Third-party injury or death
Loss-of-limbs-or-eyesight
Loss of limbs or eyesight
Permanent-total-disability
Permanent Total Disability

Policy Documents

1. Prospectus
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2. Proposal Form
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3. Policy Wordings
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4. Customer Information Sheet
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Frequently Asked Questions

1. How can I apply for the insurance?
You can apply through Kshema website/Kshema app from your registered mobile number.
If you are using an Android mobile phone, go to the Play Store, type “Kshema app”, select and download to install. Register on the app.
The required documents are RC copy, KYC details (Pan-card/Aadhar), Nominee details in case of CPA. Chassis Imprint on days newspaper/Geotag images in case of Break-in policy.
There are two type of insurance policies – comprehensive and liability only policy.

I. Liability to third parties: Death of or bodily injury to any person so far as it is necessary to meet the requirements of Motor Vehicles Act.
II. Liability to third parties: Damage to any property other than property belonging to the Insured or held in trust or in the custody or control of the Insured up to the limit specified in the Schedule.
III. Personal Accident Cover for Owner-Driver.

Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured, with a Liability Only policy at the very least.
No paperwork and physical documentation are required, and you will get instant policy.
You need to approach us with supporting documents for transfer of insurance. Supporting documents would include sale deed/form 29/30/NOC of seller.
9. What is the Sum insured?
As it is a motor liability only policy, there will be no “Sum-Insured”. For CPA cover there is a sum-insured of 15,00,000.
Under no circumstances will the Company cancel statutory Motor Third Party Liability insurance, or any other compulsory insurance mandated by law except in case of double insurance or total loss.
You should immediately intimate the loss through the Kshema app or by email to customer.support@kshema.co.

• Death Certificate in respect of the insured
• Proof of title to the vehicle
• Original Policy
• Motor Claim Form
• Copy of Registration Certificate
• Copy of Driving License/Permit/Fitness/Taxes (as appliable)
• All Police papers in case of TP Injury/Death Case
• Date and Time of Accident

You must pay premium in advance. The insurance cover begins only after We receive Your premium.
The Policy period for this policy is for one year.
You can contact Kshema agent or our customer support or our company’s website for information on this product including whether it is available online, call our call centre or contact our office.
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  • Coverage for personal accidents and hospital cash benefits.
  • Premiums calculated based on individual preferences and optional covers.
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