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Kshema Goods Carrying Vehicle Liability Only Policy

A Kshema product

Essential Third-Party Insurance for Your Commercial Vehicles

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Transporting goods across cities, states, or even rural roads comes with its own set of challenges and risks. Whether fleet owner or a single goods carrying vehicle operator, securing your vehicle from damages with third-party insurance is not just a legal mandate—it’s a financial safeguard.

Kshema Goods Carrying Vehicle Liability Policy offers third-party coverage for trucks, tempos, and other commercial goods carriers, ensuring that you stay protected from unexpected liabilities on the road.

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Policy documents
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Why Choose Kshema Goods Carrying Vehicle Liability Policy? 

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

Customisable Add-ons

Tailormade add-on covers for enhanced protection.

Affordable Plan

Extensive protection at affordable premiums for commercial vehicle owners

(Note: This policy does not cover own vehicle damage. To get own-damage cover, consider our comprehensive motor insurance plans.) 

Opt for this Policy if you are... 

  • Truck & Lorry Owners – Ensure legal compliance and protection against third party liabilities.
  • Small Business Transporters – Protect your business from unexpected third-party claims.
  • Fleet Operators – Secure multiple vehicles with easy policy management. 
  • Logistics & Supply Chain Companies – Ensure the essential third party coverage for smooth operations.

Motor Insurance Terms You Should Know 

1Third-Party Insurance

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

2 Own-Damage Insurance

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

3 Insured Declared Value (IDV)

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

4 No Claim Bonus (NCB)

A discount on premium for claim-free years.

5 Premium

The amount you pay for the insurance policy. 

6 Deductible

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

Why is Third-Party Insurance Mandatory? 

As per the Motor Vehicles Act, 1988, it is mandatory for all commercial vehicles to have a third-party insurance policy to cover liabilities arising from accidents. Non-compliance can lead to heavy fines and legal complications. 

With Kshema General Insurance, you get a trusted partner that ensures you remain compliant while staying protected against third-party claims. 

Drive with confidence, insured by Kshema General Insurance

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Secure Your Vehicle Today!
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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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5. Frequently Asked Questions
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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?

For motor liability section of the policy, there will be no “Sum-Insured”.

For personal accident cover for owner-driver, there will be “Sum-Insured” of 15 Lakhs.

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 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 private cars, two-wheelers, goods-carrying, passenger-carrying, and miscellaneous vehicles
  • Premiums calculated based on your vehicle type and usage.
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