Kshema Miscellaneous Vehicle Liability Only Policy

A Kshema product

Essential Third-Party Insurance for Your Commercial Vehicles

Every commercial vehicle plays a crucial role in keeping businesses and services running smoothly. Whether you operate a construction vehicle, or any other specialised transport, securing third-party insurance is not just a legal requirement—it’s a smart financial decision.

Kshema Miscellaneous Vehicle Liability Policy provides robust third-party coverage for various commercial vehicles, ensuring legal compliance and financial security in case of unexpected liabilities.

Why Choose Kshema Miscellaneous Vehicle Liability Policy?

(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

Secure Your Vehicle Today!

Policy Documents

1. Prospectus

2. Proposal Form

3. Policy Wordings

4. Customer Information Sheet

5. Frequently Asked Questions

Frequently Asked Questions

1. How can I apply for the insurance?

You can apply through Kshema website/Kshema app from your registered mobile number.

2. How do I download Kshema app?

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.

3. What are the documents required to apply for this policy?

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.

4. What are the various types of insurance policies?

There are two type of insurance policies – comprehensive and liability only policy.

5. What all are the Coverages?

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.

6. Is an insurance policy mandatory?

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.

7. What are the benefits of buying insurance online?

No paperwork and physical documentation are required, and you will get instant policy.

8. What is the procedure to transfer my insurance?

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 there is a Sum-Insured of 15,00,000.

10. Can I cancel my policy?

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.

11. How can I claim insurance?

You should immediately intimate the loss through the Kshema app or by email to customer.support@kshema.co.

12. Which document or proofs insured has to submit for claim?

• 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

13. When do I pay the premium?

You must pay premium in advance. The insurance cover begins only after We receive Your premium.

14. For how long does the Kshema Miscellaneous Vehicle liability policy cover?

The Policy period for this policy is one-year.

15. How can I obtain this Policy?

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.

Looking for personalised recommendations to choose the best insurance solution that fits your needs?

Request a
callback now!

Thank you

, We have received your request. Our insurance expert will be in touch with you within 24 hours.

We have sent the Kshema app download link to your mobile via SMS and WhatsApp +91-

Kshema Miscellaneous Vehicle Liability Only Policy

A Kshema product