Miscellaneous Class D Vehicle
Insurance
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Miscellaneous Class D Vehicles are commercial vehicles used for specific purposes like cranes, harvesters, tractors, and more. They can be insured for third-party liabilities, covering damages to property or persons in accidents. This insurance covers all your needs for these commercial vehicles.
Highlights of Misc Class-D Insurance Plans
Types of Misc Class-D Vehicle Insurance Plans
There are two types of commercial vehicle insurance plans.
This insurance is mandatory by law for commercial vehicle owners. It covers damages to third parties, including people and property.
This plan provides extensive protection for commercial vehicles, including coverage for accidents, theft, fire, natural disasters, and third-party damages.
Most Popular Misc Class-D Vehicle Insurance Plans
Insurance Endorsements plan |
Policy Duration |
Entry Age (Minimum) |
Entry Age (Maximum) |
Add on Coverage benefit |
Age of Maturity |
|---|---|---|---|---|---|
Aviva i-life total |
4 plans:
Protect - 10 - 57 yrs
Protect Plus - 10 - 57 yrs
Protect Assured - 15 - 30 yrs
Protect Income - 10 - 57 yrs
|
18 years
|
65 years
|
Riders on critical illness, complete disability, terminal illness
|
70 yrs with rider. 75 yrs, without rider
|
Aegon life i -term insurance policy |
5 - 40 yrs
|
18 years
|
65 years
|
Add-on, accident benefit death,premium waiver
|
70 yrs
|
Bajaj Allianz iSecure term assurance plan |
Varies from 10 - 30 years
|
18 years
|
65 years
|
Premium waiver, disability waiver, accident death benefit
|
28 yrs min to 70 yrs max
|
Canara HSBC iSelect + Term plan |
Varies depending on plan from 5-62 yrs
|
18 years
|
65 years
|
N/A
|
80 yrs, 75 yrs
|
Edelweiss Tokio Life Total Secure+ |
Varies as per plan from 10- 62 yrs
|
18 years
|
65 years
|
Premium waiver, disability waiver, accident death benefit
|
80 yrs, 75 yrs
|
Future Generali Flexi Online term plan |
2 plans:
basic 10-75 yrs and
income protection 10-65 yr
|
Basic - 18 yrs Income protection - 25 yrs
|
Basic - 55 yrs Protection - 55 yrs
|
Accident death benefit rider
|
75 - 65 yrs
|
HDFC Life Click to protect Plus plan |
10-40 yrs
|
18 years
|
65 years
|
Accidental and critical illness cover
|
75 yrs
|
ICICI Prudential ICare II Term plan |
Varies between 5-67 yrs
|
18 years
|
65 years
|
available
|
65, 80 and 85 yrs
|
Best Insurance Misc Class-D Vehicle Insurance Plans Providers
Best Insurance Misc Class-D Vehicle Insurance Plans Providers
Sahi Advice,
Sahi Insurance
If you have any questions on how to choose the best insurance plan, you can connect with our IRDAI certified insurance advisors.
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Miss Class-D Vehicle Insurance Everything You Need to Know
Key Benefits and Features of a Misc Class-D Vehicle Policy in India
Protection against damage from natural disasters
Coverage for accidents involving the vehicle
Protection for vehicle loss due to strikes or riots
Coverage for damage or loss from a terrorist attack
Protection against malicious acts by third parties
Some of the top features of the insurance plan are listed as follows:
Coverage for additional expenses like repairs, maintenance, and damages caused by the insured commercial vehicle
Comprehensive coverage for both public and private commercial vehicles, including special types of goods-carrying vehicles
Personal accident cover for the owner and driver
Protection for liabilities arising from accidents or injuries
Damage coverage for third-party persons, property, and vehicles
Can be used to name an additional insured member in the existing policy
Used for adding financial protection or coverage in the current insurance policy
Accounts receivable endorsements help businesses cover financial difficulties
The endorsement can be used to remove or exclude coverage from the existing policy for something not required anymore, thereby helping you save money
Misc Class-D Insurance - Inclusions and Exclusion
Misc Class-D Vehicle Insurance Plan - Inclusions
Third-party liability for damage or loss to person or property caused by the insured commercial vehicle
Towing services for disabled vehicles
Loss or damage coverage to the insured vehicle
Personal accident cover for the owner-driver of the commercial vehicle
Coverage for accidental overturning of a commercial vehicle on the road
Misc Class-D Vehicle Insurance plan - Exclusions
Loss or damage due to nuclear weapon attack
Loss or damage caused by an uninsured driver
Electrical or mechanical breakdown of vehicle
Driving a vehicle without a valid commercial license
Unintended loss or liability outside the covered geographical area
Loss or damage due to civil war, mutiny, or invasion
Depreciation due to wear and tear
Liability due to driving under the influence of alcohol
Misc Class-D Vehicle Insurance Claim Procedures
Documents for Claiming Misc Class-D Vehicle Insurance
Ask Anything as We Have Answers to Everything in Insurance
Miscellaneous Class D vehicles are commercial vehicles used for tasks like transporting heavy goods, equipment like cranes and excavators, and other similar purposes.
Miscellaneous Insurance is a contract where an insurer promises coverage for risks such as illness, theft, accidents, and crop damage.
The third-party refers to the person who has suffered damage or losses by the insured vehicle.
