Two Wheeler (Bike / Scooter) Insurance
Vehicles with two wheels like bike and scooter. This mainly for personal travel.
Insurance types:
✔ Third Party Insurance – legally mandatory.
✔ Comprehensive Insurance – covers own vehicle damage + third party.
Optional add-ons:
✔ Zero Depreciation.
✔ Personal Accident Cover.
✔ Premium is usually low and claims are easy.
👉 If the same bike is used for delivery or business, it becomes a Commercial Two Wheeler.
Private Car
A car used only for personal or family purposes.Used for office, family trips, and personal travel.
Insurance types:
✔ Third Party (mandatory)
✔ Comprehensive (recommended)
✔ Covers owner and family members
✔ Commercial use is not allowed.
👉 If used as Taxi / Ola / Uber, it is not a Private Car.
Commercial Vehicle
Vehicles used for earning money or business purposes.Used for goods transport, delivery, rental, or services.
Examples:
✔ Goods Auto
✔ Mini Truck (Tata Ace, Dost)
✔ Delivery Van
Optional add-ons:
✔ Insurance premium is higher
✔ Driver and cleaner cover required.
✔ Permit and fitness certificate are compulsory.
👉 Using private insurance for commercial purpose may lead to claim rejection.
Passenger Vehicle
Vehicles used to carry passengers and for transporting people.
Examples:
✔ Auto Rickshaw
✔ Taxi / Cab
✔ School Van / Bus
✔ Tempo Traveller.
Optional add-ons:
✔ Passenger capacity is important.
✔ Passenger liability cover is included.
✔ Higher premium compared to private vehicles.
✔ Permit and route approval are mandatory.
👉 Vehicle usage and insurance type must match. If a private vehicle is used for commercial purpose.The insurance claim may be rejected.
