Check and Buy Right JCB Insurance Policy Online
Compare and Save upto 80% on
Commercial Vehicle Insurance
Contact Us
+91-95993 25774
support@policydigit.com
Get Free Quotation
What is JCB or Backhoe Loader
Jcb or backhoe loader is a versatile heavy equipment for construction jcb backhoe loaders often referred to as heavy equipment machines commonly used in construction. It combines the functionality of both a loader and an excavator in one machine.
These machines are vital in construction projects, road maintenance, landscaping, and utility installations due to their versatility and robust performance capabilities. Backhoe loaders are crucial assets for businesses requiring efficient equipment capable of handling diverse tasks in demanding environments.
What is JCB Insurance?
- Jcb insurance is a policy where it offers third party liabilty cover in the situation of loss or damage to a third party person or property.
- It protects these high value vehicles from various risks, ensuring financial security against unforeseen events .
Why Should I Buy JCB Insurance?
Since heavy machines like jcb works in conditions where its risk is higher and is more prone to damage, it can lead to a massive loss of investment. So eventually it will protect you from unexpected losses incurred due to any unforeseen circumstances.
Why Choose JCB Insurance by Policy Digit?
Opt for JCB Insurance by Policy Digit for:
- Comprehensive Coverage: Extensive protection against a wide range of risks.
- Customizable Plans: Tailored solutions to meet specific needs.
- Efficient Claims Process: Quick settlements for minimal disruption.
- Competitive Premiums: Affordable options
What's Covered in JCB Insurance?
What's Not Covered in JCB Insurance?
Key Features of JCB Insurance by Policy Digit
Claims Assistance
Efficient handling of claims to minimize downtime and keep your JCB operations running smoothly.
Additional Coverage Options
Options such as roadside assistance, rental reimbursement, and more to enhance your JCB insurance policy.Competitive Premiums: Affordable pricing with flexible payment options, making it easier to manage your insurance costs.
Damage Cover
Comprehensive protection against natural calamities (fire, explosion, lightning, earthquake, flood, etc.) and man-made incidents (burglary, theft, riot, strike, terrorist activity, damage in transit by road, rail).
No Claim Bonus
Earn attractive discounts on your premium based on your claim history. If you haven’t made any claims in previous years, you can benefit from a No Claim Bonus (NCB) on the Own Damage (OD) section of your JCB insurance policy.
Comprehensive Insurance:
Comprehensive JCB insurance offers extensive coverage for both own damages and third-party liabilities. It typically includes Own damages and third party liabilities.Comprehensive insurance is recommended for businesses that want comprehensive protection for their JCB machinery, ensuring financial security against a wide range of risks.
Third-Party Insurance
Third-party JCB insurance is designed to cover liabilities mandated by law. It typically includes Third-Party Liabilities. Third-party insurance provides basic coverage essential for operating your JCB legally. However, it does not cover damages to your own JCB in case of accidents or other insured events.
How to Claim
Unexpected events happen on the road, and when they involve your commercial vehicle, downtime can be a major financial setback. PolicyDigit understands the critical role your vehicle plays in your business. That’s why we offer a streamlined claims process to get you back on the road quickly and minimize disruption.
What We Cover:
- Accidents: Collisions with other vehicles or objects, rollovers, and hit-and-run incidents.
- Theft: Partial or complete theft of your vehicle.
- Vandalism: Damage caused by vandalism or malicious acts.
- Fire & Explosion: Damage caused by fire, lightning, or explosion.
- Natural Disasters: Damage caused by floods, hail, storms, or other natural disasters (refer to your policy wording for specifics).
Fast and Hassle-Free Claims Process:
- Report the Incident: Always contact the police immediately to file a report in case of an accident or theft. This report is crucial for your claim.
- File Your Claim: We offer two convenient ways to file your claim:
- Online: Submit your claim details and photos of the damage through our secure online portal (link to online claim form). This is the fastest and easiest way to initiate your claim.
- Offline: Download the claim form (link to claim form) and submit it along with the required documents (listed below) to your nearest PolicyDigit partner branch office.
Required Documents:
- Completed and Signed Claim Form: Ensure all details are accurate and the form is signed by an authorized representative of your company.
- Registration Certificate (RC) photocopy: A clear copy of your vehicle’s Registration Certificate is mandatory.
- Driver’s License photocopy: Provide a photocopy of the valid driving license of the driver involved in the incident.
- Valid Fitness Certificate photocopy: A copy of your vehicle’s most recent fitness certificate is required.
- Police Report (FIR): In case of accidents involving third-party injury/death or property damage, a copy of the FIR is essential.
- Dedicated Claims Representative: Once you file your claim, a dedicated claims representative from PolicyDigit will contact you to discuss your claim details and guide you through the next steps. This includes arranging for repairs (if applicable) and ensuring a smooth claims settlement process.
For any other inquiries, kindly call us at +91-95993 25774 or mail us at Support@policydigit.com.
Taxation through Policy Digit
Dear Customer,
We are pleased to inform you that our website, www.policydigit.com, now offers Vehicle tax payment services. You can conveniently manage and pay your taxes through our platform, ensuring a seamless and efficient experience.
Click Below to Submit the Taxation form
Why is it Important to Buy/Renew JCB Insurance?
- It is mandatory by law to have at least a liability only policy to protect a third party against any damage.
- Renewing your insurance policy before it expires ensures that you have continuous protection without any gaps in coverage.
Do I Have to Buy JCB Insurance for My Business?
Yes, JCB Insurance is typically mandatory for businesses using JCB machines to operate legally and protect assets.
How to Choose the Best JCB Insurance for My Business?
Consider:
- Coverage Adequacy: Tailor insurance to your specific needs.
- Premium Affordability: Find competitive rates.
- Insurer Reputation: Trustworthy service and customer support.
What documents are required to purchase JCB Insurance?
Typically, the documents required to purchase JCB Insurance include:
- Registration certificate (RC) of the JCB machine.
- KYC documents of the insured (such as Aadhar card, PAN card, etc.).
- Address proof (such as utility bills, driving license, etc.).
- Invoice or purchase receipt of the JCB machine.
- Any other specific documents as requested by the insurance provider.
Can I transfer existing JCB Insurance to a new owner?
Yes, JCB Insurance can be transferred to a new owner. The process generally involves:
- Informing the insurance company about the change in ownership.
- Providing necessary documents such as the RC transfer papers and sale agreement.
- Paying any applicable transfer fees or charges.
- The insurance company will then update the policy details accordingly to reflect the new owner’s information.
How can I reduce my JCB Insurance premium?
There are several ways to potentially reduce your JCB Insurance premium:
- No Claim Bonus (NCB): If you have not made any claims in the previous policy year, you may be eligible for a discount on your premium during renewal.
- Opt for Higher Deductibles: Choosing a higher deductible (the amount you pay out of pocket before the insurance kicks in) can lower your premium.
- Install Security Devices: Installing anti-theft devices or GPS trackers can reduce the risk of theft, thereby lowering your premium.
- Compare Quotes: Shop around and compare quotes from different insurance providers to find the most competitive premium rates.
- Bundle Policies: Some insurers offer discounts if you bundle your JCB Insurance with other policies like fleet insurance or general liability insurance.
FREQUENTLY ASKED QUESTIOINS
JCB insurance typically includes third-party liability insurance, own damage insurance, and comprehensive insurance.
Factors such as the age of your JCB machine, its model, your operating history, and your location can influence the premium.
In case of an accident or loss, you should immediately inform your insurance company and provide the necessary details.
Typically, you will need to provide your policy documents, police report (if applicable), vehicle registration certificate, and repair estimates.
The claim settlement time can vary depending on the complexity of the claim and the insurance company’s processes. However, most insurers strive to settle claims promptly.
