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What is Tractor Insurance?
Tractor insurance is basically Protecting your Farm’s Backbone. Essential for farmers, tractor insurance is a type of commercial vehicle insurance designed to safeguard your farm tractor from unforeseen losses or damages.
Why Should I Buy Commercial Tractor Insurance?
Tractor Insurance is a Insurance that Reaps Rewards
Here’s why:
Financial Protection
- Covers Unexpected Costs: Accidents, theft, or natural disasters can cause significant financial losses. Insurance helps cover repair or replacement costs.
- Third-party Liability: If your tractor causes damage to someone else’s property or injuries, insurance protects you from hefty legal and financial burdens.
Peace of Mind
- Focus on Farming: With insurance, you can concentrate on your agricultural operations without worrying about potential financial setbacks.
Compliance: In many regions, tractor insurance is mandatory by law.
Why Choose Commercial Tractor Insurance by Policy Digit!
Why choose commercial tractor insurance by policy digit?
- Fast and Easy: Get insured in minutes with a simple process.
- Your Tractor, Your Rules: Customize your policy to fit your needs.
- Quick Cash: Speedy claim settlements to keep you moving.
- Round-the-Clock Help: Assistance anytime, anywhere.
- Wide Repair Network: Choose from thousands of garages nationwide
What's Covered in Tractor Insurance?
What's Not Covered in Tractor Insurance?
Key Features of Tractor Insurance by Policy Digit
Customizable Plans
Tailored to meet specific agricultural or commercial needs.
24/7 Customer Support
Efficient claims processing to minimize downtime.
Additional Coverage Options
Options for roadside assistance, equipment breakdown, and more.
Competitive Premiums
Affordable pricing with flexible payment options.
Damage Cover
We provide cover if your tractor is damaged partially or completely due to any natural calamities (such as; fire, explosion, self-ignition/lightning, earthquake, flood, etc.) or man-made calamities (such as; burglary, theft, riot, strike,terrorist activity, damage in transit by road, rail.
No Claim Bonus
Based on your previous claim history, you are eligible for an attractive No Claim Bonus (NCB). If you do not make any claims in the preceding year or years, you are entitled to an NCB on the Own Damage (OD) section of the policy
Types of Tractor Insurance Plans
- Liability Insurance: Covers damages to others caused by your tractor.
- Physical Damage Insurance: Covers damage to your own tractor.
- Crop Insurance: Covers damage to crops caused by tractor operations.
- Equipment Insurance: Covers damage to attached equipment or implements.
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.
Why is it Important to Buy/Renew Tractor Insurance?
Buying or renewing tractor insurance ensures compliance with legal requirements and protects your business from financial hardship in accidents or incidents involving your tractors and related operations.
Do I Have to Buy Tractor Insurance for My Business?
You must have at least third-party liability insurance for your tractor. It’s a legal requirement in most places. Comprehensive coverage, while optional, offers broader protection for your tractor.
How to Choose the Best Tractor Insurance for My Business?
Consider factors such as coverage options, premium costs, deductibles, customer service reputation, and additional benefits like roadside assistance or specialized coverage for farm equipment. Compare policies from reputable insurers like Policy Digit to find the best fit for your business needs.
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
FREQUENTLY ASKED QUESTIOINS
Factors such as tractor usage (agricultural vs. commercial), tractor value, location, and driver experience can impact insurance premiums.
Yes, many policies allow adding multiple tractors under a fleet policy, which may offer cost savings and streamlined management.
Yes, discounts may be available for safe driving records, multiple policy bundles, farm safety programs, and more.
Contact the police immediately to report the theft, then notify your insurer to initiate the claims process with necessary documentation.
You can renew your policy online, through your insurance agent, or by visiting the insurance company’s office.
