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Protecting your business on wheels
Financial Express Pune
|February 16, 2026
INSURING CVS: WHAT OPERATORS MUST KNOW
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WHILE MOTOR insurance is often associated with private cars, protection is more critical for commercial vehicles (CVs).
Every year, India produces 3 million CVs, including tractors and three-wheelers. Yet, this critical segment suffers from a problem of underinsurance.
Motor insurance is a legal mandate, but in CVs, there are bare-minimum third-party covers, low insured declared values, or no add-ons. For a segment operating on thin margins and high utilisation, the gap between risk and protection translates to extreme vulnerability.
High-risk segment
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