JCB 2DX Backhoe Loader Insurance

JCB 2DX Backhoe Loader Insurance Overview

A leading manufacturer of construction and earthmoving equipment, JCB India introduced the Backhoe loader range a few decades back. Since then, it has been expanding its range and has produced 60 products in this category. A JCB 2DX backhoe loader is well-known for its specifications, improved productivity, efficiency and durability. Moreover, its compact size is ideal for reaching inaccessible areas.

A JCB 2DX backhoe loader insurance policy can help you in protecting your vehicle from any unexpected damages that it may sustain due to events like accidents, calamities, fires, etc. You can also get protection against any third-party liability arising out of the insured loader.

Popular JCB 2DX Backhoe Loader Models With Insurance Price

Disclaimer*: The JCB 2DX backhoe loader insurance price for multiple variants depends on factors like cubic capacity, NCB, IDV, add-on covers, etc.

Reasons to Buy JCB 2DX Backhoe Loader Insurance Policy

If you are still confused about purchasing a commercial vehicle insurance policy for your JCB 2DX backhoe loader, here is why you should purchase one:

• Legal Requirement: Purchasing a JCB 2DX backhoe loader insurance policy is a legal requirement as per the motor laws of India. If you want to legally drive in India, you must have a commercial vehicle insurance policy for your vehicle.
• Accidental Cover: By buying JCB 2DX backhoe loader insurance policy, you will also get a Personal Accident Cover for the owner/driver of the commercial vehicle.
• Protection From Uncertainties: With the help of a commercial vehicle insurance policy for your backhoe loader, you can also protect your vehicle from uncertain situations like collisions, earthquakes, manmade acts, etc.
• Additional Covers: By purchasing a JCB 2DX backhoe loader insurance policy, you can also take advantage of additional covers under your existing commercial vehicle insurance policy.

Types of JCB 2DX Backhoe Loader Insurance Policy

There are two types of JCB 2DX backhoe loader insurance policies offered by insurers. These include:

Third-Party JCB 2DX Backhoe Loader Insurance Policy

A third-party JCB 2DX loader insurance policy covers you from any accidental damage sustained by the third-party property, third-party death, and bodily injury due to the insured vehicle. This commercial vehicle insurance policy is mandatory as per Indian motor laws but does not cover damage sustained by the insured loader.

Comprehensive JCB 2DX Backhoe Loader Insurance Policy

A comprehensive JCB 2DX loader insurance policy covers the insured vehicle from any own damage arising out of unanticipated events like a collision, in-transit damages, manmade acts, theft, etc. This commercial vehicle policy also covers any third-party liability arising out of the insured loader. It is not a mandatory policy but recommended by experts as it offers a wider coverage to your vehicle.

Inclusions of JCB 2DX Backhoe Loader Insurance Policy

A JCB 2DX backhoe loader insurance policy covers the following damages:

• Damages arising out of any external means such as a collision or road accident
• Damages to the insured loader due to manmade acts like riots, strikes, terrorist activities, etc.
• Any loss sustained by the insured vehicle due to fire, explosion, or ignition
• Damages to the insured loader due to natural calamities like cyclones, floods, hurricanes, etc.
• Losses arising out of theft, burglary, or housebreaking
• Damages are sustained by the insured vehicle while it's in transit via train, land, air, or water.

Additional Covers Under JCB 2DX Backhoe Loader Insurance

A JCB 2DX backhoe loader insurance policy can also be enhanced by purchasing additional covers at an extra premium amount. These additional covers are:

• Nil Depreciation Cover
• IMT 23 Cover
• PA Cover for Owner/Driver/Paid Driver
• Engine Protect Cover
• Legal Liability to Paid Driver

Exclusions of JCB 2DX Backhoe Loader Insurance Policy

Damages or losses that are not covered under a JCB 2DX backhoe loader insurance policy include:

• Any damage sustained by the insured backhoe loader due to mechanical or electrical failure
• Damages to the insured vehicle when the driver was under the influence of drugs or alcohol
• Any loss sustained by the insured loader outside the specified geographical area
• Damages caused to the insured vehicle when the driver was not found with a valid license
• Any damage arising out of the private use of a commercial motor vehicle
• Any loss or damage arising out of contractual liability of the owner of the insured vehicle

How to Buy JCB 2DX Backhoe Loader Insurance Online?

Follow these below-mentioned steps to purchase a JCB 2DX backhoe loader insurance policy from Policybaaar.com:

• Visit the ‘Commercial Vehicle Insurance’ page from the ‘Insurance Products’ menu on the homepage
• In the given form on top of the page, enter your name and mobile number and proceed further
• Now select the type of vehicle you have, for instance ‘Backhoe Loader’
• From the given table select your vehicle’s manufacturer i.e. ‘JCB India’
• Now select the vehicle’s model, RTO, registration year, and variant and proceed with viewing plans
• From the given JCB 2DX loader insurance plans, choose your desired plan
• You can also select any of the available additional covers with your chosen plan
• Now fill in the given forms with the requested details of your vehicle
• Proceed with ‘Payment and Summary’
• Pay the premium amount via desired online payment mode
• Once the premium has been paid, your JCB 2DX backhoe loader insurance policy documents will be sent to you via mail.

How to Renew JCB 2DX Backhoe Loader Insurance?

Here is how you can renew your JCB 2DX backhoe loader insurance policy online:

• Visit the official website of Policybazaar Insurance Brokers Private Limited and navigate to the ‘Insurance Products’ dropdown
• From the dropdown, visit the ‘Commercial Vehicle Insurance’ page
• Now fill in your name and mobile number in the given form
• Enter vehicle type, manufacturer, model, RTO, and registration year
• Choose the desired JCB 2DX backhoe loader insurance renewal plan from the mentioned plans
• Choose the desired additional covers as well
• Now proceed with premium payment via bank card, net banking, or UPI mode
• Once the premium has been paid, your JCB 2DX backhoe loader insurance renewal will be complete. You will receive your renewal policy papers in your email id.

Claim Procedure Under JCB 2DX Backhoe Loader Insurance

Follow these steps to raise a JCB 2DX backhoe loader insurance claim:

• Register a JCB 2DX backhoe loader insurance claim by intimating the insurance company about the damages
• The insurance company after registering a claim will send a surveyor to estimate the cost of damages sustained by the insured loader
• Once the estimates have been made, the insured vehicle will be sent to a network garage for repairs.
• You may also be required to show some documents to get the claim processed.
• After the repairs are done, the insurance company will settle the claim with the network garage under cashless claim settlement
• If you get the insured vehicle repaired outside the network garage, then the insurance company will reimburse you the claim amount after the repairs.

Documents Required to Raise A Claim Under JCB 2DX Backhoe Loader Insurance

The documents that you may require to raise a claim under JCB 2DX backhoe loader insurance are:

• Copy of driving license
• Vehicle insurance papers
• Duly filled and signed claim form
• Repair bills and estimates of repair
• Vehicle’s Registration Certificate
• Vehicle’s Fitness Certificate
• Copy of Police FIR