JSA Insurance

Popular JSA Models with Insurance Price

Disclaimer: The JSA Insurance Price for various Commercial Vehicle models may vary as per the capacity of the engine, RTO, IDV, type of fuel, year of registration, etc.

Reasons to Buy JSA Insurance Policy

Here are the reasons to buy a JSA insurance policy:

• As per the Motor Vehicle Act, 1988, it is mandatory to purchase a vehicle insurance policy before plying it on the roads of India.
• To get insurance coverage against losses and damages incurred to third-party property or person because of a collision or accident by the insured commercial vehicle.
• To get insurance coverage for insured JSA commercial vehicle in case of any damages or losses incurred to it.
• Buying a JSA insurance policy online is quick and simple.
• The JSA insurance renewal process is easy and fast.
• The insurance policy as well provides personal insurance coverage for the owner, driver, and occupants in the insured commercial vehicle.

Types of JSA Insurance Policy

Third-Party Insurance: A third-party liability insurance is the most basic type of vehicle insurance plan that is mandated by the law. Under this type of vehicle insurance policy for JSA commercial vehicles, one gets insurance coverage against losses and damages incurred to a third-party person or property in case of an accident or collision.

Comprehensive Insurance: Although a comprehensive vehicle insurance policy is not mandated by law, insurance experts suggest buying this type of vehicle insurance policy as it offers vast coverage. In a comprehensive vehicle insurance policy, one gets insurance coverage for his/her commercial vehicle and third-party both.

Inclusions of JSA Insurance Policy

The inclusions of the JSA insurance policy are as follows:

• The JSA insurance policy offers coverage to the insured commercial vehicle in case of loss or damage incurred to it due to any of the below-mentioned reasons:
  • Earthquake
  • Strike, riot
  • Malicious act
  • Theft
  • Terrorist activity
  • Landslide, rockslide
  • Fire explosion, self-ignition, or lightning
  • Housebreaking
  • Accident incurred due to any external means
  • Burglary
  • Hurricane, typhoon, storm, flood
  • Hailstorm, frost
• Third-party liability insurance for JSA commercial vehicles provides coverage against bodily injury or death to a third-party person or damage to third-party property by the insured commercial vehicle.
• Most commercial vehicle insurers offer personal accident cover for the driver, owner, and co-passengers traveling in the commercial vehicles.

Additional Covers in JSA Insurance Policy

To enhance coverage of vehicle insurance policies there are add-ons available. One can buy them by paying additional premiums. Some of the common additional covers or add-on benefits available for JSA insurance policy are as follows:

• Additional Cover to Protect Engine: This is one of the most useful add-ons available for a commercial vehicle insurance policy under which one gets insurance coverage for the vehicle's engine and its various parts.
• No-Claim Bonus Protection Add-On Cover: Under this cover, the 'No Claim Bonus' or NCB of the policyholder is protected as it gets removed when one makes even the smallest claim.
• Zero Depreciation Add-On Cover: Everything depreciates with time and so do the commercial vehicles. The depreciation plays a major role when one makes any claim against his/her commercial vehicle and hence he/she does not get the complete claim. To avoid this, there is zero depreciation add-on cover available.

With these three types of additional covers for commercial vehicles, there are some other add-ons as well available which one can add to his/her JSA insurance policy. These add-ons are – the return of invoice, roadside assistance, etc.

Exclusions of JSA Insurance Policy

The exclusions of the JSA insurance policy are as follows:

• Electrical and mechanical breakdowns are not included.
• Consequential damages or losses are not covered.
• Any kind of damages or losses incurred to the insured JSA commercial vehicle by the driver who is driving it under the influence of alcohol.
• Any kind of damages or losses incurred to the insured JSA commercial vehicle by the driver who is driving it without a valid driving license.
• Additionally, other exclusions as per the wordings of the commercial vehicle insurance policy.

How to Buy JSA Insurance Online

In this era, we can buy anything to everything online and so is the case with a JSA commercial vehicle insurance policy. One can buy a JSA insurance policy online by following the below steps:

• Go to the commercial vehicle insurance page and click purchase commercial vehicle insurance.
• Provide all the required details of the commercial vehicle like its make and model, all the information related to its RTO, its manufacturing details, and type of insurance like comprehensive/third-party insurance, details of the claim, etc.
• After providing all the asked details, one can select the quote from the list of insurance providers for JSA commercial vehicles.
• Now, one has to choose an insurance policy according to his/her requirements and then, he/she has to make the payment online.
• The insurance policy after this is e-mailed to the registered email id of the insured or one can perform a JSA insurance download as well.

How to Renew JSA Insurance Online

The steps for JSA insurance renewal online are as follows:

For renewing his/her JSA insurance policy one has to provide the policy renewal form with the below-mentioned information. After this insurance provider’s representative will get in touch with him/her:

• Policyholder’s name
• His/her mobile number
• His/her email-id
• His/her landline number
• JSA model
• City of registration city of the JSA commercial vehicle
• Whether the last JSA Insurance policy was expired or not
• Type of commercial vehicle insurance policy:
  • Buy a JSA insurance policy for a brand new JSA commercial vehicle
  • Renew an existing JSA Insurance policy
  • Renew an existing JSA Insurance policy from a different insurer
• Registration year

JSA Insurance Policy Claim Procedure

• The first step for filing a commercial vehicle claim is to inform the insurer at his/her toll-free number.
• In case of cashless claim settlement of JSA Insurance, a policyholder should fix an appointment with the surveyor of the insured. After completion of the successful survey, the JSA commercial vehicle is taken to any of the network workshops for repair.
• A policyholder has to provide all the needed documents to the insurance provider’s surveyor.
• The insurer can confirm the liability after that.
• In the case of cashless claim settlement, the insurer settles the claim with the network garage directly.
• However, in the case of the claim reimbursement, the policyholder has to settle the cost of the claim first by him/herself. The insurer settles the claim later when the policyholder submits all the needed original bills along with the claim form to the insurance provider for claim settlement.

Documents Required for JSA Insurance Claims

• Signed and filled claim form
• Driving license copy
• Copy of the registration certificate
• Estimate of the repair
• FIR’s copy
• Commercial vehicle’s permit
• Load challan

JSA Insurance Policy FAQs