Changing Trends in Commercial Vehicles Insurance in India

Changing Trends in Commercial Vehicles Insurance in India
Case Code: INS005
Case Length: 03 Pages
Period: 2003
Pub Date: 2003
Teaching Note: Available
Price: Rs.100
Organization: Varied
Industry: Insurance
Countries: India
Themes: -
Changing Trends in Commercial Vehicles Insurance in India
Abstract Case Intro


As the claims-ratio in the motor vehicle insurance category has been consistently high in the past, general insurers are not willing to provide insurance for commercial vehicles. The case focuses on various aspects of insurance coverage for commercial vehicles. It discusses issues regarding the insurability of old commercial vehicles and the steps taken by insurers to discourage comprehensive insurance of such vehicles. The case also examines the impact of insurers' unwillingness to provide comprehensive insurance cover to commercial vehicles.

In addition, the case discusses the necessity of developing fleet safety programs (by transporters).


  • Understand different aspects of insurance cover for old commercial vehicles and the changing trends regarding the provision of insurance cover for such vehicles in India
  • Discuss the pros and cons of providing insurance cover to commercial vehicles


Claims-ratio, Motor Vehicle, Insurance Category, General Insurers, Insurance, Commercial Vehicles, Insurance Coverage, Insurability, Old Commercial Vehicles, Comprehensive Insurance, Unwillingness, Fleet Safety Programs, Transporters

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