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Premium Fleet Protection · India 2026

India's Leading Fleet Insurance Network

A curated ecosystem of transport operators protected by comprehensive fleet, cargo, and liability coverage. One relationship. One settlement protocol.

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0+ Partners
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✓ IRDAI Licensed
✓ 14-Day Settlement
✓ 0 Unserved Claims
✓ Pan-India Network
Indian truck fleet convoy on national highway at golden hour
⚡ 14 Days Claim Settlement vs 45+ industry avg
💰 Rs.50Cr+ Claims Settled FY 2025-26
🛡️ 1,400+ Vehicles Protected Across 6 partners
24/7 Claims Support Active — National Highway Network
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🛡IRDAI Licensed Broker
★CRISIL A+ Rated Partners
🚀14-Day Settlement
🌏Pan-India Coverage
📞24/7 Support
📈Rs.3,000 Cr+ Turnover
🛠850+ Garages
🏥4,500+ Hospitals
🛡IRDAI Licensed Broker
★CRISIL A+ Rated Partners
🚀14-Day Settlement
🌏Pan-India Coverage
📞24/7 Support
📈Rs.3,000 Cr+ Turnover
🛠850+ Garages
🏥4,500+ Hospitals
Settlement Speed

Claims Settlement Benchmark

In an industry where delays cost millions in downtime, we deliver 69% faster resolution than the market average.

Fastest
14
R.G. Insurance
Average Settlement Days
Industry
45+
Industry Average
Days to Settle
Competitor
18
Best Competitor
Market Benchmark
Protection Architecture

Insurance Solutions

Structured around the operational realities of running a commercial fleet in India. Available individually or as a unified bundle with multi-policy discounts up to 15%.

🚛

Motor Fleet & Commercial Vehicle

Own-damage and third-party cover for trucks, trailers, and LCVs. Includes zero-depreciation add-ons, EMI protection, roadside assistance, and coverage for natural calamities, theft, and accidental damage.

Mandatory Coverage
📦

Goods-in-Transit & Marine Cargo

Protection for cargo in motion across road, rail, and port. Adjustable per trip or per consignment with containerised and bulk solutions. Covers FMCG, pharma, electronics, machinery, and project cargo.

63% of Uninsured Losses
⚖

Third-Party & Public Liability

Cover against bodily injury and property damage claims during operations, including loading/unloading, warehouse premises, and accidental spillage. Includes legal defence costs up to policy limits.

Critical Gap Coverage
🔥

Fire & Property Insurance

Depot, warehouse, and yard protection covering fire, natural calamities, equipment damage, and business interruption at base locations. Includes stock-in-trade coverage and machinery breakdown add-ons.

Base Location Protection
🏥

Driver & Staff Health Cover

Personal accident and health protection for drivers and on-road staff. Group cover with cashless hospitalization across 4,500+ network hospitals. Includes accidental death, disability, and weekly compensation.

Workforce Protection
🎁

Bundle Benefits

When three or more coverage lines are purchased together, receive complimentary risk assessment surveys, priority claims handling, and dedicated account management at no additional cost.

Up to 15% Discount
0
%
Client Retention Rate
↑ 4% YoY
0
+
Vehicles Under Management
↑ 12% YoY
Rs.
0
Cr+
Claims Settled (FY 2025-26)
↑ 18% YoY
0
Unserved Claims
100% Resolution
Pan-India Presence

Our Coverage Network

From Kashmir to Kanyakumari, our protection follows your fleet across every highway, state border, and logistics corridor in India.

Delhi NCR Mumbai Chennai Bangalore Kolkata Hyderabad Ahmedabad Pune Jaipur Chandigarh Lucknow Kochi
HQ & Major Hubs
Network Cities
Garage Partners
🌏
28
States Covered
All 28 states + 8 UTs
🛠
850+
Authorised Garages
Cashless repair network
🏥
4,500+
Network Hospitals
Driver health coverage
📍
12
Major Hubs
With dedicated managers
Network

Associate Fleet Partners

Six curated transport and logistics operators forming the backbone of our fleet protection network. Combined turnover exceeding Rs.3,000 Crore.

PCC and Company

PCC and Company

Pan-India Road Transport
30+
Years
1,000+
Fleet
85+
Branches

One of India's most established road transport companies. Founded by Mr. Jaiprakash Arya, a 50-year industry veteran. ISO 9001:2015 | IBA Approved.

ManufacturingFMCGPharmaE-commerce
Singh Transport

Singh Transport

FTL & Door-to-Door
Delhi
HQ
FTL
Fleet
GPS
Tracked

North India-based operator specialising in FTL movement across UP, Delhi, and NCR. GPS-tracked fleet with 24/7 operational support.

AutomotiveManufacturingRetailE-commerce
Venus Road Lines

Venus Road Lines

Multi-Modal Freight
29+
Years
Own
Fleet
Rail
Licensed

Operates in Indian road and rail transport with cost-effective, multi-modal logistics. Own-fleet operations for full accountability.

ContainerisedBulk GoodsPort LogisticsIndustrial
ABC Express

ABC Express

Express Logistics Since 1958
1958
Est.
300+
Trucks
6,500+
Clients

Founded by S. Pritpal Singh with a single truck. 50+ branches, 40 crore km logged. Delhi-Mumbai corridor specialty.

ExpressIoT-IntegratedAI-DrivenBS-VI
JCCI Logistics

JCCI Logistics

ODC & Fragile Cargo
GST
2022
ODC
Specialist
Zero
Damage

Registered at Sanjay Gandhi Transport Nagar, India's largest road transport hub. Specialises in over-dimension consignments and fragile cargo.

ODCFragileTime-CriticalProject Cargo
Northstar Logistics

Northstar Logistics

Retail & Warehousing
80+
Experts
Multi
Modal
Pan
India

Multi-service logistics operator providing warehousing, packers & movers, cargo, and retail supply chain solutions.

RetailFMCGCorporateDealership
Financial Security

Underwriting Partners

Policies underwritten by India's most established insurers, regulated, well-capitalised carriers with combined assets exceeding Rs.50 trillion.

ICICI Lombard
A+
Market Leader
TATA AIA
A+
Tata Trust
HDFC Life
A+
Private Sector
SBI Life
A+
Fortune 500 JV
Bajaj Allianz
A
Global Expertise
SBI General
A
IBA Approved
Reliance General
A-
Retail Giant
Kotak General
A
Banking Power
Magma HDI
A-
A.M. Best Rated
LIC
AAA
Govt. Backed

Combined solvency ratios exceeding 1.85x, well above IRDAI's minimum requirement of 1.50x

Onboarding

How the Partnership Works

A streamlined, five-stage protocol designed to minimise administrative burden while maximising coverage efficacy. From first contact to full fleet protection in under 14 days.

01

Enrollment & Fleet Survey

Comprehensive review of fleet composition, route matrices, and cargo categories. Risk engineers conduct on-site inspections for fleets exceeding 50 vehicles. Digital fleet inventory created with VIN-level tracking.

02

Tailored Policy Design

Coverage customised to operational realities: route risk profiles, seasonal cargo variations, driver demographics, and geographic exposure zones. Multiple insurer quotes compared for optimal premium-to-coverage ratio.

03

Policy Issuance & Digital Docs

Policies issued by partner insurers within 72 hours. All documentation accessible via encrypted digital vault with mobile-friendly policy cards. Physical copies delivered to corporate office within 5 business days.

04

24/7 Claims & Roadside Support

Dedicated claims desk coordinates directly with underwriting insurers. Breakdown assistance dispatched via national network of 850+ authorised garages. Cashless repairs at 4,500+ network hospitals for driver health claims.

05

Renewal & Continuous Optimisation

Centralised renewal tracking with 60-day advance reminders. Annual portfolio review to identify coverage enhancements, premium optimisation, and emerging risk factors. NCB tracking across all policies.

Differentiation

Why Fleet Owners Choose Us

Unlike traditional brokers who simply place policies, we operate as a risk management partner with technology-driven transparency.

🛡

Comprehensive Coverage

Motor, cargo, and liability cover tailored to fleets of every size, from 3 vehicles to 300+. Bundled packages with multi-policy discounts up to 15%.

⚡

Fast Settlement

Dedicated claims desk with average settlement cycle of 14 days vs. industry average of 45+ days. 69% faster resolution keeps trucks moving.

📞

24/7 Support

Round-the-clock assistance for breakdowns, accidents, and renewals via dedicated relationship manager. No call centres, no ticket queues.

👤

Single Point of Contact

One relationship manager across every policy in the fleet. Direct mobile access to decision-makers, not automated systems.

🔍

Transparent Process

360-degree view of every policy, claim, and renewal status through digital dashboard. Real-time SMS and email updates at every milestone.

🌏

Pan-India Network

Coverage and support that travels with the fleet across every state, route, and border checkpoint. 850+ authorised garages nationwide.

Stories

What Our Partners Say

Real experiences from fleet operators who trust R.G. Insurance to keep their businesses protected and moving.

“
★★★★★

The 14-day claim settlement is not marketing, it is reality. When one of our trucks met with an accident on the Mumbai highway, the entire process from intimation to payout took just 11 days. That is unheard of in this industry.

M
Mohit Arya
Managing Director, PCC and Company
“
★★★★★

Having one relationship manager for our entire fleet of 200+ vehicles has transformed how we handle insurance. No more chasing multiple brokers. Raj and his team understand our routes, our cargo, and our risks like no one else.

S
S. Pritpal Singh
Founder, ABC Express
“
★★★★★

We specialise in ODC and fragile cargo where a single claim can run into crores. R.G. Insurance's bundled coverage with goods-in-transit and liability has closed gaps we did not even know existed. Zero unserved claims speaks volumes.

J
JCCI Logistics Team
Sanjay Gandhi Transport Nagar, Delhi
Team

Our Leadership

Principals with regional and zonal expertise across motor, fleet, and liability lines, ensuring every associate partner has direct access to decision-makers.

Raj Goel
CEO & Co-Founder

Raj Goel

Strategic vision and insurer relationship management. Directly oversees associate partner onboarding, underwriting negotiations, and annual portfolio reviews. 15+ years in commercial insurance broking with deep expertise in fleet risk architecture.

in@
Deepak Kumar
Regional Head, North & Central

Deepak Kumar

North and Central India operations with 12+ years in commercial motor underwriting. Specialises in heavy commercial vehicle fleets and multi-axle coverage. Manages relationships with SBI General, Bajaj Allianz, and ICICI Lombard.

in@
Atul Aggarwal
Zonal Head, West & South

Atul Aggarwal

West and South India coverage with expertise in multi-modal cargo risk assessment and port-to-inland logistics insurance. Former underwriting manager with specialised knowledge of marine cargo and ODC coverage.

in@

Our extended advisory network includes retired IRDAI officials, former chief underwriting officers from ICICI Lombard and Bajaj Allianz, and logistics industry veterans.

Questions

Frequently Asked Questions

What types of insurance are available for my fleet?+
Motor fleet, goods-in-transit, third-party liability, fire & property, and health cover for drivers can all be arranged, individually or as a bundled fleet protection package with discounts up to 15%.
How are claims handled for vehicles in the network?+
Each associate has access to a dedicated claims desk that coordinates directly with the underwriting insurer. For roadside incidents, 24/7 support is available on any route across India. Average settlement time is 14 days versus 45+ industry average.
Can cargo be insured separately from the vehicle?+
Yes, goods-in-transit and marine cargo cover is issued independently of the vehicle's motor policy, so cargo value can be adjusted per trip or per consignment without affecting base fleet coverage.
How do renewals work across multiple vehicles?+
Renewal reminders are tracked centrally for the whole fleet. Policies can be renewed together in a single exercise or on a rolling basis. Automated alerts are sent 60, 30, and 7 days before expiry.
Who do I contact for a new policy or a claim?+
Every associate is assigned a single relationship manager who handles new policies, renewals, and claims, ensuring continuity and accountability. You receive direct mobile contact, not a generic helpline.
What is the minimum fleet size to join the program?+
There is no minimum fleet size. We serve operators with 3 trucks to 300+ vehicles. Coverage architecture scales proportionally, and even small fleets benefit from the same insurer relationships and claims support.

Ready to Protect Your Fleet?

Join 1,400+ vehicles already under our protection network. Get a tailored quote in under 24 hours with no obligation.

Request Free Quote Call +91-9350005595
Get Started

Let's Bring Your Fleet Into the Network

Whether you operate three trucks or three hundred, our associate program is built to scale with your fleet.

Contact Information

📞
Phone

+91-9350005595
+91-9012877779

✉
Email

rajgoer.rgoel@gmail.com

📍
Head Office

Jarcha Road, Patel Nagar, Dadri
Delhi NCR, India

🌐
Website

www.rginsurance.co.in

🛠
Network

850+ Garages | 4,500+ Hospitals
28 States & 8 UTs

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