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What is Auto Rickshaw Insurance?

Commercial taxi/cab insurance is specialised coverage for vehicles used in taxi or cab services. Commercial vehicle insurance includes liability third party and comprehensive coverage, protecting against accidents, damage, and theft. Additional features like uninsured motorist coverage, medical payments, and commercial use endorsement cater to business-related risks. This type of insurance accounts for the higher usage and risks associated with commercial vehicles, ensuring the safety of drivers, passengers.

Auto Rickshaw Insurance Price – Buy/ Renew Three Wheeler Insurance Online

Auto rickshaw insurance is also considered in commercial vehicle insurance as auto rickshaw is a part of commercial vehicle so it helps the auto owner when damages or loss to three wheeler auto if any accident, theft, fire or natural calamity happens.

Also Indian law says that at least third party insurance should be available for three wheeler auto rickshaw when vehicles run on roads.

Auto Rickshaw Insurance Price?

Auto rickshaw insurance prices start from Rs. 4300+GST for 1 year third party policy for goods carrying vehicles and for passenger carrying it is 5044+GST for 1 year third party while comprehensive or first party insurance costs about 15% more than third party premium. 

Refer below table for price list or get an exclusive auto rickshaw insurance quote from us now.





Bajaj Maxima


Piaggio Ape


TVS King


Mahindra Alfa


Lohia Hamsafar


What's covered in Auto rickshaw Insurance?


 Damages caused to the auto rickshaw in case of an accident.


Loss or damage to the auto rickshaw due to theft.


Damages caused to the auto rickshaw due to a fire.

Natural Calamities

Damages caused to the auto rickshaw due to any natural calamity

Personal Accident

 If there is an accident of the auto rickshaw, leading to an injury or death of the owner or paid driver.

Third Party Losses

Any damages caused by the commercial vehicle to a third party person or any property.

Towing Disabled Vehicles

Any damages caused to the vehicle by the auto rickshaw to the vehicle being towed.

Additional Coverages Available

Personal Accident Cover

If you don’t have a Personal accident cover (PA cover), you can include it within your commercial insurance policy plan as having a personal accident cover is mandatory by law. This provides coverage for bodily injury in partially or permanent disability  or death of the owner-driver in case of an unfortunate accident.


Legal Liability


This cover has you protected against any legal liability that arises against you due to an injury caused to your employees / someone who works for you.


IMT 23


This cover helps cover for losses or damages to lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork in all cases, even if the vehicle is partially damaged.


What’s not covered?

It is important to know what’s not covered in your commercial vehicle insurance policy so that there are no misses when you make a claim. Here are some such situations

Own Damages for Third-Party Policy holder

In case of a Third-Party Liability Only Policy, damages to one’s own vehicle won’t be covered.


Drunk Riding or without a Licence


If the owner-driver or a Paid driver of the claimed vehicle is drunk or driving without a valid licence.


Contributory Negligence


Any damage caused due to contributory negligence of the driver (such as driving when there’s an existing flood).

Consequential Damages

Any damage that is not a direct result of the accident/natural calamity i.e., consequential losses like loss of earnings, loss of market, if already damaged long back etc.

Key Features of Commercial auto rickshaw Insurance

Key Features


Claim Process

Paperless Claims

Customer Support

24×7 Support

Types of Commercial Vehicles Covered

Cabs and Taxis, Trucks, Lorries, Buses, Auto Rickshaws, School Vans, etc.


Customised as per type of commercial vehicle & number of vehicles to be insured

Additional Coverage

PA Covers, Legal Liability Cover, Special Exclusions and Compulsory Deductibles, etc

Damages to Third-Party

Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages

Type of Auto rickshaw Insurance Price

Based on your requirement of your three wheeler, Primarily offer two types of policies. However, considering the risk and use of commercial vehicles, it’s recommended to take a standard package policy that will financially protect your own commercial vehicle, and the owner-driver using a paid driver is also a third party as well.


Liability Only

Standard Package

If any damages caused by your commercial vehicle to any third-party person or property



If any damages caused to any third-party person or property by the vehicle being towed by your insured commercial vehicle



Loss or damages to own commercial vehicle due to natural calamities, fire, theft or accidents.



If owner driver doesn’t already have a personal accident cover from before






How to file a claim?

In case of filing the claim you need to file it to direct insurer what you choose at the time of buying an insurance policy for your commercial vehicle policy, we can also help you if you find it difficult to file the claim for your particular vehicle.

Keep your details such as policy number, location of the accident, date & time of the accident, and contact number of the insured/caller handy to make our process easier.

How fast are Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that! This report card is applicable on go digit general insurance only.

Read Claims Report Card

Know more about Commercial auto rickshaw Insurance

Benefits Of Buying Auto Rickshaw Insurance Online
Zero depreciation and IMT23 quotes
Get discount on own damage premium
Digital documentation
Quote comparison with multiple insurers
Time saving
Convenience and accessibility

Yes, commercial vehicle insurance is important for several reasons:

Legal requirement: In many jurisdictions, having commercial vehicle insurance is a legal requirement for vehicles used for business purposes.

Financial protection: Without insurance, businesses would be responsible for bearing these costs out of pocket, which could be financially burdensome or even result in significant losses.

Liability coverage: Accidents involving commercial vehicles can lead to property damage, bodily injuries, or legal claims from third parties. Commercial vehicle insurance offers liability coverage, protecting businesses from potential lawsuits and the associated costs of legal defense or settlement.

Business continuity: If a business heavily relies on its vehicles for operations such as transportation, delivery, or service provision, any disruption or loss of these vehicles can significantly impact the business's continuity. Commercial vehicle insurance helps minimize downtime by providing coverage for repairs, replacements, or temporary vehicle rentals, allowing businesses to resume operations more quickly.

Customised coverage: Commercial vehicle insurance offers tailored coverage options that cater specifically to the risks associated with commercial vehicle use. This ensures that businesses have the appropriate protection for their unique needs, which may not be adequately addressed by personal auto insurance policies.

Overall, commercial vehicle insurance is important as it helps businesses comply with legal requirements, protects them financially, safeguards against liability claims, ensures business continuity, provides tailored coverage, and offers peace of mind. It is a crucial component of risk management for businesses that utilise vehicles for their operations.

Legal Requirement:- As per Indian government law it is important to have commercial or auto rickshaw insurance because when something happens to the third party than in financial condition the insurer will help you.

Financial Protection:- when something happens to the third party than in financial condition the insurer will help you.

Third-Party Liability Coverage :- Auto rickshaw insurance also includes third-party liability coverage. This means that if your rickshaw is involved in an accident that causes injury, death, or property damage to others, your insurance will cover the costs.

Own Damage Coverage:- This will help you to get out from financial loss of your vehicle in case and damage or loss to your own three wheeler or auto rickshaw.

Personal Injury Coverage:- auto rickshaw insurance policies offer personal injury coverage, which covers medical expenses and sometimes loss of income if you or your passengers are injured in an accident. This coverage ensures that you and your passengers receive appropriate medical care without shouldering the financial burden.


Comparing commercial vehicle auto rickshaw insurance quotes online can help you find the best coverage and pricing for your business. Here's a step-by-step guide on how to compare commercial vehicle insurance quotes effectively:

Gather necessary information: Before starting your search, gather relevant information about your business and vehicles. This may include details such as the number of vehicles, vehicle types, usage patterns, driver information, and any specific coverage requirements you have.

Research reputable insurance comparison websites: Look for trusted insurance comparison websites that provide quotes from multiple insurance providers. Make sure the website from your compare or buy is reliable and has a good reputation for accuracy and security.

Enter your details: Fill in the required information on the comparison website accurately and completely. This typically includes details about your business, vehicles, drivers, and desired coverage.

Specify coverage requirements: Clearly state the coverage options you need, such as liability coverage, collision coverage, comprehensive coverage, medical payments coverage, and uninsured/underinsured motorist coverage. This will ensure accurate quotes that meet your specific needs.

Compare quotes: Once you've entered your information, the comparison website will provide you with quotes from different insurance providers. Review the quotes carefully, comparing the coverage options, premiums, deductibles, and any additional benefits or limitations associated with each quote.

Evaluate coverage and exclusions: Pay close attention to the coverage details and any exclusions mentioned in the quotes. Assess how well each quote aligns with your business requirements and the level of protection you need.

Consider customer reviews and ratings: While comparing quotes, take into account customer reviews and ratings of the insurance providers. This can give you insights into their reputation, customer service, claims handling, and overall satisfaction levels.

Assess the financial stability of insurers: It's important to consider the financial stability of the insurance companies providing the quotes. Research their financial strength ratings from reputable rating agencies to ensure they are financially sound and capable of meeting their obligations.

Seek clarification if needed: If you have any questions or need clarification about the coverage or terms, reach out to the insurance providers directly. Contact their customer care and service or speak with an insurance agent to address any concerns or doubts you may have like IDV or NCB or anything you do not know about the insurance.

Make an informed decision: Based on your evaluation of the quotes, coverage, reputation, and financial stability of the insurance providers, make an informed decision that best meets your business needs and budget.

Remember, it's not just about choosing the lowest-priced quote but also ensuring the coverage and service quality are suitable for your business. Take your time, compare the quotes thoroughly, and consider all relevant factors before making a decision.

  • Consider the nature of your auto rickshaw business: Are you using it for passenger transport, goods delivery, or both?
    Understand Coverage Types:
    Liability Coverage: This is typically the minimum required coverage and covers third-party bodily injury and property damage in case of an accident.
    Comprehensive Coverage: Covers damages to your auto rickshaw caused by accidents, natural disasters, theft, and vandalism.
    Personal Injury Coverage: Provides medical coverage for you and your passengers in case of injuries.
    Uninsured/Underinsured Motorist Coverage: Protects you in case of an accident involving an at-fault party with insufficient or no insurance.
    Determine Coverage Limits:
    Decide on appropriate coverage limits based on potential damages and liabilities. Higher coverage limits provide more protection but may also increase premiums.
    Compare Quotes:
    Obtain quotes from multiple insurance providers to compare premiums, coverage options, and deductibles.
    Online comparison tools can be helpful in easily comparing different policies.
    Check Exclusions and Inclusions:
    Carefully read the policy documents to understand what's covered and any exclusions that might apply.
    Ensure the policy covers scenarios relevant to your rickshaw's use, such as commercial purposes, passenger liability, and goods transport.
    Consider Add-Ons:
    Depending on your needs, consider add-ons like roadside assistance, zero depreciation and consumables coverage.
    Review Claim Settlement Process:
    Research the insurer's claim settlement process, as a smooth claims experience is crucial during emergencies.
    Read Reviews and Reputation:
    Look for reviews and feedback about the insurance provider's customer service, claims handling, and overall reliability.
    Seek Expert Advice:
    Consult with insurance agents or experts who can provide personalised advice based on your specific requirements.
    Check Discounts:
    Inquire about available discounts, such as no-claims bonus, loyalty discounts, and multi-vehicle discounts.
    Consider Financial Stability:
    Opt for insurance providers with a strong financial track record to ensure they can honour claims when needed.
    Read and Understand the Policy:
    Carefully read the policy documents before purchasing. Understand terms, conditions, and any clauses that may affect your coverage.

Important Things to know before buying a Commercial auto rickshaw Insurance Policy

Coverage options: Understand the different types of coverage for your commercial vehicle insurance, such as third party liability coverage, first party coverage, comprehensive coverage, medical payments coverage, and uninsured motorist coverage. Assess your business needs and select the appropriate coverage options.

What is IDV?

The Insured Declared Value is the maximum amount your insurance provider can pay out in case your car is stolen or damaged beyond repair. This value is determined by the manufacturer’s selling price of your vehicle and its depreciation calculated.

What is NCB (No Claim Bonus)?

A No Claim Bonus (NCB) is a discount on premium given to the policyholder for having a claim free policy term. A no claims bonus ranges from a discount of 20-50% and is something you earn at the end of your policy period by maintaining a record of having no accidents caused by your commercial vehicle.

What are Deductibles?

Deductibles are the amount the policyholder is required to pay out during a claim. There are generally two kinds of deductibles; one that is compulsory and the other, the voluntary claim- that you can opt and choose according to how much your business can bear per claim.

The higher your voluntary claim, the lower is your premium. However, while choosing a voluntary deductible amount- make sure it is an amount you’ll be able to afford in case a claim arises.

What is a Cashless Claim?

If you opt to get your commercial vehicle repaired with a Digit Authorised Repair Center, we will make the payment for the approved claim amount, directly to the Repair Center. This is a Cashless Claim.

Please note, if there are any deductibles, like a Compulsory Excess/ Deductible, any repair charges for which your insurance doesn’t cover you or any depreciation costs, that is to be paid by the insured’s own pocket.

What do you mean by a Third-Party Liability?

A Third-Party Liability is when your commercial vehicle damages a third-party property, person or vehicle. In this case, your insurance policy (Liability only policy/Standard Package Policy) is liable to financially cover for the losses incurred towards it

Legal requirements: Familiarise yourself with the legal requirements for commercial vehicle insurance in your jurisdiction. Ensure that the policy you choose meets the minimum insurance requirements mandated by law.

Vehicle information: Provide accurate and detailed information about your commercial vehicles when applying for insurance. This includes vehicle make, model, year, usage, and any modifications. The accuracy of this information ensures appropriate coverage and accurate premium calculation.

Driver details: Disclose accurate information about the drivers who will be operating the commercial vehicles. This includes their driving records, experience, and any relevant qualifications. Providing false or incomplete driver information can impact the validity of the insurance policy.

Exclusions and limitations: Review the policy documents to understand the exclusions and limitations associated with the coverage. These may include specific types of accidents or damages that are not covered, as well as any restrictions on vehicle usage or driver qualifications.

Deductibles: Determine the deductibles associated with the policy. A deductible is the amount you agree to pay out of pocket before the insurance coverage comes into effect. Consider your budget and risk tolerance when selecting the deductible amount.

Policy limits: Understand the policy limits for each coverage type. Policy limits represent the maximum amount the insurance company will pay in the event of a claim. Ensure that the limits are sufficient to cover potential losses and liabilities.

Premiums: Consider the premium cost associated with the policy. Premiums can vary based on factors such as vehicle type, usage, driver records, and coverage limits. Compare quotes from multiple insurers to get a sense of the premium range and choose a policy that provides the best value for your business.

Claims process: Familiarize yourself with the claims process of the insurance company. Understand the steps involved in filing a claim, the required documentation, and the timeframe for claim resolution. A smooth and efficient claims process is crucial when you need to make a claim.

Insurance provider reputation: Research the reputation and financial stability of the insurance provider. Look for reviews, ratings, and customer feedback to gauge their reliability and customer service track record. Choose an insurer that has a solid reputation and a history of prompt and fair claims handling.

Additional benefits: Inquire about any additional benefits or services offered by the insurance provider. This could include roadside assistance, loss of use coverage, or fleet management tools. Assess if these additional benefits align with your business needs.


FAQs about Auto rickshaw Insurance in India

List Of Documents Required For The Claim

You can directly call in the emergency number if any injury or in damaged condition you can call to the insurer contact number mentioned on your policy paper.

  • Copy of Registration Certificate (RC) of three wheeler

  • Original repair bill or invoice

  • Repair bill payment receipt

  • Police FIR (in case of third party liabilities)

  • Vehicle’s keys (in case of theft)

  • Non-traceable certificate (in case of theft)

  • All valid documents like insurance copy,permit,pollution and tax copy.

How To Register An Auto Rickshaw Claim?

Steps to file a claim in auto rickshaw insurance policy

  • Inform the insurance company about the incident involving your 3 wheeler auto and submit all the required documents either online or offline suits you.

  • The insurance provider will make a physical inspection of your auto rickshaw.

  • Network garage will make the repair work evaluation If cashless available.

  • The insurer will approve the repair following the repair work at the network garage.

  • After repairs, the invoice is submitted to the insurance provider.

  • Fill up the claim form and submit all the other required documents.

  • The bill will be settled directly with the network garage.