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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.

Buy/Renew Auto Rickshaw Insurance & 3-Wheeler Insurance Policy Online

Auto rickshaws or three-wheelers are an important and popular choice of public transportation in India, leading to an increased number of accidents. Thus, securing them with an auto rickshaw insurance becomes crucial.

So, here’s a 2025 guide for three-wheeler auto insurance to help you buy/renew the best auto rickshaw insurance policy in India.

What is Auto Rickshaw Insurance?

An auto rickshaw insurance is a type of commercial vehicle insurance policy designed to protect and suit the needs of a three-wheelers in India. It’s mandatory for all auto rickshaw owners to at least have a third-party auto rickshaw insurance to financially protect them from third-party liabilities. However, you can buy a comprehensive auto rickshaw policy for enhanced coverage.

Is it Mandatory to have an Auto Rickshaw Insurance Policy?

Yes, according to the Motor Vehicles Act in India, it is compulsory for all vehicles to have at least a Liability Only Policy in place. Without this, it would be illegal to ride an auto rickshaw in India.
However, if you’re using your auto rickshaw as a primary source of income or, as part of a business, then it is advised to have the Standard Package Policy, as that not only covers the damages caused to third parties by your auto rickshaw but, also covers for damages caused to your own vehicle and the owner-driver against damages caused due to accidents, collisions, natural calamities, fires and other such mishaps.

How does Auto Rickshaw Insurance Work?

Auto Rickshaw is a type commercial vehicle insurance that is a contract between you and the insurance company. You pay a small amount as the premium and in turn the insurer provides you with financial protection for your vehicle against damages due to accidents, natural disasters, theft, and other unforeseen events. Here's how it works

Choose a Policy

You choose the type of auto rickshaw insurance plan, including the appropriate add-ons that suit your needs and budget

Buy or Renew Policy

As per your chosen auto rickshaw insurance plan, you can buy or renew auto rickshaw insurance online instantly with Digit

Pay Premium

After purchasing the policy, you have to pay regular payments or auto rickshaw insurance premium to the insurance company, either annually or in installments.

File a Claim

File a claim with your insurer and provide the required documents. After damage assessment, the insurer will settle the claim as per the policy terms.

Why Should I Buy Auto Rickshaw Insurance?

Why Choose Auto Rickshaw Insurance by Digit?

We treat our customers like VIPs, know how…

Customize your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 call facility even on National Holidays

Super-Fast claims

Smartphone enabled self-inspection processes takes minutes!

Key Features of Auto Rickshaw Insurance by Digit

Key Features	Digit Benefit
Claim Process	Paperless Claims
Customer Support	24x7 Support
Customisable Add-ons	9 add-ons available
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

Types of Rickshaws Covered in Auto Rickshaw Insurance by Digit

Under Digit’s Commercial Vehicle Package Policy, we cover all kinds of autorickshaws such as:

Auto-Rickshaw: One of the most common means of urban transportation in India, these are your usual TVS and Bajaj autorickshaws you see across the city.
Electric e-Rickshaw: A relative newbie to the three-wheeler family, an e-autorickshaw is primarily run by electric motors/solar panels or batteries, unlike the others that are run on petrol and diesel.

What's Covered in Auto Rickshaw Insurance by Digit?

Accidents

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

Theft

Loss or damage of your auto rickshaw due to theft.

Fire

Damages caused to your auto rickshaw due to a fire.

Natural Disasters

Damages caused to your auto rickshaw due to any natural calamity.

Personal Accident

If your auto rickshaw meets with an accident, leading to an injury or death of you or the driver using it.

Third Party Losses

Any damages caused by your auto rickshaw to a third party or its passengers.

Towing Disabled Vehicles

Any damages caused to your auto rickshaw in cases where it's being towed.

What’s Not Covered in Auto Rickshaw Insurance by Digit?

It is equally important to know what’s not covered in your auto rickshaw insurance policy so that there are no surprises when you make a claim. Here are some such situations:

Add-ons Available with Auto Rickshaw Insurance by Digit

Choose from the following 9 add-ons available under auto-rickshaw insurance policy by Digit to get enhanced protection for passenger carrying vehicles.

Return to Invoice

If your three-wheeler suffers a total loss/constructive loss or is stolen, you will be compensated the amount or a new auto at the prevailing ex-showroom price, under return to invoice cover. The new 3-wheeler will be the same make, model, and variant. If it is discontinued the Company’s Liability will be limited to the difference between the last available ex-showroom price and claim payable under OD section of the Base Policy.

Additional Coverages or Endorsements Available with Auto Rickshaw Insurance by Digit

Digit also offers optional covers for 3-wheeler insurance, which provide enhanced coverage to protect in all circumstances. You can opt for them as per your needs to extend your three-wheeler commercial vehicle’s coverage, including:

Personal Accident Cover
Unnamed PA Cover
Legal Liability Cover
IMT 23 Cover
Electrical Accessories Cover
Non-Electrical Accessories Cover
Special Exclusions & Compulsory Deductibles Cover

How Add-on Covers helps in Protecting your Auto Rickshaw?

Accidents can put your auto rickshaw out of action for weeks, leading to significant financial setbacks. Enhancing your auto rickshaw insurance policy with appropriate add-ons can provide additional layers of security. For instance, the Return to Invoice Cover ensures you receive the original invoice value in case of total loss or theft.

Auto Rickshaw Insurance Plans by Digit that Fit Your Needs

Third-Party Plan

A Third-party insurance is one of the most common types of auto rickshaw insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.

Comprehensive Plan

A Comprehensive insurance is one of the most valuable types of auto rickshaw insurance that covers both third-party liabilities and damages to your own auto rickshaw as well.

Difference between Third-Party vs Comprehensive Auto Rickshaw Insurance

Liability Only

Standard Package

Damages caused by your auto rickshaw to any third-party person or property	✔	✔
Damages caused by your auto rickshaw to a third-party vehicle	✔	✔
Loss or damages to your own auto rickshaw due to natural calamities, fire, theft or accidents	×	✔
Injury/death of owner-driver If the owner-driver doesn’t already have a Personal Accident cover in his name	✔	✔

Third Party Premiums for Auto Rickshaw/Three-Wheelers

Here are the third-party premium rates for auto rickshaw in India, revised by the IRDAI in 2025.

Segment	Premium Rate (January 2025)
Basic Premium	₹2,371
For Each Passenger	₹1,134

How to Buy/Renew Auto Rickshaw Insurance Online with Digit?

Enter Auto Rickshaw Details

On the Digit App or website, enter car registration number and select the policy status.

Choose a Plan

Select the type of Auto Rickshaw insurance plan and choose desired add-ons.

Enter Personal Details

Enter your personal, nominee and vehicle details, and move to the next step.

Make Payment

Complete the payment and mandatory KYC verification process.

That's It!

You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

Why is it Important to Renew Auto Rickshaw Insurance on Time?

To protect your daily business from any losses that can be caused due to any minor or major accident, collision and even natural calamity.

To protect yourself from any third-party liabilities and troubles; as per the law, every vehicle, including an auto in India should at least have a Third-Party policy.

To ensure the safety of your passengers. You can also opt for our passenger cover if you take a Comprehensive Autorickshaw Insurance. This will ensure both your auto and its passengers are protected too.

Difference between Auto Rickshaw Insurance and Private Vehicle Insurance

Commercial auto rickshaw insurance covers passenger-carrying vehicles which are used only for commercial purposes. Whereas a regular motor insurance policy covers any vehicle that is used only for personal purposes. Here are the key differences:

Feature	Auto Rickshaw Insurance	Regular Private Vehicle Insurance
Vehicles Covered	Three-wheeler commercial vehicles (auto rickshaws).	Various private motor vehicles (cars, bikes).
Premium	Higher, as in addition to the basic premium, there is alsi premium per passenger.	Lower, as there is a basic third-party premium for the vehicle.
Cost	Generally Lower	Generally Higher (depending on vehicle and coverage)

How to Choose the Right Auto Rickshaw Insurance Policy?

Given the number of options available today, it is important to pick an insurance that is simple, reasonable, protects and covers you and your business in all possible situations and most importantly, guarantees to settle claims as soon as possible. After all, that’s the most important part of an insurance!

Here are a few tips that will help you pick the right motor insurance for your three-wheeler:

Right Insured Declared Value (IDV): IDV is the manufacturer’s selling price of the auto you want to insure (including its depreciation). Your premium will be dependent on IDV. While looking for the right auto rickshaw insurance online, make sure your IDV is stated correctly.
Service Benefits: Consider services such as 24x7 Customer Support and a wide network of cashless garages, among others. In times of need, these services matter.
Review Add-Ons: While picking the right auto rickshaw insurance for your three-wheeler, consider the add-ons available to ensure maximum benefits.
Claim Speed: It’s the most important aspect of any insurance. Pick an insurance company you know will settle claims quickly.
Best Value: From the right premium and after services to claim settlements and add-ons; pick an auto rickshaw insurance that conveniently covers everything you think you will need at the best possible value.

How to Compare Auto Rickshaw Insurance Quotes Online?

It can be tempting to pick the cheapest auto rickshaw insurance available. However, while comparing different auto insurance quotes, consider factors such as service benefits and claim settlement periods.

Weighing in important factors is important to ensure your three-wheeler and business are safeguarded against all the odds:

Service Benefits: Great services really matter in times of trouble. Make sure to evaluate services each insurance company is offering and make a sound choice accordingly. Some of the services Digit offers are 24*7 Customer Care Support and Cashless Garages among other services.
Quick Claim Settlement: The whole point of insurance is to get your claims settled! So, make sure you pick an insurance company that will guarantee quick claim settlements. Additionally, we have a zero-hardcopy policy, which means we only ask for soft copies. Everything is paperless, quick and hassle-free!
Check your IDV: A lot of auto rickshaw insurance quotes online will have a low IDV (Insured Declared Value), i.e. the manufacturer’s selling price three-wheeler. While the IDV affects your premium, it also makes sure you get your right claim at the time of a settlement. The last thing you want during a theft or damage is to find out your IDV was low/at the wrong value! At Digit, we give you the option to set your IDV while buying your commercial vehicle insurance policy online.
Best Value: Finally, pick an auto insurance policy that gives you a fair combination of it all. The right price, services and of course, quick claims!

What are the Factors Affecting Auto Rickshaw Insurance Premium?

The following are the factors that will affect your Auto rickshaw insurance premium.

Model, Engine & Make of the Vehicle: For any kind of motor insurance, the model, make and engine are extremely important in determining the right insurance premium. Therefore, your auto rickshaw insurance will primarily depend on the model and make of your rickshaw, type of fuel, its manufacturing year and additional features, amongst others.
Location: The place you register and choose to ride your rickshaw matters a lot when deciding your insurance premium. Metropolitan cities with a lot of traffic, crime and accident rates would obviously charge a higher premium, while safer and smaller cities may charge a lesser insurance premium.
No-Claim Bonus: If you’ve already had auto rickshaw insurance before and are currently looking to renew your policy or get a new insurer- then in this case your ncb will also be considered, and your premium will be at a discounted rate! A No-Claim Bonus means your auto rickshaw hasn’t had a single claim in the previous policy term.
Type of Insurance Plan: There are primarily two kinds of insurance available for all commercial vehicles, including auto rickshaws. Your insurance premium price will depend on the kind of plan you choose.

FAQs about Auto Rickshaw Insurance in India

All

Can I buy an auto rickshaw insurance online from Digit?

Yes, you can. Visit the Digit website or app, provide your details, select insurance plan, complete KYC, make payment, and you’re done!

What is the difference between Liability only auto-rickshaw policy and a standard auto-rickshaw policy?

A Liability only auto-rickshaw policy will only cover third-party related damages and losses such as if your rickshaw causes damage to another person, vehicle or property. Whereas, a Standard auto-rickshaw policy covers for both third-party damages and own damages, such as if you damage your auto-rickshaw in an accident or natural calamity.

Where can I repair my auto-rickshaw in case of damage?

If you've activated your auto-rickshaw policy with us, you can use any of our 1400+ garages, spread across India. On the other hand, you can also get your auto-rickshaw repaired at another garage of your choice and get the required amount reimbursed from us. Click here to check our network of garages.

Are passengers also covered in auto-rickshaw insurance?

Passengers are considered as third parties and are, therefore, covered under both the Liability-only policy and Standard Policy.

Can I insure over 100 auto rickshaws as part of my company with Digit's auto-rickshaw insurance?

Yes, there's no limit to how many auto rickshaws you can insure with us.

What should I do if my auto-rickshaw gets into an accident?

Call us immediately on 1800-258-5956 and we will help you from thereon.

How to calculate the premium of three-wheeler insurance?

The auto rickshaw insurance premium varies depending on the type of auto rickshaw, its cc, location of vehicle, seating capacity, vehicle weight, and more factors.

How much is auto rickshaw insurance premium amount?

Basic premium for auto rickshaw insurance for third-party policy is fixed by IRDAI at ₹2,371 and ₹1,134 additionally for each passenger.

Is it mandatory to have insurance for auto rickshaws?

As per the Motor vehicle Act 1988, all auto rickshaw owners must have at least a third-party insurance policy. However, if they want to get coverage for their own damage caused due to accidents, natural calamities, fire, etc., they can purchase the comprehensive insurance policy.

Who can buy an auto-rickshaw insurance policy in India?

If you are an auto-rickshaw owner – no matter if you own a single auto-rickshaw that you use to earn or run a business that uses auto-rickshaws, you can an auto-rickshaw insurance policy in India.

Can I get a discount of up to 50% under the three-wheeler insurance policy?

Yes, you can get a discount up to 50% under the No Claim Bonus add-on only if you do not raise a claim for 5 consecutive years.

Does Digit provide towing facility to the damaged auto rickshaw?

Yes, Digit provides towing facilities in case your auto rickshaw stops or gets damaged in the middle of the road.

Can I avail add-ons on my auto rickshaw insurance policy?

Yes, you can opt for different add-on covers available with Digit only with a comprehensive auto rickshaw insurance policy.

Will the IDV affect my insurance premium amount?

Yes, the IDV impacts your three-wheeler insurance policy premium amount. If you choose an IDV higher than the current market value of your vehicle, the sum insured of your policy will be higher, thus, resulting in higher premiums.

How can I reduce the premium of my auto rickshaw insurance plan?

To save on your auto rickshaw insurance premium keep your driving record clean, get timely policy renewals, choose the right IDV, compare insurance quotes online, and get only appropriate add-ons.

Does Digit include personal accident cover under auto rickshaw insurance?

Yes, auto rickshaw insurance policy by Digit includes the personal accident cover.

Is total loss covered under three-wheeler insurance by Digit?

Yes, Digit provides cover for the total loss only when the estimated repair cost of insured auto rickshaw exceeds 75% of its IDV.

How does life insurance help my family if I die in an auto rickshaw accident?

Life insurance gives your family a lump sum if you pass away, helping them manage expenses. Auto insurance won’t cover personal loss unless you have a rider. Life insurance fills that gap and ensures financial security.

Is term insurance useful for auto rickshaw drivers?

Definitely. Term insurance offers high coverage at low cost. If you’re the main earner and drive daily, your job has risks. Term insurance protects your family financially if something happens to you unexpectedly.

If I drive an auto rickshaw daily, do I need health insurance?

Yes. Long hours on the road can lead to back pain, fatigue, and exposure to pollution. Health insurance helps cover hospital bills, doctor visits, and treatments. It’s especially important if you don’t get medical benefits from your employer.

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Written By:

Manasvi Gupta

Content Writer

Storyteller at heart, Manasvi brings 4 years of content and marketing experience to Digit. Whether it's writing SEO-optimised articles or a researched and insightful blog, she strives to transform ideas into creating impactful and engaging content.

Reviewed By:

Mayur Kacholiya

Product Head - Motor

Mayur specializes in motor insurance and is responsible for overseeing the development and management of motor insurance products. With expertise in product strategy and market analysis, he focuses on developing customer-centric insurance solutions.