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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?
Mandatory by Law
If you or your organization owns auto-rickshaws, it is mandatory by law to at least buy a Liability Only Policy in place. This will financially cover you and your business in case your three-wheeler causes damage and losses to third-party property, person or vehicle.
Enhanced Coverage
If you use your auto rickshaw as a primary part of your business, it’s advised to purchase a standard or comprehensive package policy as it will protect your auto and the owner-driver from any losses caused due to natural calamities, accidents, terrorist activities, fires, thefts and malicious acts, among other unforeseen circumstances.
Passenger Protection
An auto-rickshaw that comes with valid 3-wheeler insurance also assures your customers/passengers that you’re a responsible business and are serious about your work.
Financial Protection
An insured auto-rickshaw ensures your business doesn’t face any unplanned losses or downtime, which means you can instead spend your money and time on other aspects of your business.
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
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:
Own Damages for Third-Party Policy holder
In the case of a Third-Party Liability Only Policy, damages to own vehicle won’t be covered.
Drunk Riding or without a Licence
If the owner-driver of the insured auto-rickshaw is drunk or driving without a valid license
Contributory Negligences
Any damage caused due to a contributory negligence of the owner-driver (such as driving when there’s an existing flood)
Consequential Damages
Consequential damages is any damage that is not a direct result of the accident/natural calamity etc.
Add-ons not Bought
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
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.
Consumable Cover
A consumable add-on covers the cost for your auto rickshaw’s bits and pieces, like the nuts and bolts, screws, engine oil, and grease in case of an accident.
Zero Depreciation
This add-on ensures that the depreciation amount on your auto rickshaw and its parts over time is not deducted at the time of claim.
Engine and Gear Box Protect
This add-on will help cover any consequential damage caused to your commercial vehicle’s engine or gearbox after the accident, probably due to water regression or leakage of lubricating oil.
Breakdown Assistance or Roadside Assistance
In case you face a breakdown of your auto rickshaw on the road - due to an accident, flat tires, malfunctioning battery, or other factors, this breakdown assistance add-on will assist you 24x7.
Key and Lock Replacement
In instances where your rickshaw’s lockset needs to be replaced or the keys are lost, the key and lock replacement cover compensates you for the cost incurred to get the locks and keys replaced, installing a new lock set etc., in the insured three-wheeler.
Loss of Revenue
This add-on helps to compensate you for any loss of income that could occur while your auto rickshaw or commercial vehicle is not available when it’s being repaired due to damage.
Additional Towing Expenses
When your vehicle is in an accident, it will need to be towed to a garage to be repaired. Under this add-on, we will cover additional expenses that you might have while your vehicle is being moved from the spot of accident to the nearest garage or place of safety.
EMI Protection Cover
If your vehicle is taken on a loan and is damaged by an accident, and it’s sitting in a garage for repair that might mean a loss for your business. Through this add-on, you will be paid regular EMIs payable to the financier of the vehicle recorded in our books.
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
Mayur Kacholiya
Product Head
Auto Rickshaw Insurance Plans by Digit that Fit Your Needs
Third-Party Plan
Comprehensive Plan
Difference between Third-Party vs Comprehensive Auto Rickshaw Insurance
Liability Only
Standard Package
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Damages caused by your auto rickshaw to any third-party person or property |
✔
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✔
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Damages caused by your auto rickshaw to a third-party vehicle |
✔
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✔
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Loss or damages to your own auto rickshaw due to natural calamities, fire, theft or accidents |
×
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✔
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Injury/death of owner-driver If the owner-driver doesn’t already have a Personal Accident cover in his name |
✔
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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.
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:
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
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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.
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.