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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.
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.
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.
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.
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.
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.
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.
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.
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.
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Damages caused to your auto rickshaw in case of an accident.
Loss or damage of your auto rickshaw due to theft.
Damages caused to your auto rickshaw due to a fire.
Damages caused to your auto rickshaw due to any natural calamity.
If your auto rickshaw meets with an accident, leading to an injury or death of you or the driver using it.
Any damages caused by your auto rickshaw to a third party or its passengers.
Any damages caused to your auto rickshaw in cases where it's being towed.
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:
In the case of a Third-Party Liability Only Policy, damages to own vehicle won’t be covered.
If the owner-driver of the insured auto-rickshaw is drunk or driving without a valid license
Any damage caused due to a contributory negligence of the owner-driver (such as driving when there’s an existing flood)
Consequential damages is any damage that is not a direct result of the accident/natural calamity etc.
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Choose from the following 9 add-ons available under auto-rickshaw insurance policy by Digit to get enhanced protection for passenger carrying vehicles.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
Having a personal accident cover is mandatory by law so if you don’t already have it, add it with your three-wheeler insurance policy plan. This covers you for bodily injury or death of the owner-driver in case of an accident.
Since auto rickshaws are passenger carrying commercial vehicles, having this cover becomes important to protect the passengers in the vehicle in an unforeseen accident.
By opting for this cover, your three-wheeler business is protected against any legal liability that may arise due to an injury caused to your employees or someone who works for you.
This cover helps cover for losses or damage to lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork in all cases, even if the auto rickshaw is partially damaged.
This will cover any electrical accessories fitted in your auto rickshaw their vehicle, which is not a part of the manufacturer’s model.
In case of any non-electrical accessories fitted in your three-wheeler, which is not a part of the manufacturer’s model, get this cover to protect those accessories against any damage and loss.
With this cover, if you face any loss, you have to pay a certain amount as your share of the loss, called the compulsory deductible that helps reduce your premium. This will also cover the loss or damage to lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork if your vehicle is completely damaged.
Mayur Kacholiya
Product Head
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12 May 2024
Subasish Mohapatra
Under Digit’s Commercial Vehicle Package Policy, we cover all kinds of autorickshaws such as:
|
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 |
✔
|
✔
|
Here are the third-party premium rates for auto rickshaw in India, revised by the IRDAI in 2025.
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.
To buy Digit auto rickshaw insurance online, a load of paperwork is not required. Furnish only the following documents to buy a new two-wheeler insurance policy within minutes:
Registration Certificate
Previous Year Insurance Policy
A Previous Year Insurance Policy refers to the auto rickshaw insurance coverage you had for the previous policy term, typically valid for one year. It includes details like:
Documents for KYC Verification
Login
Open the Digit App and go to the "File Motor Claim" option. Login and you'll be directed to the "File Motor Claim" page. Click on the policy card to start claim filing.
Provide Details
Fill in all the details related to the accident and damage to the Auto Rickshaw.
Enter Personal Details
Update your personal details and that's it, your claim is successfully filed, and you will receive the next steps on your email & WhatsApp.
To download your renewed or already active commercial vehicle insurance policy with Digit, follow the given steps:
Login to Your Acount
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
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:
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.
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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!
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The following are the factors that will affect your Auto rickshaw insurance premium.
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Have queries related to Digit motor insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
Connect with our self-serve chat bot support - 7026061234
Write to us at hello@godigit.com
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