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Buy Auto Rickshaw Insurance Online

To protect your Auto Rickshaw with a secure and customized insurance plan, email us at

Why do you need an Auto Rickshaw Insurance?

  • 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 rickshaw (s) causes damages and losses to a 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 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 a valid insurance also assures your customers/passengers that you’re a responsible and 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 towards other aspects of your business.

Why Digit Auto Rickshaw Insurance?

We treat our customers like VIPs, know how…

Super-Fast claims

90.4% claims settled in 30 days, with superfast claim process

24*7 Support

24*7 call facility even on National Holidays

Car With Amber Protective Cover

High IDV per rupee

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

What is Covered in Auto Rickshaw Insurance?



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


  • Loss or damage of your rickshaw due to theft.


  • Damages caused to your rickshaw due to a fire.
Natural Disasters

Natural Disasters

  • Damages caused to your rickshaw due to any natural calamity.
Personal Accident

Personal Accident

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

Third Party Losses

  • Any damages caused by your rickshaw to a third party or its passengers.
Towing Disabled Vehicles

Towing Disabled Vehicles

  • Any damages caused to your rickshaw in cases where its being towed.

What's Not Covered

If the driver of the claimed for rickshaw is drunk or driving without a valid license 
Any damage that is not a direct result of the accident/natural calamity/etc
Any damage caused due to a contributory negligence of the driver (such as driving when there’s an existing flood)  
Some situations are covered in add-ons. If you haven’t bought those add-ons, those benefits can’t be covered (for example, tyre damage is only covered if it were damaged during an accident/natural calamity/etc, in other cases an add-on for the same can be bought) 

Types of Auto Rickshaw Insurance Plans

Based on the requirement of your three-wheeler, we primarily offer two policies. However, considering the risk and frequent use of any commercial vehicle, it’s recommended to take a Standard Package Policy that will financially protect your rickshaw and the driver using it as well.


Liability Only Policy

Standard Package Policy

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

Not Covered


Injury/death of owner/driver

Not Covered



Breakdown Assistance Cover - This add-on provides 24x7 assistance for your three-wheeler up to 500 km from the city. This add-on can be extremely beneficial in case your car breaks down en route a passenger drop. This way, your passengers won’t be waiting for too long in case of an emergency and the journey too will get easier for you and them 🙂 

Return to Invoice Add-On - In case your brand-new auto rickshaw is damaged beyond repair or stolen, this add-on makes sure you get the last invoice value of the same (this means, it doesn’t account for any depreciation). Additionally, we also provide for the new registration and road tax of the new rickshaw to be bought. This makes for a beneficial add-on for new auto rickshaws opting for a commercial vehicle insurance. 

Zero Depreciation/Bumper-Bumper Add-On - Generally, every vehicle and its parts depreciates/decreases in value. This includes parts such as the bumper, metal or fiber parts of the car. In case of a damage- depreciation is deducted from the claim money. However, having this add-on considers zero depreciation and you get to have the full value of the cost of repair/replacement. This add-on is extremely beneficial if your three-wheeler is less than 5 years old.
Tyre Protect Cover - This add-on covers common scenarios where an accidental damage happens only to the tyre alone; such as tyre bursts, bulges and cuts.
Engine & Gear-Box Protection Add-On - This add-on covers damageof your auto rickshaw’s engine and gear box which may not be caused at the time of an accident. 

How to Claim?

Call us at 1800-103-4448 or drop us an email at

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.

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How fast are Digit Insurance Claims Settled?

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Read Digit’s Claims Report Card

Know More About Auto Rickshaw Insurance