E-Rickshaw insurance is a commercial vehicle insurance policy that serves as an agreement between the insurer and the insured, where the insurer is liable to provide coverage for any unforeseen damage or loss. The policy comes in handy for damages resulting from accident, theft, natural calamities, etc. You can avail yourself of the policy by paying an affordable premium. 

Why is e-rickshaw insurance needed?

An e-rickshaw insurance policy is needed because of the reasons listed below: 

• It is mandatory for organizations that own e-rickshaws to buy a liability Only Policy as per law as it covers the business financially if the vehicle suffers damage or causes damage to a third-party vehicle, property, or person.

• The policy can help the person from suffering any losses due to factors like accidents, thefts, fires, terrorist activities, natural calamities, and other unforeseen circumstances.

• Ensures that you don’t face any unplanned losses or downtime. 

• Having the insurance shows that you are responsible and serious about your work. 

The e-Rickshaw insurance policy has the following features - 

• Digit offers additional coverage like Personal Accident covers, legal liability cover, exclusions, and compulsory deductibles.

• You can claim unlimited liability for personal damages up to Rs.7.5 lakh for damage caused to vehicle or property of third parties. 

• The claim settlement process is completely paperless.

• The insurer offers round-the-clock customer support. 

How to file a claim?

If you want to file a claim you need to follow the process mentioned below:

• Call 1800 258 5956 or send an email to hello@godigit.com

• Inform about the whole scenario

• Provide details like policy number to the customer care representative

• Once the claim is initiated by the insurer, get the documents ready

• Fill in the claim settlement form, provide details of the accident like date and time, place etc. and submit pictures of the damage caused to the vehicle.

Note: The insurer might send a person to inspect the damage before the claim is settled or rejected. 

For e-rickshaws, two types of insurance policies are being provided by Digit. They are - 

• Standard policy – In a standard policy, coverage for damage caused to the vehicle due to factors like accidents, fire, theft, natural calamities, etc. In addition to that, damages caused to any third-party person, vehicle, or property as well as injury or death of the owner or driver of the vehicle is covered. 

• Liability only – A liability only policy will only cover the damage caused by the vehicle to any third-party person, vehicle or property. Injury or death of the owner/driver of the vehicle is also covered.