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All the e-rickshaw owners in India need to secure their commercial electric rickshaws from damages, theft, third-party liabilities and to comply with the law, which makes it necessary to have an e-rickshaw insurance policy in place.
So, here’s an e-rickshaw insurance guide to help electric rickshaw owners buy or renew the policy in a hassle-free manner.
An e-rickshaw insurance is a type of commercial vehicle insurance policy that serves as a protection for electric three-wheelers against any unforeseen damage or loss resulting from accidents, theft, natural calamities, etc.
In India, it is mandatory by law to have at least have a third-party e-rickshaw insurance policy. However, for added protection, you can get comprehensive e-rickshaw insurance or Own Damage plan as well.
You can avail yourself of the e-rickshaw insurance online policy at an affordable and customized premium at Digit Insurance.
Commercial vehicle insurance 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 commercial vehicle insurance plan, including the appropriate add-ons that suit your needs and budget
Buy or Renew Policy
As per your chosen commercial vehicle insurance plan, you can buy or renew car insurance online instantly with Digit and renew your policy with minimal paperwork.
Pay Premium
After purchasing the policy, you have to pay regular payments or commercial vehicle 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.
Yes, as per the Motor Vehicles Act, it is compulsory for all vehicles driving on Indian roads to have at least an active Liability Only Policy in place that covers damages caused to third parties by your electric rickshaw. Without this, you would have to pay a penalty and can even be jailed.
However, if you have a business using multiple e-rickshaws or if you use e-rickshaw as a primary source of income then you should go for Standard Package Policy, as it covers damages caused to your own vehicle and the owner-driver in addition to third-party liabilities.
An electric auto rickshaw insurance policy is needed because of the reasons listed below:
It is mandatory for all e-rickshaw owners and for businesses that own e-rickshaws to buy a Third-party 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.
E-rickshaw insurance also helps the vehicle owner against any losses due to factors like accidents, thefts, fires, terrorist activities, natural calamities, and other unforeseen circumstances.
Having a policy ensures that you don’t face any unplanned losses or downtime.
An e-rickshaw insurance also assures that your customers/passengers that you’re a responsible business and are serious about your work.
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An e-rickshaw insurance policy offered by Digit covers the following:
The policy covers any damage caused to the e-rickshaw due to an accident.
If the accident of the e-rickshaw leads to injury or death of individuals travelling in it or driving it, the insurance policy will cover it.
Any damage caused to third parties will be covered under the policy, in case the damage is caused directly by the e-rickshaw.
Loss of the e-rickshaw due to theft is covered by Digit’s e-rickshaw insurance policy. It also covers damage caused to the vehicle due to the theft.
Damage caused to the e-rickshaw due to fire or natural calamities like earthquakes, floods, etc. are covered by the policy.
Now that you know what’s covered under the policy, let us look at what is not covered under Digit’s electric rickshaw insurance policy.
Digit offers the following 8 add-ons with the e-rickshaw insurance policy to provide enhanced protection for passenger carrying vehicles. Choose the ones most suitable for you to get better coverage.
Your e-rickshaw's bits and pieces, like the nuts and bolts, screws, and grease are covered under the consumable add-on in case they are damaged or lost in an accident.
This add-on offers you peace of mind by removing depreciation costs on the vehicle parts during claim settlements. So, you get a higher payout at the time of claim with Zero Dep add-on.
The key and lock replacement add-on covers the cost of replacing locks and keys, installing a new lock set etc., in the insured electric three-wheeler if its lockset is damaged or the keys are lost.
The breakdown assistance add-on has your back 24x7. It assists you in case your e-rickshaw breaks down on the road due to an accident, flat tires, malfunctioning battery, or other factors.
If you have incurred any loss of income when your e-rickshaw was not available when it was being repaired due to damage, then this add-on will compensate you for the amount.
Under this add-on, you will be compensated for the additional expenses incurred when your e-rickshaw is being towed from the spot of accident to the nearest garage or place of safety.
If your e-rickshaw is taken on a loan and is being repaired in a garage due to damage in an accident, it might cause a loss to your business. However, with this add-on, you will be paid regular EMIs payable to the financier of the vehicle recorded in our books.
Under return to invoice cover you will be compensated in case of a total loss/constructive loss or if your e-rickshaw is stolen. You will get the amount or a new electric auto at the prevailing ex-showroom price, which will be the same make, model, and variant. However, if it is discontinued, you will be paid the difference between the last available ex-showroom price and claim payable under OD section of the Base Policy.
Digit also offers optional covers for electric 3-wheeler insurance, which provide enhanced coverage to protect in all circumstances, including:
A personal accident cover protects the owner-driver against bodily injury or death in case of an accident. Also, it is mandatory by law in India, so if you don’t already have this cover get it with your e-rickshaw insurance policy plan.
E-rickshaw is a passenger carrying commercial vehicle, so, it becomes important to have this coverage to protect the passengers against injury, who might be sitting in the vehicle at the time of an accident.
This additional cover protects your e-rickshaw business against any legal liability that may arise due to an injury caused to your employees or someone who works for you.
Get this endorsement to cover for losses or damage to electric rickshaw’s lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork in all circumstances, even if the vehicle is partially damaged.
This add-on will cover damage or loss of any electrical accessories fitted in your e-rickshaw, which is not a part of the manufacturer’s model.
This add-on covers damage or loss of any non-electrical accessories fitted in your electric three-wheeler, which is not a part of the manufacturer’s model.
This cover helps reduce your premium as you are then required to pay only a certain amount as your share of the loss, called the compulsory deductible in case of any loss. The add-on also cover the loss or damage to lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork if your e-rickshaw is completely damaged.
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Damages caused by your e-rickshaw to any third-party person or property |
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Damages caused by your e-rickshaw to a third-party vehicle |
✔
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✔
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Loss or damages to your own electric rickshaw due to natural calamities, fire, theft or accidents |
×
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✔
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If the owner-driver of e-rickshaw doesn’t already have a Personal Accident cover in his name |
✔
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Here is the e-rickshaw insurance price list for third party plans in India. These prices are fixed by the IRDAI in 2024 for electric three-wheeler vehicles carrying passengers, with a capacity of up to six passengers.
Enter Vehicle Details
On the Digit App or website, enter the vehicle registration number and select the policy status.
Choose a Plan
Select the type of vehicle 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 commercial vehicle 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
At Digit, we believe filing a motor insurance claim should be simple, not stressful. That’s why we’ve built intelligent automation into every step of the process—so you can get back on the road, faster.
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In H2 FY25, our average vehicle repair approval time was 15 hours and 36 minutes, with 69% of approvals completed within 12 hours. Only 7.47% of cases experienced longer wait times, typically due to complex assessments or the need for additional documentation, highlighting our commitment to minimising delays and maximising efficiency.
Rest assured, we carefully monitor every step to ensure your vehicle is back on the road as swiftly as possible!
The below data is for all the products as given in the table below.
That’s how many times we showed up for our customers in FY 2024–25. Behind each of those numbers is a mishap, and we were right there, making sure things got sorted quickly.
Out of these, nearly ₹6.52 lakh were motor insurance claims alone—proof that we’re there when it matters most, whether it’s something trivial or serious.
From minor hiccups to major emergencies, we made sure our customers didn’t have to carry the financial burden alone. Quick settlements, zero confusion, and real peace of mind.
Of this, ₹2,199 crore was paid out under motor insurance, covering everything from accidents to unexpected situations like rat damage.
Out of 9.16 lakh claims in FY 2024–25, only 256 were escalated to the Hon’ble Ombudsman^. Out of which only 46# were escalated and ruled in favour of the customer. This significantly proves the claim's accuracy rate of 99.9950%.
For Motor Claims, out of 256 escalated claims for Digit, just 124 were motor-related. By year-end, 104 motor claims were closed, with 28 resolved through mediation. Only 26 health claim decisions went in favour of customers.
The below information is a summary of escalated claim cases reviewed by the Hon’ble Ombudsman in FY 2024–25.
Disclaimer: ^This data pertains to cases reported to various offices of the Hon’ble Insurance Ombudsman. Customers have the option to approach the Consumer forum as well; #Only includes complaints arising from claims. The company had a total of 11 complaints arising from non-claims, i.e., policy-related grievances (5 won, 2 settled, 1 lost, and 3 outstanding). One non-claim complaint where the decision went in favour of the complainant is not included in the numerator while calculating claims accuracy.
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 commercial vehicle.
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.
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Check these factors before buying e-rickshaw policy online as these will affect your e-rickshaw insurance price:
Model, Engine & Make of the Vehicle: The e-rickshaw insurance premium amount is largely determined by its make and model. So, check your electric rickshaw’s model and make, type of fuel, its manufacturing year, and other additional features to get an idea of the premium price.
Location: The place you register and choose to ride your e-rickshaw also affects the insurance premium. For example, if you drive in metropolitan cities with a lot of traffic and accident rates, you would be charged a higher premium, as compared to safer and smaller cities.
No-Claim Bonus: If you already have an insurance policy and want to do e-rickshaw insurance renewal online, then check your ncb before doing so. You might get your premium at a discounted rate if you haven’t filed a single claim in the previous policy term.
Type of Insurance Plan: The type of e-rickshaw insurance plan you opt for also determines its premium amount. A third-party policy is the most basic and affordable one, while the comprehensive policy will charge you more premium depending on various factors.
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Here is a list of the most popular electric three-wheelers in India in 2025:
Disclaimer: All the above prices are ex-showroom prices in Delhi and may differ in other cities.
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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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