E-Rickshaw Insurance

Commercial Vehicle Insurance for your E-Rickshaw/Auto Rickshaw

I agree to the Terms & Conditions

Don’t have Reg num?
It’s a brand new vehicle

Buy/Renew E-Rickshaw Insurance Online in India 2024

What is E-Rickshaw Insurance?

Is Having E-Rickshaw Insurance Mandatory?

Why Should You Get E-Rickshaw Insurance?

Why Choose E-Rickshaw Insurance by Digit?

We treat our customers like VIPs, know how…

Customize your Vehicle IDV

Customize your Vehicle IDV

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

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Super-Fast claims

Smartphone enabled self-inspection processes takes minutes!

What's Covered in E-Rickshaw Insurance?

An e-rickshaw insurance policy offered by Digit covers the following:

Damage incurred due to accidents

Damage incurred due to accidents

The policy covers any damage caused to the e-rickshaw due to an accident.

Personal accident

Personal 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.

Loss suffered by third parties

Loss suffered by third parties

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.

Fire and natural calamities

Fire and natural calamities

Damage caused to the e-rickshaw due to fire or natural calamities like earthquakes, floods, etc. are covered by the policy.

What’s Not Covered?

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.

Consequential damages

Any damage to the e-rickshaw that is not a direct result of the accident or natural calamity is not covered by the policy.

Driving without license or when drunk

If the person is driving the vehicle without a valid license or when drunk, the damage caused to the e-rickshaw will not be covered.

Outside Geographical Area

Any accidental loss or damage and/or liability caused, sustained or incurred outside the geographical area.

Contractual Liability

Any claim arising out of any contractual liability.

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 E-Rickshaw Insurance

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.

Consumable Cover icon

Consumable Cover

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.

Parts Depreciation Protect

Zero Depreciation

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.

Key and Lock Replacement icon

Key and Lock Replacement

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.

Breakdown Assistance icon

Breakdown Assistance or Roadside Assistance

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.

Loss of Revenue icons

Loss of Revenue

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.

Additional Towing Expenses

Additional Towing Expenses

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.

EMI Protection Cover

EMI Protection Cover

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.

Return to Invoice Cover icon

Return to Invoice

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.

Additional Coverages or Endorsements Available

Digit also offers optional covers for electric 3-wheeler insurance, which provide enhanced coverage to protect in all circumstances, including:

PA cover icon

Personal Accident Cover

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.

unnamed pa cover cv icon

Unnamed PA Cover

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.

Legal Liability icon

Legal Liability

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.

IMT 23

IMT 23

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.

Electrical Accessories icon

Electrical Accessories

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.

Non-Electrical Accessories icon

Non-Electrical Accessories

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.

Special Exclusions & Compulsory Deductibles icon

Special Exclusions & Compulsory Deductibles

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.

Key Features of e-Rickshaw Insurance by Digit

Key Features Digit Benefit
Premium  Starting from ₹1539 
Claim Process  Paperless Claims 
Customer Support  24x7 Support 
Additional Coverage  PA Covers, Legal Liability Cover, Special Exclusions and Compulsory Deductibles, etc. 
Damages to Third-Party  Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages 

Third-Party vs Comprehensive Auto Rickshaw Insurance

Liability Only

Standard Package


Third Party Premiums for E-Rickshaws

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.

Segment Premium Rate (effective January 2024)
Basic Premium  ₹1,539 
For Each Passenger  ₹737 

How to Buy E-Rickshaw Insurance Online with Digit?

Step 1

On the Digit app or website, enter your electric 3-wheeler's registration number, mobile number, and click on ‘View Prices.’

Step 2

Select the plan, add-ons and IDV, and click on ‘Continue.’

Step 3

Enter your personal, nominee and vehicle details and click on ‘Pay Now.’

Step 4

Complete the payment and mandatory KYC verification process.

Step 5

You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

Documents Required to Buy E-Rickshaw Insurance Online

How to File a Claim with Digit?

To file a claim against e-rickshaw insurance online, follow these steps:

Step 1

Inform your insurer as soon as possible by calling Digit on 1800-258-5956 or dropping an email at hello@godigit.com.

Step 2

Keep your details handy such as policy number, location of the accident, date and time of the accident, and contact number of the insured/caller to make the process easier.

Step 3

Present the required documents required to file the claim and wait for the insurers to verify the details. Upon verifying, your claim will be processed.

How to Renew E-Rickshaw Policy with Digit?

Step 1

Go to Digit App or website and click on the ‘My Policy’ tab.

Step 2

Select the policy pending for tractor insurance renewal and click on ‘Renew Policy.’

Step 3

Now select the plan, IDV, add-ons and confirm the details, then click on ‘Pay Now.’

Step 4

You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

How to Download Your E-Rickshaw Insurance Policy on Digit App?

How to Choose the Right E-Rickshaw Insurance Policy?

Factors Affecting E-Rickshaw Insurance Premium

Electric Auto Rickshaws in India in 2024

Here is a list of the most popular electric three-wheelers in India in 2024:

Name of the Model  Ex-showroom Price
Saarthi DLX  ₹90,000 
Atul Elite Plus  ₹1.12 Lakh 
Kinetic Safar Smart  ₹1.45 Lakh 
Lohia Narain DX  ₹1.65 Lakh 
Lohia Humsafar IAQ  ₹1.80 Lakh 
Mahindra e-Alfa Super  ₹1.82 Lakh 
Piaggio Ape e-city  ₹1.95 Lakh 
Mahindra Treo Yaari  ₹1.96 Lakh 
Bajaj RE E TEC 9  ₹3.07 Lakh 

Disclaimer: All the above prices are ex-showroom prices in Delhi and may differ in other cities.

Report Card

How fast are Digit Insurance Claims Settled?

This is the first question that should come to your mind when switching your insurance company. Good you’re doing that!

Read Digit’s Claims Report Card

What our customers have to say about us

Vikas Thappa

I had a wonderful experience while prossesing my vehicle insurance with Digit Insuarnce . It is so customer friendly equipped with apt technology. Claim got resorted within 24 hrs even without physically meeting any person. The customer centers handled my calls well. My special recognition to Mr Ramaraju Kondhana who was handled the case in a excellent way.

Vikrant Parashar

Really an fab insurance company which declared the highest idv value n staff is really courteus n i m totally complacent with the staff n specially credit goes to uves farkhun who timely infork me about various offers n benifits which push me to buy policy only from digit insurance n now i have decided to buy policy of another vehicle from digit insurance only bcs of many factors lyk cost-related and service-related.

Siddharth Murthy

It was a good experience of buying my 4th Vehicle insurance from Go-digit. Ms. Poonam devi explaining the policy well, as well as she knew what was the expectation from the customer and gave the quote according to my needs. And it was Hassle free to make the payment online. Special thanks to Poonam for getting this done Asap. Hope the Customer relationship team become better day by day!! Cheers.

Show more

FAQs about E-Rickshaw Insurance