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What is E-Rickshaw Insurance?
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 electric auto rickshaw insurance policy is needed because of the reasons listed below:
It is mandatory for organizations 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.
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.
Why Choose E-Rickshaw Insurance by Digit?
What's Covered by E-Rickshaw Insurance?
What’s not covered?
Now that you know what’s covered under the policy, let us take a look at what is not covered under Digit’s electric rickshaw insurance policy.
Any damage to the e-rickshaw that is not a direct result of the accident or natural calamity is not covered by the policy.
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.
Any accidental loss or damage and / or liability caused, sustained or incurred outside the geographical area.
Any claim arising out of any contractual liability.
Features of E-rickshaw insurance offered by Digit
Digit’s Electric auto rickshaw insurance policy has the following features -
The insurer 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.
Types of E-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 owner-driver as well.
| Liability Only | Standard Package |
Damages caused by your auto rickshaw to any third-party person or property |
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Damages caused by your auto rickshaw to a third-party vehicle |
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Loss or damages to your own auto rickshaw due to natural calamities, fire, theft or accidents |
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Injury/death of owner-driverIf the owner-driver doesn’t already have a Personal Accident cover in his name |
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| Get Quote | Get Quote |
Types of E-rickshaw insurance plans offered by Digit
For electric rickshaw, 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.
What our customers have to say about us
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.
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.
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.
FAQs about E-rickshaw insurance
What is insured declared value?
The amount which you are eligible to get the coverage for is known as the insured declared value of the insurance policy.
Will the insurer proceed with the claim process and compensation even if the required documents are not submitted?
To get the claims settled, you need to submit all the documents. Until that is done, the claim settlement process won’t be initiated by the insurer.
Are passengers in an e-rickshaw covered in both standard and liability only e-rickshaw insurance policy?
Yes, since passengers are considered third-party, they are covered.
Does no-claim bonus affect the premium payable for the policy?
Yes, no-claim bonus does affect the premium.
Is it compulsory to have electric auto rickshaw insurance?
Yes, as per the Motor Vehicles Act, it is mandatory to have e-rickshaw insurance. You need to have at least a liability only policy to ride an e-rickshaw in the country.