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As the name suggests, an auto rickshaw insurance is a type of commercial vehicle insurance policy designed to protect and suit the needs of a three-wheeler in India.
It’s mandatory for all auto owners to at least have a third-party auto rickshaw insurance to financially protect them from third-party liabilities and even, better to have a comprehensive auto rickshaw policy to cover for own damages that can be caused due to accidents, collisions, natural calamities, fires and other such mishaps.
Digit Insurance provides auto owners with both such policies at, affordable and customized premium prices.
We treat our customers like VIPs, know how…
It is equally important to know what’s not covered in your auto rickshaw insurance policy so that there are no surprises when you make a claim. Here are some such situations:
Key Features |
Digit Benefit |
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 |
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.
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 |
×
|
✔
|
Injury/death of owner-driver If the owner-driver doesn’t already have a Personal Accident cover in his name |
✔
|
✔
|
Call us at 1800-258-5956 or drop us an email at hello@godigit.com
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.
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
Under Digit’s Commercial Vehicle Package Policy, we cover all kinds of autorickshaws such as:
Yes, according to the Motor Vehicles Act in India, it is compulsory for all vehicles to have at least a Liability Only Policy in place. Without this, it would be illegal to ride an auto rickshaw in India.
However, if you’re using your auto rickshaw as a primary source of income or, as part of a business, then it is advised to have the Standard Package Policy, as that not only covers the damages caused to third parties by your auto rickshaw but, also covers for damages caused to your own vehicle and the owner-driver.
The main difference between the two is that, an auto is primarily being used for commercial purposes and carries several numbers of passengers in a day. Moreover, what makes an auto insurance different from other commercial vehicle insurances, is that it’s generally smaller in size and is therefore less risky. This is also why you may find that a commercial vehicle insurance for an auto rickshaw would be a lot cheaper than one of a truck or a bus.
Given the number of options available today, it is important to pick an insurance that is simple, reasonable, protects and covers you and your business in all possible situations and most importantly, guarantees to settle claims as soon as possible. After all, that’s the most important part of an insurance!
Here are a few tips that will help you pick the right motor insurance for your three-wheeler:
It can be tempting to pick the cheapest auto rickshaw insurance available. However, while comparing different auto insurance quotes, consider factors such as service benefits and claim settlement periods.
Weighing in important factors is important to ensure your three-wheeler and business are safeguarded against all the odds:
Following are the factors that will affect your Auto Rickshaw Insurance Premium?