Auto Rickshaw

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Auto rickshaw insurance is a type

of insurance that is specifically
designed to cover auto rickshaws,
which are also known as tuk-tuks
or three-wheeled taxis. This type
of insurance typically covers the
vehicle itself, as well as any liability
that the driver may have in the
event of an accident. It may also
provide coverage for medical
expenses, property damage, and
other costs associated with
accidents involving auto rickshaws.
In India, auto rickshaw insurance is
typically required by law, and
drivers must carry proof of
insurance in order to operate their
vehicles.

Auto Rickshaw
Insurance Price
Auto rickshaw
insurance price is
Rs. 5077+GST
for 1 year third
party policy while
comprehensive
or first party
insurance costs
about 15% more
than that of third
party premium.

Refer below table

for price list or
get an exclusive
auto rickshaw
insurance quote
from us now.

GET QUOTES

Auto Rickshaw
Insurance Price List
Most popular auto rickshaws in India &
their updated price list

AUTO RICKSHAW MODEL PREMIUM

Bajaj Maxima 5499

Piaggio Ape 5675

TVS King 5638

Mahindra Alfa 5947

Lohia Hamsafar 6285

Types Of Auto
Rickshaw Insurance
Plans
1. Third Party Auto Rickshaw
Insurance – In case of any accident, third
party policy protects auto rickshaw owner
from financial liabilities arising out of
damages to third party properties & due
to any injury or loss of lives in the
accident Third party auto rickshaw policy
does not covers the damages to your 3
wheeler auto and one can not claim for
the loss of the vehicle with third party
policy.

2. Comprehensive Or First Party

Insurance – Apart from covering all
things as mentioned above in third party
policy, comprehensive auto rickshaw
policy will also cover the damages to own
vehicle in case of any accident, theft, fire
or damages to the 3 wheeler auto
rickshaw by any external means.

Key Features Of An
Auto Rickshaw
Insurance

Key
Benefits
Features

Damages
TPPD cover up to 7.5 lac
to third
& Unlimited for liabilities.
party

Accidental
Up to sum insured.
Coverage

Theft Included in
Cover comprehensive policy.

5499 for third party

Price
policy

Whatʼs Covered In An
Auto Rickshaw
Insurance?
ACCIDENTS

Damages caused
to or by insured
auto rickshaw in
an accident are
covered in this
policy.

FIRE

Partial and total

loss of auto
rickshaw
because of fire.

THEFT

Loss of the
vehicle due to
theft incidents
are covered in
auto rickshaw
insurance policy.

NATURAL
CALAMITY

Any damage or
total loss of auto
rickshaw due to
natural calamity
such as floods,
lightning, storms
etc.

THIRD PARTY
LOSSES

Up to 7.5 lac third

party property
damage &
unlimited
coverage for
injury/death of a
third party
person.

Whatʼs Not Covered?

Following are the exclusions in a 3
wheeler auto rickshaw commercial
vehicle insurance policy coverage
• General Wear & Tear
• Any loss or damage to the insured
vehicle due to war, invasion or nuclear
warfare etc.
• Mechanical or electrical breakdown
• Any loss or damage caused outside the
geographical area of coverage as
mentioned in the policy.
• Usual depreciation of the value of the
vehicle.
• Driving without appropriate driving
license.
• Non-accidental losses.
• Any loss occurred to insured vehicle
while using the vehicle for racing or any
illegal purposes.
• Any losses occurred while drunk driving
of an auto rickshaw

How To Buy/Renew
Auto Rickshaw
Insurance Online

Follow these simple steps to buy or

renew insurance for your auto rickshaw
online

1. Enter auto rickshaw details such as

registration number, manufacturing
year, sitting capacity to get quotes
online.
2. Compare from multiple quotes
which are available online.
3. Select the plan as per your need and
proceed to buy.
4. Fill up your communication details to
receive physical copy of your
insurance certificate.
5. Download soft copy which will be
generated instantly after successful
payment.

Add-On Covers
Available For Auto
Rickshaw Insurance
Add-on covers improve the level of
inclusion of your vehicle protection in
exchange for a higher premium. The
following are the most common add-on
coverage choices provided by the top
vehicle insurance packages for auto
rickshaws :-

Zero Depreciation Cover For Auto

Rickshaw – In the case of an
accident, the depreciation value of
your insured auto rickshaw will not
be considered, and the insurance
provider will reimburse you for the
entire cost at the time of claim
settlement.

Engine Protector Cover For Auto

Rickshaw – This add-on covers any
damage to the vehicle’s engine
or/and its parts caused by water
ingression, lubricating oil leakage,
damage to the hydrostatic lock, and
damage to engine parts such as the
gearbox, crankshaft, cylinder,
connecting rods, pistons, etc.

Personal Accidents Cover For

Auto Driver – It provides coverage
to the owner/driver per the norms of
the policy.

Accessories Cover For 3 Wheeler

Auto Rickshaw Insurance- The
accessories cover add-on will cover
your expensive electrical and non-
electrical auto rickshaw accessories
like music system from loss or
damage.

Roadside Assistance Coverage –

 With this coverage a professional
technician comes to your rescue
when your auto rickshaw breaks
down in the middle of the street
leaving you stranded. It can provide
benefits such as – minor repairs,
towing services, battery breakdown,
fuel delivery etc.

Benefits Of Buying
Auto Rickshaw
Insurance Online
1. Multiple quotes at one place
2. Instant comparison of coverage as
per your need.
3. No Claim Bonus benefit
4. Discounted own damage premiums
5. Zero depreciation, IMT23, Free
roadside assistance add-ons.

How To Register An
Auto Rickshaw Claim
Steps to file a claim in auto rickshaw
insurance policy

Inform the insurance company about

the incident involving your 3 wheeler
auto
The insurance provider will make a
physical inspection of your auto
rickshaw
Network garage will make the repair
work evaluation.
The insurer will approve the repair
following the repair work at the
network garage.
After repairs, the invoice is
submitted to the insurance provider.
Fill up the claim form and submit all
the other required documents.
The bill will be settled directly with
the network garage.

List Of Documents
Required For The
Claim
Copy of Registration Certificate (RC)
of three wheeler
Original loss estimate
Original repair bill or invoice
Repair bill payment receipt
Police FIR (in case of third party
liabilities)
Vehicle’s keys (in case of theft)
Non-traceable certificate (in case of
theft) 

Frequently Asked
Questions
What is the price for an auto rickshaw
insurance?

Auto Rickshaw 1 Year Insurance price is

₹6499 for third party insurance.
Click here to get quotes or buy online

Which insurance is best for an auto

rickshaw?

For an auto rickshaw which is used for

everyday public transportation, a
comprehensive policy is best since auto
rickshaws are very much prone to road
accidents due to traffic and a
comprehensive policy covers losses to
third parties as well as your auto rickshaw
in the case of an accident.

How to renew three wheeler policy

online?

Step 1. Upload RC or Existing Insurance

Copy to check quotes
Step 2. Get Auto Rickshaw quote
comparison online.
Step 3. Select the quote as per your need
and buy/renew online.
Step 4. Receive/Download the auto
rickshaw insurance policy online.

How much is auto rickshaw insurance

amount?

Insurance amount for an auto rickshaw

with seating capacity of 3+1 is
₹6311+GST for a third party liability only
policy.

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