As a 3 wheeler driver in India, you're not just navigating the bustling streets; you're also carrying the responsibility for your passengers' safety and your livelihood. Auto rickshaw insurance acts as a safety shield, protecting you from unforeseen events that could disrupt your life. Here, we'll break down everything you need to know about auto-rickshaw insurance, its types, coverage, and why you should choose Policy.Online for a seamless and worry-free experience.

What is Auto Rickshaw Insurance?

Auto rickshaw insurance is a specialized policy that offers financial protection to auto-rickshaw owners and drivers against various risks. Whether it's an accident, theft, fire, or natural disaster, this policy provides you with the peace of mind to navigate the roads with confidence.

Types of Auto-Rickshaw Insurance Policies

Third-Party Auto Rickshaw Insurance

This type of policy is mandatory by law in India. It covers damages or injuries caused to third parties in accidents involving your auto-rickshaw. If you're at fault in an accident, this insurance takes care of the third party's medical expenses and property damage.

Comprehensive Auto Rickshaw Insurance

While third-party insurance covers the other party, comprehensive insurance goes the extra mile. It not only takes care of third-party liabilities but also provides protection for your own auto-rickshaw. This means damages to your vehicle due to accidents, theft, fire, or natural disasters are covered.

Is it Mandatory to Buy Auto Rickshaw Insurance in India?

Yes, it is mandatory to have at least third-party auto rickshaw insurance in India. Driving without policies can lead to hefty fines and legal consequences. Moreover, third-party insurance ensures that you don't bear the financial burden of third-party damages in case of an accident.

Auto Rickshaw Insurance Price

The cost of three wheeler auto rickshaw insurance varies depending on several factors, including the type of policy, the age and make of your auto-rickshaw, your location, and your driving history. While comprehensive insurance is more expensive than third-party insurance, it offers broader coverage and better protection.

Why Choose Auto Rickshaw Insurance from Policy.Online?

Easy and Fast Online Process

At Policy.online , getting auto rickshaw insurance is a breeze. With a few simple steps, you can compare policies, get quotes, and purchase your preferred insurance online without any hassle.

Affordable Premiums

We understand the importance of affordable insurance. We offer competitive premiums tailored to suit your budget and coverage needs.

Customer Support

Our dedicated support team is always ready to assist you with any queries or concerns, making your cover journey smooth and stress-free.

Wide Range of Options

Policy.Online partners with leading policy providers, offering you a wide range of options to choose from. You can find the perfect policy that aligns with your requirements.

What's Covered in an Auto Rickshaw Insurance?

3 wheeler insurance provides comprehensive coverage, protecting you and your vehicle from various risks, including:

Accidents: Coverage for damages to your auto-rickshaw resulting from accidents.

Theft: Compensation in case of theft or total loss of your auto-rickshaw.

Fire: Protection against damages caused by fire incidents.

Natural Disasters: Coverage for damages caused by natural calamities like floods, earthquakes, cyclones, etc.

Personal Accident: Financial support in case of injuries or death of the auto-rickshaw owner/driver.

Third Party Losses: Protection against legal liabilities arising from injuries or property damage to third parties.

Towing Disabled Vehicles: Reimbursement for expenses incurred in towing a disabled auto-rickshaw.

What's not covered?

While auto rickshaw insurance offers extensive coverage, there are certain exclusions:

Own Damages for Third-Party Policy Holder: If you have a third-party insurance policy, damages to your own auto-rickshaw are not covered.

Drunk Riding or without a License: Any damages or accidents occurring while driving under the influence of alcohol or without a valid driver's license are not covered.

Contributory Negligences: If the driver is found to be at fault or contributed to the accident intentionally, the claim may get rejected.

Consequential Damages: Damages occurring as a consequence of wear and tear or mechanical failures are typically not covered.

Conclusion

Auto rickshaw insurance is not just a legal obligation; it's a crucial investment in your safety and livelihood. With Policy.Online, you can easily find the perfect policy that fits your budget and requirements. Drive with confidence, knowing that you are protected from the uncertainties of the road. Get your auto-rickshaw insured today and embark on a worry-free journey.