Auto Rickshaw Third Party Insurance

What is an Auto Rickshaw Insurance?
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.

Why should I buy Auto Rickshaw Insurance?
If you or your organization owns auto-rickshaws, it is mandatory by law to at least buy a Liability Only Policy in place. This will financially cover you and your business in case your rickshaw (s) causes damages and losses to third-party property, person or vehicle.

If you use your auto rickshaw as a primary part of your business, it's advised to purchase a standard or comprehensive package policy as it will protect your auto and the owner-driver from any losses caused due to natural calamities, accidents, terrorist activities, fires, thefts and malicious acts, among other unforeseen circumstances.

An auto-rickshaw that comes with a valid insurance also assures your customers/passengers that you're a responsible business and are serious about your work.

An insured auto-rickshaw ensures your business doesn't face any unplanned losses or downtime, which means you can instead spend your money and time towards other aspects of your business.

Why Choose Auto Rickshaw Insurance by Digit?
Widespread garages: 1400+ Cashless Network Garages for you to choose from across India

80% Advance Payment for Repairs: If you can't find any cashless garages nearby, we will pay 80% Advance payment to the garage of your choice.

Doorstep Pickup & Repair: Doorstep pickup, repair and drop with 6 months repair warranty - for repairs at our network garages

High IDV per rupee: With us, you can customize your IDV as per your choice!

What's Covered in a Auto Rickshaw Insurance?
Accidents: Damages caused to your auto rickshaw in case of an accident.

Theft: Loss or damage of your auto rickshaw due to theft.

Fire: Damages caused to your auto rickshaw due to a fire.

Natural Disasters: Damages caused to your auto rickshaw due to any natural calamity.

Personal Accident: If your auto rickshaw meets with an accident, leading to an injury or death of you or the driver using it.

Third Party Losses: Any damages caused by your auto rickshaw to a third party or its passengers.

Towing Disabled Vehicles: Any damages caused to your auto rickshaw in cases where it's being towed.

What's not covered?
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:

Own Damages for Third-Party Policy holder: In the case of a Third-Party Liability Only Policy, damages to own vehicle won't be covered.

Drunk Riding or without a Licence: If the owner-driver of the insured auto-rickshaw is drunk or driving without a valid license

Contributory Negligences: Any damage caused due to a contributory negligence of the owner-driver (such as driving when there's an existing flood)

Consequential Damages: Any damage that is not a direct result of the accident/natural calamity etc.