Auto Rickshaw Insurance provides financial protection for auto rickshaws used for commercial passenger transport. It covers losses due to accidents, theft, natural calamities, and third-party legal liabilities.

Auto rickshaw insurance is mandatory by law and helps ensure uninterrupted daily earnings.

With My Insurance Sathi, you get expert guidance, suitable coverage options, and full support from policy purchase to claim settlement.

🔹 What Is Auto Rickshaw Insurance ?

Auto Rickshaw Insurance is a type of commercial vehicle insurance designed for three-wheelers used to carry passengers for hire or reward. Coverage is provided as per policy terms and conditions.

🔹Types of Auto Rickshaw Insurance

• Comprehensive Auto Rickshaw Insurance
• Covers damage to your own auto rickshaw
• Covers third-party injury or property damage
• Protection against accidents, theft, fire, and natural calamities
• Recommended for complete protection

🔹Third-Party Auto Rickshaw Insurance

• Covers legal liability for injury, death, or property damage to a third party
• Mandatory as per law
• Does NOT cover damage to your own auto rickshaw
• Standalone Own Damage Policy
• Covers damage to your own auto rickshaw only
• Available if a valid third-party policy already exists

🔹What Is Covered

• ✔ Accidental damage to the insured auto rickshaw
• ✔ Theft or burglary
• ✔ Fire, explosion, and self-ignition
• ✔ Natural calamities such as flood, earthquake, cyclone
• ✔ Riots, strikes, and malicious acts
• ✔ Third-party property damage
• ✔ Third-party injury or death

🔹What Is Not Covered

• ✖ Driving under the influence of alcohol or drugs
• ✖ Driving without a valid driving license or permit
• ✖ Normal wear and tear
• ✖ Mechanical or electrical breakdown
• ✖ Overloading beyond permitted limits
• ✖ Damage after policy expiry

🔹Add-On Covers (Optional)

• Zero Depreciation Cover
• Engine & Gearbox Protection
• Roadside Assistance
• Legal Liability for Paid Driver
• Passenger Cover (as applicable)
• IMT Endorsements (as applicable)
• (Add-ons help reduce out-of-pocket expenses during claims)

🔹Benefits of Auto Rickshaw Insurance

• ✔ Protects daily income from unexpected losses
• ✔ Mandatory under motor vehicle laws
• ✔ Covers third-party legal liabilities
• ✔ Access to network garages for repairs
• ✔ Peace of mind while operating the vehicle

🔹Why Choose My Insurance Sathi

• Expert insurance guidance
• Multiple insurer options
• Transparent process
• Fast policy issuance
• Renewal reminders
• Complete claim assistance

🔹Documents Required

• Registration Certificate (RC)
• Commercial permit (if applicable)
• Previous insurance policy (for renewal)
• Owner and vehicle details
• KYC documents

🔹How to Buy or Renew

• Share auto rickshaw details
• Get suitable insurance options
• Choose coverage and add-ons
• Make secure payment
• Receive policy instantly via WhatsApp or Email
• Who Should Buy Auto Rickshaw Insurance?
• Auto rickshaw owners
• Passenger auto drivers
• Fleet owners
• Commercial three-wheeler operators

🔹Get Started Today

• Get Instant Quote
• Check Policy Options
• Renew Auto Rickshaw Policy
• Chat on WhatsApp
• Talk to an Insurance Expert