Auto Rickshaw Insurance Price – Buy/ Renew Policy Online

auto rickshaw insurance

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.

auto rickshaw insurance 1 year price

Auto Rickshaw Insurance Price List

Most popular auto rickshaws in India & their updated price list

Bajaj Maxima5499
Piaggio Ape5675
TVS King5638
Mahindra Alfa5947
Lohia Hamsafar6285

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 FeaturesBenefits
Damages to third partyTPPD cover up to 7.5 lac & Unlimited for liabilities.
Accidental CoverageUp to sum insured.
Theft CoverIncluded in comprehensive policy.
Price5499 for third party policy

What’s covered in an auto rickshaw insurance?

coverage against accidental damages to auto


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


Partial and total loss of auto rickshaw because of fire.

Auto rickshaw policy cover fire damages
protects your auto rickshaw from theft losses


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


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

three wheeler insurance provide cover from natural calamity damages
covers financial liabilities due to third party property damages, deaths.


Up to 7.5 lac third party property damage & unlimited coverage for injury/death of a third party person.

What’s 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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