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Auto Rickshaw Insurance
Auto rickshaw insurance is a mandatory commercial vehicle insurance policy designed for 3 wheeler / three wheeler vehicles used for passenger transport, logistics, delivery, and small businesses across India. Whether you own a Bajaj RE, Piaggio Ape, TVS King, or Mahindra Treo e (electric) auto, having the right auto rickshaw insurance policy protects you from legal, financial, and operational risks.
At PolicyLegit, you can check, compare, and buy auto rickshaw insurance online at a low premium. You can compare plans from leading companies like ICICI Lombard, Tata AIG, HDFC ERGO, IFFCO Tokio, Reliance, Shriram, Royal Sundaram, United India, National Insurance, Digit, ACKO General Insurance, Bajaj Allianz (Allianz), and other private and national insurance company options โ without relying only on platforms like Policylegit.
Commercial Vehicle Insurance Plans starting#1
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Claim Benefits
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
#1 Insurance premiums shown are indicative and vary by vehicle type, age, city, add-ons, and insurer. Third-party premiums are IRDAI-regulated and uniform across all insurers. Policylegit does not endorse any specific insurer or product. Plans shown are from Policylegit's insurer partners. For the complete list of IRDAI-registered insurers, visit www.irdai.gov.in
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Vehicle Insurance
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#1 Insurance premiums shown are indicative and vary by vehicle type, age, city, add-ons, and insurer. Third-party premiums are IRDAI-regulated and uniform across all insurers. Policylegit does not endorse any specific insurer or product. Plans shown are from Policylegit's insurer partners. For the complete list of IRDAI-registered insurers, visit www.irdai.gov.in
Auto Rickshaw & Related Models โ Insurance Price List
Auto rickshaws are a vital part of urban and semi-urban transport in India. Used for passenger, cargo, and last-mile delivery services, these 3 wheeler commercial vehicles require proper insurance to protect drivers, passengers, vehicle, and daily earnings.
With frequent city operations and high-risk exposure, auto rickshaw bima is crucial for financial security and legal compliance.
Auto Rickshaw Insurance Price List 2026
Here is the Auto Rickshaw Insurance Price List 2026 โ Bajaj, CNG, 3-Wheeler & E-Auto
| Auto Rickshaw Model | Third Party (1 Year) | Full Insurance |
| Piaggio Ape / City / Xtra | โน4,499 โ โน8,000 | โน7,000 โ โน10,500 |
| Mahindra Alfa / Max / Jeeto Rickshaw | โน5,000 โ โน9,000 | โน7,500 โ โน11,500 |
| Electric Auto Rickshaw | โน5,500 โ โน9,500 | โน8,000 โ โน12,500 |
| Related 3-Wheelers / Cargo Rickshaws | โน4,500 โ โน10,000 | โน7,000 โ โน13,000 |
Note: Final insurance price, premium amount, and rate depend on vehicle type, IDV, city, fuel type (Petrol / CNG / Electric), age, add-ons, NCB, and insurer selection. You can use an insurance calculator online to check exact premium cost.
Bajaj Auto Rickshaw Insurance Price List 2026
Bajaj is India's largest three-wheeler manufacturer. Here is the complete Bajaj auto rickshaw insurance price list for 2026:
| Model | Third Party (1 Year) | Comprehensive |
| Bajaj RE Compact | โน6,500 โ โน9,500 | โน8,000 โ โน12,000 |
| Piaggio Ape / City / Xtra | โน7,000 โ โน10,500 | โน4,500 โ โน8,000 |
| Bajaj RE Maxima | โน7,500 โ โน11,500 | โน9,000 โ โน14,000 |
| Bajaj RE 4S Stroke | โน8,000 โ โน12,500 | โน9,000 โ โน15,000 |
| Bajaj Maxima C | โน7,000 โ โน13,000 | โน11,000 โ โน17,000 |
| Bajaj RE CNG | โน8,000 โ โน12,500 | โน9,000 โ โน13,500 |
Note: Final insurance price, premium amount, and rate depend on vehicle type, IDV, city, fuel type (Petrol / CNG / Electric), age, add-ons, NCB, and insurer selection. You can use an insurance calculator online to check exact premium cost.
Why Bajaj auto rickshaw owners choose PolicyLegit
- Compare plans from 20+ IRDAI-approved insurers in one place
- Instant policy โ get your certificate in under 5 minutes
- Renewal without physical inspection for most cases
- Dedicated claim support team for auto rickshaw owners
- CNG kit coverage included when declared at time of purchase
CNG Auto Rickshaw Insurance Price 2026
CNG auto rickshaws are the most common three-wheelers in Indian cities. For insurance purposes, CNG autos are treated the same as petrol variants under IRDAI tariff โ the third-party premium is also similar to petrol variants.
However, for comprehensive insurance, CNG kit adds to the IDV, which slightly increases the own-damage premium. Always declare your CNG kit to the insurer to ensure full coverage.
Does CNG kit damage get covered under auto rickshaw insurance?
Yes โ if you declare the CNG kit at the time of buying insurance, damage to the CNG kit is covered under comprehensive insurance. The kit's value is added to the IDV of the vehicle.
Types of Auto Rickshaw Insurance Policies Available
Third-Party Liability Insurance
- Mandatory as per Motor Vehicles Act
- Covers injury, death, or property damage to third parties
- Does not cover damage to your own rickshaw
Comprehensive Insurance (Highly Recommended)
- Covers third-party liability + own vehicle damage
- Covers accidents, fire, theft, floods, natural disasters
- Ideal for auto rickshaw owners providing daily commercial services
Standalone Own-Damage Insurance
- Covers only damage to your auto rickshaw
- Requires active third-party insurance
Add-Ons / Riders for Enhanced Protection
- Zero Depreciation Cover
- Engine & Gearbox Protection
- Roadside Assistance
- Passenger Liability Cover
- Return to Invoice
- Electrical / Battery Protection (for e-autos)
Add-ons slightly increase premium but greatly reduce out-of-pocket expenses during claims.
Auto Rickshaw Insurance Price โ Premium & Cost Factors
Key Factors Affecting Insurance Cost
- IDV (Insured Declared Value)
- City / RTO Zone
- Vehicle Age & Fuel Type (Petrol / CNG / Electric)
- No Claim Bonus (NCB) โ Up to 50% discount
- Commercial Usage Type (Passenger / Cargo)
- Add-ons & Coverage Selected
- Claim History & Driver Profile
Premium varies depending on insurer like ICICI Lombard, Tata AIG, HDFC ERGO, IFFCO Tokio, Shriram General, Reliance General, Royal Sundaram, Digit, ACKO, United India, National Insurance Company, etc.
Auto Rickshaw Insurance Renewal โ Simple Online Process
Renew your Auto Rickshaw insurance in 5 easy steps:
- Enter your vehicle number
- Compare renewal quotes instantly
- Select coverage & add-ons
- Make secure online payment
- Download renewed policy instantly
Renew before expiry to avoid inspection delays, penalties, and NCB loss.
Renew Your Auto Rickshaw Insurance on Time
Policies should be renewed through the official PolicyLegit website to avoid lapse and higher renewal cost. Whether you are searching for auto rickshaw insurance price list, premium amount, third party rate, first party policy cost, best insurance company, ACKO insurance, ICICI Lombard policy, Tata AIG general insurance, HDFC ERGO, IFFCO Tokio, Reliance, Shriram, Royal Sundaram, United India, National Insurance, or comparing with Policybazaar / Insurance Bazaar โ always choose a trusted platform.
Protect your 3 wheeler auto rickshaw today with the right commercial insurance policy at the best premium.
Commercial Vehicle Insurance
Types of Vehicles insured in Commercial Vehicle Insurance Policy
Commercial vehicles are an essential mode of transportation and are heavy-duty vehicles used daily to carry out tasks. Some of the most common commercial vehicles are:
These commercial vehicles transport goods within the city/cities and from one state to another, as well as for intercity passenger tours and travel.
Coverage Under Commercial Vehicle Insurance
- Losses due to riots, strikes, natural calamities such as earthquakes, hurricanes, cyclones, etc, are covered
- Damages to the vehicle arising out of fire, self-ignition and explosion
- Partial or total loss to the insured vehicle due to theft, housebreaking, and burglary
- Loss or damage caused to the third-party property, vehicle, bodily injuries and death of the third person.
- Damages arising out of road accidents or collisions are also covered.
- Wear and tear/depreciation of the commercial vehicle.
- Losses incurred during a civil war, nuclear perils.
- Contractual liabilities of the owner/driver of the insured commercial vehicle are also not covered.
- The occurrence of an accident while driving with an invalid driving license or under the consumption of alcohol.
- Using a vehicle in accordance with 'limitations as to use', for instance, a private car is used as a taxi.
- Electrical and mechanical breakdown, breakage or failure of the insured vehicle.
List of Auto Rickshaw Commercial Vehicle Insurance Companies in India 2026
Following is the list of general insurance companies that offer commercial vehicle insurance:
| Insurer Name | Passenger Carrying Vehicle Insurance | Goods Carrying Vehicle Insurance | Miscellaneous Vehicle Insurance |
| Bajaj Allianz Commercial Vehicle Insurance | No | Yes | No |
| Godigit Commercial Vehicle Insurance | Yes | Yes | Yes |
| New India Assurance Commercial Vehicle Insurance | Yes | Yes | No |
| Reliance General Commercial Vehicle Insurance | Yes | Yes | Yes |
| SBI General Commercial Vehicle Insurance | Yes | Yes | Yes |
| Shriram General Commercial Vehicle Insurance | Yes | Yes | No |
| United India Commercial Vehicle Insurance | Yes | Yes | No |
| Zuno Commercial Vehicle Insurance | Yes | Yes | No |
*Disclaimer: The table mentioned above is according to the alphabetical order of the insurance company. Policylegit does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policylegit. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Explore More Under Commercial Vehicle Insurance
- Commercial Vehicle Third Party Insurance
- Commercial Vehicle Insurance Companies
- Tractor Insurance
- Truck Insurance
- Pick Up Van Insurance
- School Bus Insurance
- Goods Carrying Vehicleย Insurance
- Passenger Carrying Insurance
- Auto-Rickshaw Insurance
- E-rickshaw Insurance
- Bus Insurance
- Tempo Traveller Insurance
- Trailer Insurance
- Tipper Insurance
- Heavy Truck Insurance
- Tanker Insurance
- Bulker Insurance
- Taxi Insurance
What is Auto Rickshaw Insurance?
Auto Rickshaw Insurance is a mandatory commercial vehicle insurance policy that protects three-wheeler vehicles used for passenger or cargo transport against accidents, theft, natural calamities, and third-party liabilities.
Is Auto Rickshaw Insurance mandatory in India?
Yes. As per the Motor Vehicles Act, third-party auto rickshaw insurance is compulsory for all commercial three-wheelers operating on public roads.
What does Auto Rickshaw Insurance cover?
It covers third-party injury or property damage, accidental damage to the vehicle, theft, fire, and natural disasters. Comprehensive plans also cover own-damage losses.
What is the difference between third-party and comprehensive auto rickshaw insurance?
Third-party insurance covers legal liabilities only, while comprehensive insurance covers both third-party liabilities and damage to your own auto rickshaw.
Does Auto Rickshaw Insurance cover passengers?
Yes. Passenger liability cover can be included to protect against injury or death of passengers travelling in the auto rickshaw.
Can electric auto rickshaws be insured?
Yes. Electric auto rickshaws (e-autos) are fully insurable, including battery and electrical components through specialised add-on covers.
