Save Up To 85%* on
3 Wheeler Insurance
Renew policy in 2 minutes
20+ Insurers to chose
10k+ Vehicles Insured
๐ Your number is safe with us
3-Wheeler Insurance
3 wheeler insurance is a mandatory commercial vehicle policy for all three-wheeled goods-carrying vehicles registered and operated on Indian roads. This includes CNG cargo three-wheelers, loading tempos, delivery vans, Bajaj RE Cargo, Piaggio Ape, and other three-wheeler auto vehicles used for transporting goods, last-mile delivery, and small business logistics.
On Policylegit, you can compare three wheeler auto insurance from 20+ IRDAI-approved insurers and get your policy online in under 2 minutes โ no agent visit, no paperwork, instant digital policy on email and WhatsApp.
This page covers goods-carrying three-wheelers. If you own a passenger-carrying CNG or petrol auto rickshaw, see our dedicated Auto Rickshaw Insurance page. For electric e-rickshaws, see EV Rickshaw Insurance.
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
Save Up To 85%* on
Vehicle Insurance
๐ Your number is safe with us
#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
3-Wheeler Insurance Price List 2026 โ Goods Vehicles
Three wheeler auto insurance price is determined by the IRDAI for third party (TP) cover and by individual insurers for comprehensive plans. The 3 wheeler auto insurance rate depends on the vehicle's use type โ goods carrying or passenger carrying โ and its payload capacity.
ย3-Wheeler Insurance Price List 2026
| Auto Rickshaw Model | Third Party (1 Year) | Full Insurance |
| Bajaj Maxima Cargo/Z | โน5,200โโน6,800 | โน7,500โโน14,000 |
| Atul Gem Cargo | โน5,200โโน6,800 | โน6,800โโน12,500/ |
| Piaggio Ape Xtra LDX | โน5,200โโน6,800 | โน8,200โโน15,000 |
| TVS King Duramax | โน5,200โโน6,800 | โน7,200โโน13,500/ |
| Mahindra Alfa Load | โน5,200โโน6,800 | โน7,800โโน14,500 |
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.
What Is 3-Wheeler Goods Vehicle Insurance?
3-wheeler goods vehicle insurance is a specialised commercial vehicle insurance policy for three-wheeled motorised vehicles used to transport goods, cargo, or materials for business purposes. This is different from passenger auto rickshaw insurance โ goods 3-wheelers are classified separately by IRDAI under the 'Goods Carrying Vehicle' category, and their third-party premium rate, coverage scope, and policy conditions differ accordingly.
Key distinction: If your 3-wheeler has a flat cargo bed, covered van body, or refrigerated container โ it is a goods vehicle and requires a goods vehicle commercial insurance policy. If it carries passengers (driver + 3 to 7 passengers), it is an auto rickshaw and requires a separate passenger-carrying vehicle insurance policy.
Does CNG kit damage get covered under 3 wheeler 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.
Bajaj Auto Three Wheeler Insurance
Bajaj is India's largest manufacturer of three-wheeler vehicles โ both passenger and cargo variants. Bajaj RE Compact Cargo, Bajaj RE 4S Cargo, and Bajaj Maxima Cargo are popular goods carrying variants.
Types of 3 Wheeler Rickshaw Insurance Policies:
Three Wheeler Third Party Insurance Price โ IRDAI Fixed Rate
Third party insurance โ also called TP or third party bima โ is compulsory under the Motor Vehicles Act for every three-wheeler operating on public roads in India. It covers:
- Legal liability for accidental death or bodily injury caused to a third person by your three-wheeler
- Damage caused to third party property or vehicle by your three-wheeler
- Personal accident cover for the owner-driver up to โน15 lakh
- Third party insurance does not cover any damage to your own three-wheeler.
Comprehensive Insurance / First Party Three Wheeler Insurance (Highly Recommended)
Comprehensive three wheeler insurance โ also called first party insurance โ gives complete protection for your vehicle. It covers all third party liabilities plus:
- Accidental damage to your own three-wheeler
- Theft or total loss of the vehicle
- Fire, explosion, and self-ignition damage
- Damage from flood, earthquake, cyclone, landslide, and other natural calamities
- Damage to the vehicle during transit by road or rail
Comprehensive cover is recommended for all three-wheelers that are financed, newly purchased, or used daily for commercial delivery operations
Standalone Own-Damage Insurance
Standalone OD covers only damage to your own three-wheeler. It must be purchased alongside an active third party policy and is suitable for operators who want to separate their TP and OD insurer at renewal.
Add-Ons for Three Wheeler Insurance
The following add-ons can be attached to a comprehensive three wheeler auto insurance policy for enhanced coverage:
- Zero Depreciation Cover โ full repair cost without any depreciation deduction on replaced parts
- Engine Protection Cover โ covers internal engine and gearbox damage
- Roadside Assistance โ breakdown help, towing, and on-the-spot support
- Consumables Cover โ covers nuts, bolts, engine oil, and consumables during repairs
- Goods-in-Transit Cover โ covers goods being transported in your three-wheeler against loss or damage
- IMT 23 Cover โ covers lamps, tyres, tubes, mudguards, and headlights damaged in accidents
- Driver Personal Accident Cover โ additional personal accident cover for the driver beyond the mandatory โน15 lakh
Add-ons slightly increase premium but greatly reduce out-of-pocket expenses during claims.
H2: Three Wheeler Auto Insurance Rate โ What Determines Your Premium
Key Factors Affecting Insurance Cost
Vehicle Use Category: IRDAI classifies three-wheelers as goods-carrying or passenger-carrying. Goods-carrying TP rates start from โน3,559. Passenger-carrying TP rates start from โน3,559 (up to 3 passengers) and โน4,343 (4 to 6 passengers).
IDV (Insured Declared Value): For comprehensive policies, the IDV is the current market value of your three-wheeler. It decreases each year with depreciation. Higher IDV = higher premium but better claim payout.
Vehicle Age: Newer three-wheelers have higher IDV and therefore higher comprehensive premiums. Older vehicles have lower IDV and lower premiums. Third party premiums remain fixed by IRDAI regardless of vehicle age.
Fuel Type: CNG, petrol, and diesel three-wheelers are rated differently by some insurers for comprehensive cover. CNG vehicles may attract a marginally higher premium due to the gas cylinder risk.
Payload and GVW: For goods-carrying three-wheelers, payload capacity and gross vehicle weight influence the comprehensive premium calculation.
City of Registration: Some insurers apply zone-based pricing variations for comprehensive cover based on the city and RTO zone of registration.
No Claim Bonus (NCB): For every claim-free year, you earn an NCB discount on the Own Damage component of your comprehensive policy โ starting at 20% after the first claim-free year and going up to 50% after five consecutive claim-free years.
Add-Ons Selected: Each add-on increases the base premium moderately but provides significantly higher coverage and reduced out-of-pocket expenses during claims.
How to Renew 3 Wheeler Auto Insurance Online
Renew your 3 Wheeler 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 your three wheeler insurance before the expiry date to protect your NCB and avoid a mandatory vehicle inspection. If your policy has already lapsed, a physical inspection of the vehicle will be required before renewal can be processed.
Why Buy Three Wheeler Insurance from Policylegit?
Compare 20+ Insurers on One Screen: Get instant quotes from HDFC ERGO, IFFCO Tokio, Bajaj Allianz, ICICI Lombard, Shriram General, Reliance General, Royal Sundaram, United India Insurance, National Insurance, Go Digit, Acko, and more โ all on a single comparison screen.
Lowest Online 3 Wheeler Auto Insurance Rate: Buying directly online eliminates agent commission. You pay the lowest available premium for the same IRDAI-approved policy.
Instant Digital Policy: Your policy document is issued within minutes of payment and delivered to your registered email and WhatsApp. Fully valid for traffic police, toll, and RTO compliance.
NCB Protection: We track your No Claim Bonus history and apply the correct discount automatically at renewal. You never lose your earned NCB when you renew on Policylegit.
Goods-in-Transit Add-On Guidance: Our team helps you select the right Goods-in-Transit cover based on your cargo type, route, and delivery frequency โ so your goods are protected along with your vehicle.
End-to-End Claim Support: In case of an accident or theft, our claim support team assists you from the first notification of loss through to final settlement. No runaround, no confusion.
How to Check 3 Wheeler Insurance Online
You can check your three-wheeler's insurance status online in two ways:
On Policylegit: Enter your vehicle registration number in the quote form above. If an active policy is on record, your coverage details including expiry date and insurer name will be displayed. You can renew directly from the same screen.
On the Government Parivahan Portal: Visit parivahan.gov.in, go to the "Know Your Vehicle Details" section, and enter your registration number to check insurance validity โ no login required.
Related Three Wheeler and Commercial Vehicle Insurance Pages
Find insurance for your specific vehicle type below:
- Auto Rickshaw Insurance โ CNG and petrol passenger auto rickshaw insurance with Bajaj model-wise price list
- EV Rickshaw Insurance โ electric three-wheeler and e-rickshaw insurance
- Mahindra Jeeto Insurance โ Mahindra Jeeto mini truck and three-wheeler insurance
- Tata Ace Insurance โ Tata Ace Chota Hathi goods vehicle insurance
- Commercial Vehicle Insurance โ compare all commercial vehicle types on one platform
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.
