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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.
As per the Motor Vehicles Act, third-party insurance is compulsory for every auto rickshaw or three-wheeler operating on public roads.
At PolicyLegit, you can check, compare, and buy auto rickshaw insurance online at a low premium. You can compare plans from leading companies including Digit, Bajaj Allianz, ICICI Lombard, Tata AIG, HDFC ERGO, Reliance, Shriram, Royal Sundaram, United India, National Insurance, and others at competitive rates.
Auto Rickshaw Insurance Price List 2026 – Bajaj, CNG & 3-Wheeler
Third-party premiums are regulated by IRDAI and remain largely uniform across insurers. Comprehensive premiums vary based on IDV, city, vehicle age, fuel type, NCB, and add-ons.
Here is the Auto Rickshaw Insurance Price List 2026 — Bajaj, CNG, 3-Wheeler & E-Auto:
| Auto Rickshaw Model | Third Party (1 Year) | Full Insurance |
| Piaggio Ape / City / Xtra | ₹4,499 – ₹8,000 | ₹7,000 – ₹10,500 |
| Mahindra Alfa / Max / Jeeto Rickshaw | ₹5,000 – ₹9,000 | ₹7,500 – ₹11,500 |
| Electric Auto Rickshaw | ₹5,500 – ₹9,500 | ₹8,000 – ₹12,500 |
| Related 3-Wheelers / Cargo Rickshaws | ₹4,500 – ₹10,000 | ₹7,000 – ₹13,000 |
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.
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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 | ₹6,500 – ₹9,500 | ₹8,000 – ₹12,000 |
| Piaggio Ape / City / Xtra | ₹7,000 – ₹10,500 | ₹4,500 – ₹8,000 |
| Bajaj RE Maxima | ₹7,500 – ₹11,500 | ₹9,000 – ₹14,000 |
| Bajaj RE 4S Stroke | ₹8,000 – ₹12,500 | ₹9,000 – ₹15,000 |
| Bajaj Maxima C | ₹7,000 – ₹13,000 | ₹11,000 – ₹17,000 |
| Bajaj RE CNG | ₹8,000 – ₹12,500 | ₹9,000 – ₹13,500 |
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.
CNG Auto Rickshaw Insurance Price 2026
CNG auto rickshaws are the most common three-wheelers in Indian cities. They are treated similar to petrol variants for third-party cover under IRDAI tariff. However, for comprehensive insurance:
- The CNG kit value is added to the IDV, which slightly increases the own-damage premium.
- Always declare the CNG kit at the time of purchase. Undeclared kits are not covered for damage.
Does CNG kit damage get covered under auto rickshaw insurance?
Yes — 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.
- Insured Declared Value (IDV)
- City / RTO Zone
- Vehicle Age & Fuel Type
- No Claim Bonus (NCB)
- Seating Capacity / Gross Vehicle Weight
- Add-ons selected – Zero Depreciation, Engine Protect, etc.
- Claim history and driver profile
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.
How to Get the Lowest Auto Rickshaw Insurance Price
- Maintain continuous No Claim Bonus
- Declare CNG kit correctly at purchase
- Choose a realistic IDV
- Compare online quotes from 20+ insurers
- Renew before policy expiry to avoid inspection and higher rates
- Select only the add-ons you actually need
How to Buy or Renew Auto Rickshaw Insurance Online
- Enter your vehicle registration number
- Compare instant quotes from multiple insurers
- Select coverage type and add-ons
- Make secure online payment
- Download your policy instantly on WhatsApp or email
Renew on time to protect your NCB and avoid penalties or inspection delays.
Policies should be renewed through the official PolicyLegit.com 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 always choose a trusted platform. Protect your 3 wheeler auto rickshaw today with the right commercial insurance policy at the best premium.
Why Bajaj Auto Rickshaw Owners & 3-Wheeler Drivers Choose PolicyLegit
- Compare plans from 20+ IRDAI-approved insurers in one place
- Instant policy issuance
- Dedicated claim support team for auto rickshaw owners
- Full CNG kit coverage
- No hidden fees
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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 Vehicle 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.
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