As the name suggests, a 3 Wheeler Insurance policy insurance is a type of commercial vehicle insurance policy designed to protect and suit the needs of a three-wheeler in India such as an Auto Rickshaw.
3 Wheeler Insurance

What is 3 Wheeler Insurance?
As the name suggests, a 3 Wheeler Insurance policy insurance is a type of commercial vehicle insurance policy designed to protect and suit the needs of a three-wheeler in India such as an Auto Rickshaw. It’s mandatory for all auto owners to at least have a third-party 3 Wheeler insurance to financially protect them from third-party liabilities and even better to have a comprehensive 3 Wheeler Insurance policy to cover for own damages that can be caused due to accidents, collisions, natural calamities, fires and other such mishaps.
What does 3 Wheeler Insurance cover?
- Accidents
- Fire
- Personal Accidents
- Towing Disabled Vehicles
- Theft
- Natural Disasters
- Third Party Losses
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Bangalore, Karnataka
Features and Benefits of 3 Wheeler Insurance:
- If you or your organization owns auto-rickshaws, it is mandatory by law to at least buy a Liability Only Policy in place. This will financially cover you and your business in case your rickshaw (s) causes damages and losses to third-party property, person or vehicle.
- If you use your auto rickshaw as a primary part of your business, it’s advised to purchase a standard or comprehensive package policy as it will protect your auto and the owner-driver from any losses caused due to natural calamities, accidents, terrorist activities, fires, thefts and malicious acts, among other unforeseen circumstances.
- An auto-rickshaw that comes with a valid insurance also assures your customers/passengers that you’re a responsible business and are serious about your work.
- An insured auto-rickshaw ensures your business doesn’t face any unplanned losses or downtime, which means you can instead spend your money and time towards other aspects of your business.
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Why is it important to have 3 Wheeler Insurance?
According to the Motor Vehicles Act in India, it is compulsory for all vehicles to have at least a Liability Only Policy in place. Without this, it would be illegal to ride an auto rickshaw in India.
However, if you’re using your auto rickshaw as a primary source of income or, as part of a business, then it is advised to have the Standard Package Policy, as that not only covers the damages caused to third parties by your auto rickshaw but, also covers for damages caused to your own vehicle and the owner-driver. Given the number of options available today, it is important to pick an insurance that is simple, reasonable, protects and covers you and your business in all possible situations and most importantly, guarantees to settle claims as soon as possible. After all, that’s the most important part of insurance!
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