E-rickshaw insurance

. Coverage Options
Comprehensive Insurance: Covers damages to the e-rickshaw, third-party liability, theft, and natural calamities.
Third-Party Liability: Protects against damages caused to other vehicles, property, or individuals.
2. Benefits
Cashless Claims: Access to a network of service centers for seamless cashless repairs.
Personal Accident Cover: Offers coverage for the driver and passengers in case of an accident.
24/7 Roadside Assistance: Provides support in case of breakdowns or emergencies.
3. Add-On Covers
Zero Depreciation: Ensures that claims are settled without depreciation deductions.
Engine Protection: Covers damages to the engine due to water ingress or other specified risks.
4. Premium Calculation
The premium is influenced by factors such as the e-rickshaw's make and model, its age, usage type, and chosen coverage options.
5. Claim Process
Filing a Claim: Typically involves filling out a claim form online or at a local office, along with necessary documents (registration, driver’s license, accident report).
Documentation Requirements: Clear documentation is essential for smooth processing of claims.
6. Exclusions
Common exclusions may include wear and tear, mechanical failures, and damages incurred while driving under the influence.
7. Renewal Process
E-rickshaw insurance can usually be renewed online, ensuring continued coverage without interruption.