Thanks for writing in, Ashish. Multiple insurance companies offer e-rickshaw insurance as a policy. It is a legal agreement between the insurer and the insured that requires the insurer to cover any unanticipated loss or damage to the e-rickshaw. 

There are two kinds of e-rickshaw insurance policies offered by insurance companies. These are the main ones:

Third-Party: According to the Motor Vehicle Act of 1988, the owner of an e-rickshaw must have third-party e-rickshaw insurance. Any third-party liability arising from an accident is covered by the third-party liability insurance policy.

Comprehensive Insurance: A comprehensive insurance policy is available from the insurance company. The insured receives coverage for his own damages and damage caused by natural disasters under a comprehensive insurance policy. However, it is not required by law, and the owner of an e-rickshaw can purchase it as needed.

Let's understand what is covered under E-Riksha Insurance 
1. Accidental Damage 
2. Man-made disasters.
3. Natural Calamity 
4. Personal accident 
5. Third-Party Liability
6.  Fire Accident & Theft 

Along with drunk driving and intentional negligence, other exclusions include driving without a license, own damage for third-party policyholders, electrical or mechanical failure, and electrical or mechanical failure.

You can visit the following link to understand more about E-Rikshaw Insurance