Atul Auto Insurance

Atul Auto Insurance is one of the leading three-wheeler manufacturers in India. The registered office of this company is in Rajkot, Gujarat and it majorly produces auto-rickshaw, e-rickshaw, and Tuk-Tuk. The vehicles manufactured by this company are among the most reliable and low-cost three-wheelers and are said to be redefining the auto industry in India. Currently, more than one million Atul vehicles are being used globally.

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Most of the Atul Auto commercial vehicles are used as a source of livelihood. Theft or any kind of accidental damage to them can result in huge financial loss to their owners/ drivers or can even shut down their business. Living with these uncertainties is risky and hence to minimize such risks in livelihood and business, it is required to get a vehicle insurance policy like an Atul Auto insurance policy.

Popular Atul Auto Models with Insurance Price

Atul Auto CV Model (2019 Registration)

Atul Auto Model Variant

Insured Declared Value (IDV)

Atul Auto Insurance Premium (Third-Party Insurance)

Atul Auto – Elite E Rickshaw

Passenger Carrier – Electric

Rs. 58,800

Rs. 5,615

Atul Auto – Gem

3 Seater – CNG

Rs. 94,500

Rs. 7,350

Atul Auto – Gem PAXX

STR 4 – Diesel

Rs. 73,920

Rs. 7,278

Atul Auto – Gemini

CNG – CNG

Rs. 66,000

Rs. 7,349

Atul Auto – Gemini DZ

LPG – LPG

Rs. 92,344

Rs. 7,349

Atul Auto – Passenger

STR 4 – Diesel

Rs. 78,000

Rs. 7,278

Atul Auto – Passenger CNG

STR 4 – CNG

Rs. 89,026

Rs. 7,526

Atul Auto – Shakti

A/RIX4 – PCV

Rs. 70,140

Rs. 7,278

Atul Auto – Smart

Passenger Carrier – 3 Seater

Rs. 67,200

Rs. 7,278

 Disclaimer: The Atul Auto Insurance Price for various Commercial Vehicle models may vary as per the capacity of their engines, fuel type, year of registration, IDV, RTO, etc.

Reasons to Buy Atul Auto Insurance Policy

Here are the reasons to buy Atul Auto insurance policy:

  • Buying an insurance policy is mandated by the law. One must buy at least a third-party insurance policy for his/her commercial vehicle.
  • A third-party commercial vehicle insurance policy provides insurance cover against losses and damages that incur to third-party by the insured vehicle.
  • A comprehensive commercial vehicle insurance policy provides insurance coverage against losses and damages incurred to the insured vehicle and third-party both.
  • Purchasing an Atul Auto insurance online is simple and fast.
  • The process of Atul Auto insurance renewal is easy and quick.
  • Atul Auto insurance claim process is hassle-free and quick.
  • Personal accident cover is offered to the drivers/ owners of the insured commercial vehicle.
  • The feature of 'No Claim Bonus' is also there.
  • To enhance the coverage of basic comprehensive or third-party insurance policy, one can buy add-ons.

Types of Atul Auto Insurance Policy

Atul Auto Third-party Insurance: Buying a third-party insurance cover for commercial vehicles is mandated by law. This insurance policy is the minimum insurance requirement that a commercial vehicle owner should fulfill. Under this type of insurance, one gets coverage against any loss or damage incurred to a third-party person or property by the insured vehicle. However, no insurance coverage is provided to the insured vehicle under this type of vehicle insurance policy.

Atul Auto Comprehensive Insurance: A comprehensive vehicle insurance policy is not mandated by the law, but the insurance experts recommend buying this policy. The reason for the same is its comprehensive coverage that provides insurance cover for both own vehicle (insured commercial vehicle) and third-party against any loss or damage. So, with a comprehensive vehicle insurance policy, one gets insurance cover for own vehicle and a third-party both.

Inclusions of Atul Auto Insurance Policy

The inclusions of an Atul Auto Insurance policy are as follows:

  • The insurance policy offers insurance cover to the insured vehicle in case of its damage or loss due to any of the below-mentioned reasons:
    • External accident
    • Riot, strike
    • Earthquake
    • Fire explosion, self-ignition, lightning
    • Terrorist activity
    • Burglary
    • Frost, hailstorm
    • Landslide
    • Housebreaking
  • Insurance cover is provided to a third-party person or property in case of losses or damages incurred by the insured vehicle. Under a third-party insurance cover death or bodily injury to someone (third-person) and damage to third-party property caused due to the insured commercial vehicle is provided
  • Personal accident cover for driver and/or owner of the insured commercial vehicle is provided in most of the Atul Auto Insurance policies.

Additional Covers in Atul Auto Insurance Policy

For increasing the cover of basic commercial vehicle insurance policy, one can add additional cover/s to it. An additional cover for the Atul Auto insurance policy can be added by paying an additional premium. Some of the common additional covers offered for Atul Auto commercial vehicles are:

  • Engine protection cover
  • Zero depreciation cover
  • Key replacement cover
  • ‘No Claim Bonus’ protection cover
  • For passenger loading vehicles, an additional personal accident cover for passengers is also provided.
  • Return of invoice cover
  • Cover for consumables

Exclusions of Atul Auto Insurance

The exclusions of Atul Auto insurance are as follows:

  • Any damage or loss incurred to the insured commercial vehicle outside the allowed geographical area.
  • All the claims that are raised for the issues that are not mentioned in the insurance policy.
  • Any type of consequential losses.
  • Intentional damages to the insured commercial vehicle.
  • Damages or losses incurred to the commercial vehicle due to negligence.
  • All the damages and losses are caused when the driver was driving the vehicle under the influence of any kind of intoxicating drug or alcohol.
  • All the damages and losses incurred that are caused when the driver was driving the insured commercial vehicle without a valid driving license.

How to Buy Atul Auto Insurance Online

The availability of the internet and e-commerce websites and apps have made it possible to buy everything online. From a needle to an insurance policy, one can buy anything over the internet. The same thing is true for Atul Auto insurance. The steps to buying an Atul Auto insurance policy online are as follows:

  • Go to the commercial vehicle insurance page and there choose the option to purchase commercial vehicle insurance online.
  • There, one has to provide all the details of his/her commercial vehicles such as their make and model, types of insurance like third-party or comprehensive insurance, details of the claim, its RTO information, manufacturing details, etc.
  • After mentioning all the asked information, one can select the insurance quote from the insurance providers’ list for Atul Auto Commercial Vehicle.
  • Now one must select an insurance policy according to his/her needs and then make the payment online.
  • The purchased insurance policy is e-mailed after this to the registered email id of the policyholder or him/she can download it.

How to Renew Atul Auto Insurance Online

The steps to renew an Atul Auto Insurance policy online are as follows:

An insured has to provide the renewal form of Atul Auto Insurance with the following details and then the insurance company’s representative will get in touch with him/her:

  • Name of the insured
  • Insured’s landline number (if exists)
  • The mobile number of the insured
  • His/her email-id
  • Atul Auto commercial vehicle’s model number
  • Registration city
  • Registration year of the commercial vehicle
  • Whether the previous Atul Auto Insurance policy was expired or not
  • Insurance type:
    • Purchase insurance for a brand new Atul Auto commercial vehicle
    • Renew an existing Atul Auto Insurance policy
    • Renew an existing Atul Auto Insurance policy from a different insurer

Atul Auto Insurance Policy Claim Procedure

  • The first step that a policyholder should take to file a claim is to inform the insurer at its toll-free number.
  • For the cashless claim settlement of the Atul Auto insurance policy, one has to make an appointment with the surveyor of the insurance company. The damaged Atul Auto commercial vehicle is taken to the network workshop of the insurance provider for repair only after successful completion of the survey.
  • A policyholder must submit all the required documents to the surveyor.
  • The insurance provider can confirm the liability only after the completion of the survey.
  • If the policyholder avails the cashless service, the Atul Auto insurance provider will settle the claim with the network workshop directly.
  • However, if the policyholder opts for the claim reimbursement facility, he/she has to settle the claim cost first by him/herself. Later, the insurer will settle it. However, for the same, the policyholder should provide the claim form with all the original bills to the insurer.

Documents Required for Atul Auto Insurance Claims

  • Filled and signed claim form
  • Driving license’s copy
  • Estimate of the repair
  • Registration certificate’s copy
  • Commercial vehicle’s permit
  • Commercial vehicles need to submit the load challan.

Atul Auto Insurance Policy FAQs

Q1. Why do I need to insure my Atul Auto commercial vehicle?

Ans. The first and the foremost reason is – the Motor Vehicle Act, 1988. As per this act, it is mandatory to insure your commercial vehicle before plying it on Indian roads. The second reason is the insurance coverage offered by commercial vehicle insurance companies like it provides financial coverage in case of damage, theft, or accident of your vehicle.

Q2. Is my ‘No Claim Bonus’ transferrable?

Ans. Yes, it is possible to transfer your ‘No Claim Bonus’ that you have accumulated for your commercial vehicle.

Written By: PolicyBazaar

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