Tuktuk Insurance
Comprehensive Coverage and Accident Claims Guidance
When you rent a tuktuk with tuktukSL, your safety and peace of mind are our top priorities. All our tuktuks are fully insured so you can explore Sri Lanka with confidence. To further protect yourself, we also recommend arranging your own travel insurance for personal medical expenses, trip interruptions, and any unforeseen risks.
What Does Tuktuk Insurance Cover?
Comprehensive Vehicle Coverage
Major Repairs:
Our insurance covers the full cost of repairs or replacement when your tuktuk sustains significant damage.
Minor Scrapes:
For damages under $100, the renter is responsible. This approach helps local tuktuk owners maintain no-claim bonuses and keep premiums affordable.
Authorized Driver Protection
Coverage is valid only when the tuktuk is driven by the authorized driver listed in your rental agreement.
Note: Unauthorized drivers are not covered.
Accident and Damage Insurance
Accidents & Collisions:
Provides coverage for damages resulting from accidents, collisions, or other unforeseen incidents.
Additional Risks:
Protection extends to events like fire, theft, floods, and other natural calamities.
Third-Party Liability
Covers injuries or property damage sustained by third parties in an accident involving the tuktuk.
Passenger Coverage
Offers personal accident benefits should passengers be injured or become permanently disabled.
Important Note:
If a third party (vehicles, property, or passengers) is involved in the accident, insurance coverage is processed after a court settlement. We recommend settling on the spot if you are at fault to avoid delays.
Safety Tips for a Smooth Journey
Tips for No Accidents
Maximum Speed Limit:
Adhere to the maximum speed limit of 40 kmph as per traffic rules. In Sri Lanka, damaged roads and unexpected bumps are common, so maintain a cautious speed.
Stay Alert:
Watch out for pedestrians, cyclists, and even animals (dogs, cats, cows) that might unexpectedly cross your path.
Yield to Larger Vehicles:
Give way to buses and larger vehicles, they often have the right of way.
Drive on the Left:
Always drive near the left side of the road unless turning right.
Avoid High-Risk Behaviors:
Do not drink and drive (legal limit is 0.00%).
Reduce night driving, as low visibility increases risks.
Stay Calm:
Don’t panic. Enjoy your tuktuk ride, but be prepared for unexpected actions by other drivers.
Plan Your Route:
Avoid heavy city traffic during peak hours:
Morning Office Rush: 8:00 am – 9:00 am
School Pickup/Drop-Off: 1:00 pm – 3:00 pm
Evening Commute: 5:00 pm – 8:00 pm
Tip: Saturday afternoons and Sundays are usually less crowded—ideal for trips to Colombo.
Accident Situations and Claim Process
In the event of an accident, prompt and proper action is vital. Depending on the accident type, follow these detailed procedures:
Immediately After an Accident
Report the Incident
Call the Police:
Report the accident immediately; a police report is mandatory to process any insurance claim.
Inform the Insurance Company:
Simultaneously, call the insurance company. Both police and insurance representatives will be dispatched to your location.
Follow On-Site Instructions:
Depending on the severity, you may be directed to wait while the investigation begins.
Determine Fault:
If you are not at Fault:
If the accident occurs with another vehicle and the authorized driver was not at fault, then the damage to your tuktuk will be fully covered by our insurance.
If you are at Fault:
If the authorized driver’s mistake caused the accident, you must settle the compensation on the spot:
- Step 1: Ask the other party to propose an amount for compensation.
- Step 2: If the amount is acceptable, pay and resolve the issue promptly.
- Step 3: If the proposed amount seems unreasonable, call tuktukSL immediately for advice.
Remember:
Regardless of fault, any damage to your tuktuk is covered under our insurance policy.
Claim Process and Required Documentation
Claim Process and Required Documentation
To submit an insurance claim, gather the following documents:
Police Report:
Ensure the police file a report about the incident. For certain accidents, you may need to visit the police station to provide a statement.
Insurance Report Paper:
The insurance company will provide a report on-site—be sure to collect this document.
Hospital Discharge Papers (If Applicable):
If anyone is injured and admitted to the hospital, wait until discharge and collect the discharge papers. The police might later need you to provide a formal statement about the accident.
After you collect these documents, submit them to the insurance company for review. Once approved, your claim will be processed accordingly.
Additional Accident Settlement: Small vs. Large Incidents
Large Accidents
Definition:
Incidents causing damage exceeding $200 or involving serious injuries.
Procedure:
- Stay calm and assess any injuries.
- Immediately Call:
Police at 119
Ambulance services in 1990 - Contact the insurance company; they will send a team to examine the scene and provide you with an accident report.
- Obtain the insurance consultant’s contact details for follow-up.
- Contact tuktukSL to report the incident.
Document the accident by taking pictures of:
Damage to all vehicles involved.
- Take a photo of the accident scene, including Vehicle number plates.
- Any relevant documents or insurance settlement forms provided by the assessor.
Additional Steps for Injuries:
- If hospital treatment is required, wait until discharge.
- Be prepared to give a statement at the police station if requested.
Final Approval:
Once all documentation is submitted, the insurance company will review and approve your claim.
Small Accidents
Definition:
Incidents resulting in up to $200 in damage and no injuries.
Procedure:
- Remain calm and check for injuries.
- Approach the other party, apologize, and ask for a proposed compensation amount.
- If you agree, pay the suggested amount. If not, contact tuktukSL immediately for guidance.
Note:
Even if you settle on the spot, any damage to your tuktuk remains covered by our insurance, though you may need to contribute to repair costs as specified in the rental agreement.
Support During Repairs
Owner Support Contribution:
After the accident, we will directly send your tuktuk to the repair shop. While your tuktuk is being repaired and is unavailable for rental, a $10/day contribution is added to assist the owner’s family during this downtime.
Practical Tips for Staying Protected
Drive Responsibly:
Follow all traffic laws and advertised speed limits.
Review Your Insurance Policies:
Fully understand both your tuktuk and travel insurance details, including any exclusions.
Be Prepared:
Keep essential documents (your license, rental agreement, and emergency numbers) easily accessible.
Report Incidents Promptly:
Follow all instructions immediately to secure your claim.
When in Doubt:
Call tuktukSL immediately for support—help is only a phone call away.
Conclusion
At tuktukSL, we are committed to making your journey safe and stress-free. Our comprehensive tuktuk insurance protects you from major and minor incidents alike, and our clear accident reporting and claim procedures are designed to help you navigate any situation quickly. Complement our insurance with your own travel policies for complete protection, and always follow these practical tips to ensure a smooth journey through Sri Lanka.
Enjoy your adventure with confidence and safety!
Ready to start your unforgettable tuktuk journey?
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