Bizarrely enough, to legally drive in India you need a driver's license. An International Driving Permit (IDP) is a small booklet which translates your driving license, so you can show people all over the world that someone, somewhere deemed you capable of driving on public roads.
To drive any vehicle in India as a foreigner it’s a legal requirement to have an International Driving Permit. So make sure you have this. We’ve also found that in India, rickshaws are classed as ‘light motor vehicles’ so legally you can drive them in India with a Category A or B Stamp in your IDP.
All travel insurance policies have an exclusion saying that if you break the law they have the right to deny the claim. This would usually refer to the local laws where the incident takes place, so you need to meet the license requirements for the country you’re driving in in order to be covered by your travel insurance. Seems obvious enough but it’s always worth double checking with your insurance provider to make absolutely sure you’re covered.
If your license covers you under domestic law on your adventure, but wouldn’t cover you to drive that vehicle at home, your insurer could argue that you have a lack of experience driving that vehicle. It might be legal for you to whizz around in a Rickshaw in India on your license - but maybe not in your country of origin, so it is entirely your responsibility to make sure your insurer will cover you with whatever license you have. Many Australian teams have struggled to get insurance without having a motorbike licence.
General: One thing to realise is that an International Driving Permit (IDP) is not a stand-alone document, it is a translation of your own license. It's issued by the same organisation that issues drivers licenses, and its purpose is to make your current drivers license valid in other countries. You'll need to bring your licence too.
Make sure you get your IDP from an automotive authority, we have recently heard of a few people getting them from slightly dodgy websites and the permits aren't internationally recognised.