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Shriram Car Insurance
  • 2000 Cashless garages

  • Plan starting @ ₹ 2094#

  • 96% Claim settlement ratio

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      Shriram Car Insurance

      Shriram Car Insurance provides financial safety to the policyholder if the insured car has sustained damages due to unforeseen incidents like a fire or theft. This car insurance plan by Shriram General Insurance Company can also be customised as per the policyholder's needs.

      Read more

      About Shriram General Insurance Company

      Shriram General Insurance Company is owned by Shriram Group, which is one of the strongest business houses in India. The insurance company is a joint venture between Shriram Capital Limited and Sanlam Limited (South Africa).

      The company promises to deliver insurance products that meet the requirements of the common man. Multiple insurance plans are offered by the insurance company, including motor insurance plans, which are tailor-made, customer-friendly and completely transparent.

      Key Features of Shriram Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 97%
      Personal Accident Insurance Up to Rs. 15 Lakhs
      Network Garages 2,000
      No Claim Bonus Yes
      No.of Zero Dep Claims 2
      No. of Comprehensive Claims 3

      Benefits of Shriram Car Insurance

      Shriram car insurance plans come with certain unique benefits that are as follows:

      • Low-cost insurance plans with the best of the tailor-made coverage
      • Fast and hassle-free claim settlement service
      • No Claim Bonus on car insurance is also available
      • Availability of Personal Accident cover for policyholders

      Types of Shriram Car Insurance Policy

      Shriram General Insurance Company offers three types of motor policies for four-wheelers. These are:

      1. Shriram Third Party Liability

        The Third Party Liability Car policy covers a policyholder against third-party liabilities arising due to the insured car.

        Third-party liabilities include property damage, bodily injury and demise of the third party. This car insurance plan does not cover damages sustained by the insured car during an unforeseen event.

      2. Shriram Standalone Motor Own Damage Policy

        The Standalone car own damage policy provides coverage against own damages sustained by the insured car due to unexpected events like a road accident. The own damage car insurance does not cover third party liabilities, and thus, a car owner can purchase this plan along with a third party liability car policy.

      3. Shriram Private Car Package

        The Comprehensive car insurance policy covers a policyholder against damages sustained by the insured car arising from uncertain events like natural calamities, manmade acts, road accidents, theft and more. Moreover, a car package policy also covers third party liabilities arising due to the insured vehicle.

      Shriram Car Insurance Premium Calculator

      A car owner can also use a car insurance premium calculator to estimate the premium of a four-wheeler insurance plan before purchasing one. By doing so, the car owner can ascertain whether the policy fits within the budget.

      Coverage Under Shriram Car Insurance

      • In-transit Damages: Damage in transit by road, rail, inland waterway, lift, elevator, or air
      • Natural Calamities: Damages from natural calamities like an earthquake (fire and shock), lightning, cyclones, floods, typhoon, etc.
      • Manmade Acts: Damages due to burglary, theft, strike, riots, malicious acts, and terrorist activity
      • Third Party Liability: Damages sustained by a third party, such as death, injury and property damage, due to the insured car
      • Fire: Damages sustained by the insured car due to fire, explosion, self-ignition
      • Accidents: Any loss or damages caused due to accident
      • Wear and Tear: Loss or damage due to normal wear, tear and general ageing of the vehicle.
      • Breakdown: Damages due to mechanical/ electrical breakdown/ failure or breakages
      • Consequential Loss: Damages sustained by the insured car due to any consequential loss
      • Other Purposes: If the vehicle is being used for any reason other than as specified in the car plan
      • Invalid Driving Licence: Damage to the insured car when the driver is driving the vehicle without a valid driving licence
      • War: Loss/damage due to war, mutiny, radioactivity or nuclear risk
      • Drunk Driving: Damages caused due to driving after consumption of alcohol or drugs
      • Outside Geographical Area: Any accidental loss that occurs beyond the geographical area

      Shriram Car Insurance Add-Ons
      Zero Depreciation Cover

      Under the Zero Depreciation cover, the insurance company will compensate against the depreciation borne by damaged or replaced parts of the insured car.

      In other words, this add-on covers the depreciation of the insured car at the time of claim settlement, which is generally excluded from a standard plan.

      Read more
      Daily Reimbursement Cover

      Under the Daily Reimbursement add-on cover, the policyholder is entitled to a daily allowance till the time the insured vehicle is under repairs at a network garage.

      The daily reimbursement will not be payable if the insured vehicle is not being repaired at a network garage.

      Read more
      Return to Invoice Cover

      The Return to Invoice cover entitles a policyholder to receive the current invoice value of the car, registration fees and road tax if the car has suffered a total loss.

      This cover is valuable in case of a total loss due to theft or fire.

      Read more
      Personal Belongings Cover

      Under the Loss of Personal Belongings cover, the policyholder will receive compensation against personal items lost or damaged during a car accident.

      The policyholder will bear the first Rs.500 of each and every claim under this section.

      Read more
      Emergency Transport & Hotel Expenses

      This add-on cover will compensate the policyholder for the cost of hiring a taxi if the insured vehicle has met with an unforeseen accident.

      Moreover, it will also cover the cost of overnight stays opted by the policyholder.

      Read more
      Key Replacement Cover

      Under the key replacement cover additional cover, the insurance company will pay for the replacement/repair of the damaged, stolen or lost insured car keys.

      Compensation is paid in case of a break-in or lockout reimbursement.

      Read more
      Multicar Rebate

      A Multi car Rebate add-on cover is for those policyholders who own more than one car.

      This add-on cover extends the benefits of zero depreciation, key replacement and personal belongings add-on covers to other vehicles.

      Read more
      View more Add-ons

      Explore add-ons for your car insurance

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      How to Renew Shriram Car Insurance?

      For Shriram car insurance renewal from, you can follow the steps mentioned below:

      • Click on the “Car Insurance” tab from the homepage
      • In the given form, add your car number and proceed forward.
      • Select other required details such as make, model, and variant of your car
      • Select your previous claim details and policy expiry date
      • Find Shriram car insurance renewal plan from the mentioned plans. Select the add-on covers you wish to add.
      • Enter NCB discount on a previous car policy
      • Proceed with the Summary and Payment option
      • Once the premium has been verified, make the payment via the desired method.
      • After you have paid the premium successfully, your car insurance renewal online will be complete. You will also receive your policy papers in your email.

      How to File a Claim Under Shriram Car Insurance?

      To file a Shriram motor insurance claim, you will be required to follow the steps mentioned below:


      Register the Claim:

      The first step is to register the claim immediately after the incident. You can call the insurance company's customer care and register your claim


      Send Car for Repairs:

      Once the claim has been registered, the car will be sent to the garage for repairs. A surveyor is appointed to assess the loss of the insured vehicle and inspection of the same.


      Final Claim Settlement:

      The surveyor will verify all the documents required for the final claim settlement process. Once the repairs are complete, the insurer will settle the claim directly with the network garage.

      If the repairs have been done in a non-network garage, you will be reimbursed the claim amount by the insurer after you settle the bill.

      Documents Required to Raise a Claim Under Shriram Car Insurance

      To raise a claim under Shriram car insurance, you will have to submit the following documents to the insurance company:

      • Duly filled claim form
      • Copy of Driving License
      • Certificate of Registration of the insured car
      • Copy of Police FIR
      • The motor insurance policy documents
      • Repair bills and estimates

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      • Q4. What are the details required to settle the claim for Shriraminsurance?

        Ans: You must have the following details handy so that the Shriram car insurance customer care executive can process your claim:
        • Policy number
        • Contact details of the insured
        • Date and time of the accident
        • Description of the estimated loss
        • Location of the accident for the surveyor to inspect
        • Driver’s DL details, including name and contact details
      • Q5. What is the policy cancellation process for Shriram car insurance?

        Ans: To cancel your Shriram car insurance policy, visit the nearest branch with your policy documents and a duly filled surrender form to submit at the counter. Upon a satisfactory check of documents by the office, the policy will be cancelled, and the refund will be directly credited to your bank account. Alternatively, you can also contact customer care via phone to get your policy cancelled.
      View more FAQ’s

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      Shriram Car Insurance Reviews & Ratings

      4.8 / 5 (Based on 21 Reviews)
      (Showing Newest 10 reviews)
      Jaipur, February 04, 2024
      Budget friendly deal
      A lot of people suggested me to consult Policybazaar when I wanted to get an insurance for my car i.e. Hyundai Creta. I really liked Shriram car insurance plans. After a lot of discussion with the Policybazaar team, I bought comprehensive car insurance plan. They guided me patiently about different plans as per my budget and requirements.
      Moga, December 15, 2021
      Reliable website
      I never preferred online process before due to chances of fraud. i used to prefer offline process. Someone told me that Policybazaar is the most reliable website and there is no chances of fraud. So I decided to take a look at the car plans on their website, I took the Shriram General Plan from here
      Panchkula, December 08, 2021
      Affordable plan
      I have got cheaper offer in policybazaar. I had seen many offers provided by different companies but my search ended on policybazaar as they were providing me such good facilities at affordable rate which I liked the most. i bought shriram general car insurance from here
      Aurangabad, November 26, 2021
      Easy to purchase
      I was taking car insurance through an agent but a friend of mine told me that I can buy the policy directly from Policybazaar and I do not need an agent. i checked the website of Policybazaar and out of many plans I bought Shriram General plan. Thanks to my friend who saved my money from being wasted on agent fees.
      Kanpur, November 23, 2021
      Affordable plan
      I have taken shriram car insurance. Policybazaar has knowledgeable staff. an executive answered each and every question of mine to the best of his knowledge. If one is looking to get cheap car plan then definitely visit here as they offers pretty good plans.
      Rewari, November 02, 2021
      Customer management
      Executive who guided me and supported me while purchasing sbi general car insurance, was very polite. Not just one executive but the entire team is brilliant and their way of customer management is remarkable. Extremely happy and satisfied with the overall service.
      Roorkee, November 02, 2021
      Faster claim settlement
      Fortunately I did not have to bear the financial burden of the repair cost. my car got damaged and its gate part was completely broken.With the help of Shriram General Car Insurance, I claimed and received the claim settlement within two days.
      Kota, October 26, 2021
      Hassle free experience
      I have had hassle free experience while purchasing shriram car insurance from Policybazaar. i got my car plan in minimal paperwork and i found good deals here. the service and support i have got from Policybazaar was outstanding.
      Sonipat, October 07, 2021
      Supportive staff
      I have received all the facilities from policybazaar. i have bought shriram car insurance from Policybazaar and staff was so polite and informative. they provided me all the information about the plan. completely satisfied with my plan
      Bijnore, October 07, 2021
      Easy renewal
      Renewal process is very easy I had taken Shriram General Car Insurance from Policybazaar. i renewed my policy last month. I did the renewal online from home itself. I am satisfied with the overall service provided by Policybazaar.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

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