Shriram Car Insurance

Shriram Car Insurance provides financial safety to the policyholder in case 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 customized as per the needs of the policyholder.

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Compare & Save upto 85%* on Car Insurance

Cashless garages2000

Plans starting @₹ 3704

Claim settlement ratio

Claim settlement ratio 96%

*TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

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 company promises to deliver insurance products that meet the requirements of a 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
Incurred claim ratio 79.43%
Personal Accident Insurance Up to 15 Lakhs
Network Garages 2071
No Claim Bonus Yes

Benefits of Shriram Car Insurance

Shriram car insurance plans come with certain unique features and 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
  • Cashless repair facility in more than 2000 network garages across India
  • 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 liability results from third party 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 due to 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.

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Shriram Car Insurance Premium Calculator

A car owner can also make use of a car insurance premium calculator to estimate the premium of a four wheeler insurance plan before purchasing one. By doing so, the car owner will be able to ascertain if the policy fits within the budget or not.

Coverage Under Shriram Car Insurance

  • In-transit Damages: Damage in transit by road, rail, inland waterway, lift, elevator, or air
  • Natural Calamities: Damages due to natural calamities like an earthquake (fire and shock), lightning, cyclone, flood, 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 License: Damage to the insured car when the driver is driving the vehicle without a valid driving license
  • War: Loss/damage due to war, mutiny or 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-On

Few additional covers are offered under Shriram car insurance that can be purchased by paying an extra premium. These add-ons include:

  • 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.

  • 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.

  • 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.

  • 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.

  • Emergency Transport & Hotel Expenses

    This add-on cover will compensate the policyholder with 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 stay opted by the policyholder.

  • Key Replacement Cover

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

  • Multicar Rebate

    A Multicar 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 cars as well.

Explore add-ons for your car insurance

Plans starting from @ ₹2,094/year*
Car Insurance
Zero Depreciation Car Insurance
Car Insurance
Compulsory Personal Accident Cover
Car Insurance
Bumper to Bumper Insurance
Car Insurance
No Claim Bonus (NCB) in Car Insurance
Car Insurance
Bundled Policy
Car Insurance
Roadside Assistance Cover
Car Insurance
Return To Invoice
Car Insurance
Multi-Year Car Insurance
Car Insurance
Engine Protection Cover
Car Insurance
Personal Possessions Cover
Car Insurance
Voluntary Deductible in Car Insurance
Car Insurance
Key Replacement Cover
Car Insurance
Daily Allowance Cover
Car Insurance
Tyre Protector Cover
Car Insurance
Rim Damage Cover
Car Insurance
Car Accessories Cover

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 as soon as possible 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 relevant 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
  • Police FIR
  • The motor insurance policy with the schedule and endorsement/ clause
  • Repair bills and estimates

How to Renew Shriram Car Insurance?

To renew Shriram car insurance from, you can follow the steps mentioned below:

  • From the Insurance Products dropdown on the homepage, visit the Car Insurance page.
  • In the given form, add your car number and proceed forward.
  • Fill in other required details
  • 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 Shriram car insurance renewal online will be complete. You will also receive your Shriram motor insurance renewal policy papers in your email.

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Shriram General Car Insurance Reviews & Ratings
4.8 / 5 (Based on 20 Reviews)
(Showing Newest 10 reviews)
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.
Raichur, September 14, 2021
Trustworthy place
Policybazaar offered me many car plans out of which i selected shriram car insurance. I liked the way the team has handled everything. The team is very dedicated towards their work. i can trust Policybazaar blindly as there is no chance of fraud or anything going wrong.