Shriram General Third-Party Car Insurance

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Shriram Third Party Car Insurance
  • 2000 Cashless garages

  • Plan starting @ ₹ 2094#

  • 96% Claim settlement ratio

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      Shriram General Third-Party Car Insurance

      Shriram General Third-Party Car Insurance is a type of car insurance policy that provides cover for third-party liabilities.

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      A third-party insurance policy provides financial aid to the insured in case he/she meets an unforeseen road accident and is responsible for it that causes injury, death, permanent disability, third-party car damage, etc. Being insured with third-party car insurance also fulfills the legal liability of having third-party car insurance as per the Motor Vehicle Act, 1988.

      Shriram General Third Party Car Insurance Vs Comprehensive Car Insurance

      Before getting car insurance take a look at the key differences between Digit Third Party Car Insurance and Digit Comprehensive Car Insurance in the table below:


      Shriram General Third Party Car Insurance

      Shriram General Comprehensive Car Insurance

      Policy Coverage

      Third-party liabilities arising after the accident.

      Own damage, third-party, loss or damage caused by natural calamity, etc.

      Legal Requirement

      It is mandatory for all car owners to have this insurance plan

      It is not mandatory. Depends on the car owner whether to purchase it or not.

      Own Damages Cover

      Does not cover own damages

      Covers own damage


      Limited coverage keeps the premium low

      Broad coverage makes the premium higher than third-party

      Add-on Covers

      No Add-ons available

      Zero-depreciation, NCB, roadside assistance, etc.

      Shriram General Third Party Car Insurance: Inclusions

      Shriram General third-party car insurance by Shriram General provides cover for the third-party liabilities for which the insured car is responsible. The Shriram General Insurance Company compensates for the third-party damages on behalf of the insured. Hence, it keeps the insured in peace and not worry about unforeseen expenses.

      Shriram Third Party Car Insurance covers the policyholder against the following:

      • Third Party Property Damages– Shriram General third-party insurance compensate for any kind of damage or loss caused to the third-party by the insured car in an unforeseen road accident.
      • Personal Damages to Third Party–Shriram General third-party insurance plan provides cover for the personal damages caused to the third-party such as bodily injury, death, permanent disability, etc.
      • Third Party Vehicle Damages– Any damage caused to the third-party vehicle is covered under this insurance plan.
      • Personal Accident Cover– The insurance provides cover for personal accident up to Rs. 15 lakh to the insured owner/driver of the car in case the accident leads to death or disablement. However, if the policyholder already has a personal accident cover, he/she does not have to buy it again.

      Shriram General third-party car insurance provides cover for the third-party car insurance or property damage up to Rs. 7.5 lakh but the compensation provided by the insurance company will rely on the Motor Accidents Claims Tribunal.

      Shriram General Third Party Car Insurance: Exclusions

      The following adversities are not covered under a Shriram General Third Party Car Insurance policy:

      • Own Damages– No coverage is provided for the own damage caused to the insured car due to road accident, natural calamity, car theft, fire, etc.
      • Drunk Driving– Third-party car insurance plan will not provide cover for the third-party liabilities if the insured car’s driver is found driving under the influence of alcohol.
      • Driving Without License– Third-party car insurance will not provide cover for the third-party liabilities if the insured car’s driver is found driving without a valid driving license.
      • Contractual Liability– Shriram General third-party car insurance will not provide cover for any kind of contractual liability.
      • Driving Without a Valid License Holder– No third-party liability cover will be provided by the insurance company to the insured if the driver holding a learners license is driving without a valid license holder sitting beside him on the conductor seat.
      • War and Nuclear Perils– The insurance company will not provide cover for any third-party liabilities caused because of civil war, war like situation, act of war or nuclear weapons.

      Shriram General Third Party Car Insurance – FAQs

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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.

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