Shriram General Insurance Overviews

Shriram General Insurance Company is a joint venture between Shriram Group, holding 74% stake in the company and South Africa based Sanlam Limited, which holds the remaining 26% share.

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Shriram General Insurance

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    Established in 1974, Shriram Group has an overall customer base of over 12 million, with more than 60, 000 employees across 3, 000 branches in India. The company has a net profit of over Rs. 22 billion and assets under management of Rs. 90, 000 Crore.

    The Sanlam Group, a financial services group of South Africa, provides professional financial advice and financial products to individuals and corporate customers. The company was established in 1918 and over the years, it evolved from a traditional insurer to a diversified financial services provider.

    Shriram General Insurance Company has the slogan "Be Insured…Rest Assured", which clearly defines the service parameters of this company. Jasmit Singh Gujral is the Managing Director and CEO of Shriram General Insurance Company. The company has been awarded the "Excellence in Growth Award" for two consecutive years in 2011 and 2012.

    Shriram General Insurance - Vision and Mission:

    Shriram General Insurance Company’s prime vision is to serve the common and underprivileged mass. The insurance company intends to create value at the bottom of the pyramid.

    It also intends to serve all the parameters of an ideal general insurance company and aims to ensure complete customer satisfaction.

    Shriram General Insurance Company - Awards and Recognitions:

    Shriram General Insurance Company has bagged various awards. They are:

    • CELENET India Insurance Awards in 2011
    • CELENET India Insurance Awards in 2012
    • India Insurance Summit & Awards 2018

    List of Shriram General Insurance Products:

    Shriram General Insurance offers a wide range of non-life insurance products. Here’s the list of general insurance products offered by this insurance provider:

    Shriram Car Insurance Plans:

    Shriram Car Insurance Policy has the following features:

    • Daily reimbursement
    • Cashless Repair
    • Third-party Property Damage
    • Unnamed Passenger Cover
    • Zero Depreciation Cover
    • Personal Belongings Cover
    • NCB Protection Cover
    • Key Replacement
    • Multi-car Rebate

    Shriram Two-Wheeler Insurance:

    Shriram Two-wheeler insurance aims to protect the insured from the financial loss incurred to get the vehicle repaired or replaced in case of damage or theft. Additionally, it also meets the mandatory third-party liability clause under the Motor Vehicles Act. Enhanced protection through nil depreciation is also available.

    This policy offers hassle-free cashless claim service at preferred network garages and speedy claim settlement. The status of the claim can be tracked online.

    A No Claim Bonus discount is awarded at the time of renewal if the insured does not make an OD claim during the policy period. An option to transfer existing No Claim Bonus from any insurance provider is also available.

    Shriram Commercial Vehicle Insurance:

    Commercial vehicle insurance is something that should be given utmost importance. This is because the vehicle is attached to one's business and therefore, to continue earning profits, the vehicle must run uninterruptedly on road. Good commercial vehicle insurance covers its policyholder against any kind of vehicle liability that might come in his/her way.

    Shriram General Insurance - Commercial Vehicle Insurance covers:

    • Loss or damage to the insured vehicle due to -
    • Lightning, self-ignition or fire explosion
    • Earthquake
    • Theft, burglary, and house-breaking
    • Malicious Act
    • Tempest, storm, hurricane, typhoon, flood
    • Strike, riot
    • Frost, hailstorm, inundation cyclone
    • Accident by any external means
    • Terrorist act
    • Landslide rockslide
    • Third-party insurance covers the policyholder against the losses occurring due to death or bodily injury to the third-party or any loss or damage to the third-party property by the insured vehicle.

    Shriram Home Insurance Plans:

    Shriram General Insurance Home Insurance Plans help to safeguard the policyholder’s home and are specially designed to meet the insurance requirements of a householder by combining all covers under a single policy. Shriram General Insurance - Home Insurance policy offers dwelling insurance that covers the house the policyholder lives in and anything that is attached to the structure such as a deck, porch, or garage.

    Following perils and risks are covered under this policy:

    • Bush Fire (does not include forest fire)
    • Missile testing operations
    • Leakage of the automatic sprinkler (excludes the repair and alteration of the building)
    • Bursting or overflow of pipes, apparatus, or water tank
    • Rock/Land Slide, subsidence
    • Inundation, flood, tornado, hurricane, tempest, typhoon, cyclone, storm
    • Physical damage by any external violent means - malicious acts, strike, riots
    • Aircraft damage
    • Implosion/Explosion (excludes economizers, boilers)
    • Fire

    Shriram General Travel Insurance Policy:

    Shriram General Insurance - Travel Insurance Plan lets the policyholder put his/her worries to rest while traveling. The insurance provider offers three different plans catering to the needs of the policyholders:

    • Single Trip- Shri Travel
    • Family Floater - Shri Travel Plus
    • Annual Multi-trip - Shri Travel Elite

    Apart from the aforementioned plans, Shriram General Insurance Company Limited also offers Individual Travel Insurance.

    Common inclusions of the travel insurance policies offered by this insurer are:

    • Medical expenses
    • Cashless hospitalization across the world
    • Total loss of/delay in checked-in luggage
    • Loss of passport
    • Financial Emergency Assistance
    • Personal Accident
    • Trip interruption and cancellation
    • Daily allowance in the event of hospitalization

    Shriram Personal Accident Insurance:

    Shriram General Insurance - Personal Accident Insurance policy is designed to cover an individual or group of people against death and total/permanent/partial disablement from accidental bodily injury. The cover offered is worldwide.

    The age of the insured person should be between 5 and 70 years. The total capital sum insured of a person should not exceed 60 month's salary/income from the present occupation. Income from property, shares, etc. is not taken into account.

    Personal Accident Insurance by Shriram General Insurance covers:

    • Accidental death
    • Permanent Total Disability
    • Permanent Partial Disability
    • Temporary Total Disability
    • Additional benefit transportation of the mortal remains

    Other Insurance Policies Provided by Shriram General Insurance Company:

    Shriram General Insurance Company Limited also offers a range of general insurance policies for the business, engineering, and commercial sectors, among others.

    Shriram Fire Insurance:

    Under Fire Insurance Policy by Shriram General Insurance comes the following plans:

    Standard Fire & Special Perils Policy

    This policy covers several assets like Plant & Machinery, Fixtures, Building, Furniture, and Stock against any damage or loss arising out of the fire, explosion, lightning, implosion, aircraft damage, etc.

    Industrial All Risk Policy

    Industrial All Risk Policy under Shriram General Insurance covers all the industrial risks except perils related to Petrochemical Tariff. It has different sections:

    Section I - Material Damage:

    • Standard Fire and Special Perils
    • Burglary
    • Boiler Explosion/Machinery Breakdown/Electronic Equipment Insurance

    Section II - Business Interruption

    • Optional Cover for machinery loss of profit
    • A fire loss of profit

    Fire Loss of Profit Policy

    Fire Loss of Profit Policy under Shriram General Insurance operates in case of any damage to the premises arising out of any risk insured under the Standard Fire and Special Perils Policy.

    Shriram Engineering Insurance

    Shriram General Insurance Engineering Insurance offers the following plans:

    Contractors All Risk Insurance Policy

    This policy under Shriram General Insurance covers civil construction projects like commercial/residential buildings, factory sheds, theatres, roads, warehouses, dams, bridges, tunnels, reservoirs, gas/oil pipelines, sewage/water disposal works, flyovers, airports, etc.

    Erection All Risk Insurance Policy

    Also referred to as EAR, this policy is a tailor-made insurance plan by Shriram General Insurance Company that offers cover against all perils except particularly excluded relating to projects during Commissioning, Testing, Erection, and Storage. 

    Contractor’s Plant and Machinery Insurance

    This policy by Shriram General Insurance Company covers damage or loss to the contract construction equipment like cranes, bulldozers, compressors, excavators, etc. arising out of accidents due to external perils.

    Electronic Equipment Insurance Policy

    This policy by Shriram General Insurance Company offers cover against the entire range of electronic equipment like microprocessors, personal computers,  visual/audio equipment, sophisticated gadgetry, and telecommunication.

    Machinery Breakdown Insurance Policy

    Machinery Breakdown Insurance Policy covers physical loss or damage to equipment and machinery against sudden and unforeseen physical loss arising out of all sorts of mechanical, accidental, and electrical breakdown.

    Boiler & Pressure Plant Insurance Policy

    Shriram General Insurance - Boiler and Pressure Plant Insurance Policy covers boilers and other pressure vessels against damages or losses due to collapse or explosion.

    Shriram Marine Insurance

    Marine Insurance by Shriram General Insurance Company offers Cargo Insurance.

    Cargo Insurance Policy

    Cargo insurance covers damages or losses to cargo during transit (export/import/inland) from one place to another by one or more modes of transport. This has two types of cover namely, import/export cargo insurance and inland cargo insurance.

    Shriram Liability Insurance

    Liability Insurance policy by Shriram General Insurance has the following plans:

    Professional Indemnity - For Doctors and Other Than Doctors

    This plan issues professional indemnity policy of medical practitioners, doctors, architects, engineers, Cost Accountants, lawyers, management consultants, and chartered accountants.

    Commercial General Liability

    This policy by Shriram General Insurance covers all firms/persons/companies/associations/ that own, engage, or operate in the commercial activities and look for protecting the third-party property damage or bodily injury.

    This policy offers vast coverage namely personal liability, advertising injury liability, omissions liability, tenant’s liability, property damage liability, and bodily injury liability.

    Error & Omissions - For Medical Establishments

    This insurance policy by Shriram General Insurance Company Ltd. indemnifies the policyholder regarding any act committed by qualified or professional assistants named in Proposal engaged by Medical Establishments that give rise to any sort of Third-Party Legal Liabilities.

    Product Liability

    Product Liability by Shriram General Insurance Company covers all sums that include defense cost that the policyholder becomes legally responsible to pay as damages as a result of - accidental death or bodily injury or ailment to any third-party, and accidental damage to the property that belongs to third-party.

    Public Liability – Non-Industrial

    This policy applies only to claims for injury damages or accidental damages taking place at the Insured Premises, regarding the Operative Clause.

    Public Liability - Act

    Under the Public Liability Act, 1991 all persons, companies, people dealing/owning hazardous goods have to take this policy satisfying limits mentioned in the Act.

    Workman Compensation Insurance

    This insurance policy by Shriram General Insurance Company is issued to the Employers to offer compensation to their Employees about ailments of occupation and accidents, within the scope of the Workmen Compensation Act, 1923.

    Shri Suraksha Insurance

    Shri Suraksha Insurance Policy by Shriram General Insurance is a package tailor-made policy to cater to the insurance needs to vehicle persons/owners engaged in the maintenance and operation of the vehicle and the members of their family or parents against fire and allied risks cover and personal accident cover.

    Householder’s Umbrella Package Insurance

    Householder’s Umbrella Package Insurance Policy by Shriram General Insurance Company Limited is a package policy that is designed to meet different insurance requirements of the householder by mixing several insurance plans under a single policy for the householders.

    Shopkeeper Umbrella Package Insurance

    Shriram General Insurance Company’s Shopkeeper Umbrella Package Insurance policy caters to the needs of small shopkeepers by mixing under a single policy, different contingencies are covered separately.

    Personal Accident Insurance

    Shriram General Insurance Company offers Personal Accident Insurance Policy, which is designed to cover a group of people or an individual against both disablement (partial/total/permanent) and death from accidental bodily injury.

    Fidelity Guarantee Policy

    This insurance policy is for corporates, firms, and individuals carrying on commercial activities and usually is exposed to financial/pecuniary losses occasioned by any act dishonesty and/or fraud committed by the policyholder’s employees.

    Burglary Insurance

    Any type of damage or loss to the property or any portion thereof while contained in the buildings mentioned in the schedule due to housebreaking/burglary.

    All Risk Insurance

    All Risk Insurance Policy covers damages or losses to the insured property by riot, fire, strike, accident, and theft.

    Business Protector Policy

    This policy is specially made for Small and Medium Enterprises. Shriram General Insurance Business Protector Policy also offers cover against office establishments, restaurants, hotels including ITES and IT Sector.

    It is recommended to compare all Shriram General insurance plans with the other plans offered by different other insurance providers and accordingly make an informed decision.

    Pradhan Mantri Fasal Bima Yojana 

    Pradhan Mantri Fasal Bima Yojana was introduced in the year 2016 on 14th January. This scheme aims to reduce the actual distress of farmers and make welfare for farmers without affecting heft hikes in MSP (Minimum Support Price) of the agricultural products, which increases because of the fluctuation of monsoon and its induced risks. In this way, Pradhan Mantri Fasal Bima Yojana operates as per the 'Area Approach', i.e. the defined areas for every notified crop for widely spread calamities.


    • This plan provides financial support to the farmers who are suffering from crop damage or loss because of some unforeseen events.
    • Stabilizes farmer’s income.
    • Ensures credit flow to the agricultural sector.
    • Encourages farmers to adopt modern and innovative agricultural practices.
    • Provides three levels of indemnity, which are – 70, 80, and 90.
    • Sum insured that is equivalent to financial scale is provided.
    • CCE’s digitization including date-time stamping, photographs, and geo-tagging.
    • This scheme envisages various new things like utilizing new technologies such as vegetation indices, satellite imaginary, etc. This all is coupled with the compulsory usage of handheld devices or smartphones to increase the accuracy and speed at the time of yield estimation.
    • Single series data to get the estimate of production and insurance.
    • Access to the insurance provider for co-observing the CCE.
    • Written information to IC about the schedule of CCE by the State Government.
    • Usage of RST, Mobile Technology, and Drone to aid CCEs, then yield assessment.

    Rate of Premium:



    Maximum Premium that is Payable by the Farmer (it is the % of Sum Insured)


    All oilseeds and food grains (Cereals, Pulses, Millets, and Oilseeds)

    2.0% of Simple Interest or Actuarial rate, whichever is lesser


    Oilseeds and all the food grains (Millets, Cereals, Oilseeds, and Pulses

    1.5% of Simple Interest or Actuarial rate, whichever is lesser

    Kharif and Rabi

    Annual Horticultural or Annual Commercial crops

    5% of the Simple Interest or Actuarial rate, whichever is lesser

    Perennial Horticultural Corps based on pilot

    5% of the Simple Interest or Actuarial rate, whichever is lesser


    All the farmers, tenant farmers, and sharecroppers who are growing the mentioned crops in mentioned areas can get the coverage. However, the farmers should have an interest that is insurable for the insured or notified crops. The farmers who come under non-loanee category are needed to submit required documents for the records of land holding in the State (RoR (Records of Right)), agreement details / applicable contract/ other documents, Land Possession Certificate (LPC) that are permitted by the concerned government of State (in case of tenant farmers and sharecroppers).

    The process to Apply:

    • For Loanee Farmers: When a bank sanctions a loan for the mentioned crop of the mentioned area, then the loan amount for crop only to the extent of financial scale for mentioned crops and individual’s acreage for mentioned corps is taken in consideration for mandatory coverage. The bank branch responsible for loan disbursing or PACS will provide the additional loan against the amount of premium which is payable by the farmers for insurance of crop.
    • For Non-Loanee Farmers: The non-loanee farmers who want to avail the insurance have to fill a proposal form of this scheme and submit it to the nearest bank's branch or CSC center or authorized channel partners like Sriram General Insurance Company’s However, non-loanee farmers can also submit the proposal form personally or via the online portal of the concerned insurance provider or insurance portal for crop designed by the Government for the same purpose. If the proposal is incomplete or is not accompanied by required documents for proof, then the insurance companies have the right to reject it.

    Shriram General Insurance Distribution Network:

    Shriram operates with over 50 branches across the country.

    Shriram General Insurance Premium Payment Process:

    Shriram General Insurance Company Limited has an online mode of premium payments.

    How to Register a Claim - Shriram General Insurance Company?

    To register a claim, the policyholder has to follow the steps below:

    Step 1: The policyholder must ensure that the information given below is handy during the time claim intimation:

    • Proposal/Policy Number
    • Time and date of the accident
    • Location of the survey, where the vehicle can be surveyed by the company's loss assessor (in case of motor insurance)
    • Estimated loss
    • Name of the driver and contact information together with DL details (in case of motor insurance)
    • Contact details of the policyholder

    Step 2: Call at the Customer Help Desk to register a claim or download the Claim Intimation Sheet online, fill it, and send it to the company’s Help Desk via Email to chd(at) The company’s representative will shortly contact the policyholder for further process and details.

    Step 3: The Shriram General Insurance Company’s customer support team will accept the claim intimation and give a reference number to the policyholder.

    Step 4: Once the claim is registered, the policyholder will get a text message on the registered number for the confirmation together with further details.

    Step 5 (in case of motor insurance): Company’s surveyor will get in touch with the policyholder at the time of the survey and conduct the survey accordingly. The insured must provide the necessary documents.

    Step 6: The claim is ready to be processed

    Documents Required while Filing a Claim:

    Various documents will be required while filing a claim:

    Motor Insurance:

    • Duly filled and signed Claim form
    • Motor Insurance Policy along with schedule clause/endorsement
    • RC - Registration Certificate
    • Policy FIR (in any)
    • Driving License
    • Fitness Certificate (only for Commercial Vehicle)

    Fire Insurance:

    • Duly filled and signed claim form
    • Fire Insurance Policy along with schedule clause/endorsement
    • Documents substantiating the stock at the time of loss
    • Replacement/Repair bills for items
    • Police FIR/Fire Brigade Report

    Engineering Insurance:

    • Duly filled and signed claim form
    • Engineering Insurance Policy along with schedule clause/endorsement
    • The final bill of replacement/repair
    • Test reports of the damaged parts

    Miscellaneous Insurance:

    • Duly filled and signed claim form

    First Information Report (FIR)/Final Investigation Report Documents substantiating the loss

    Shriram General Insurance Company Ltd - FAQs

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    Shriram General Insurance Reviews & Ratings

    4.4 / 5 (Based on 13 Reviews)
    (Showing Newest 10 reviews)
    Fakirsahi, November 17, 2020
    I have recently renewed my Shriram general insurance plan from the mobile application of the policybazaar. It is very easy to do so and I have recommended such plans with everyone.
    Dabugam, November 17, 2020
    No claim bonus
    I have recently got my no claim bonus certificate from the Shriram General insurance. I just requested them for the same and it was delivered to me on timely basis. Thanks a lot team.
    Habra, November 17, 2020
    Happy customer
    I am one of the happiest customer of Shriram General insurance policy. It has provided me with various good beneficial plans. Thank you team.
    East Godavari, November 17, 2020
    Offers at best
    The offers which is been provided by the team policybazaar is best. I have got the general insurance plan of Shriram General insurance. One of the best plan I ever had. I am very happy. Thanks team.
    Shadnagar, November 17, 2020
    Hard copy not issued
    My Shriram general insurance has given me very late hard copy of my general insurance. I was very much upset but later it was delivered to me. And they apologized for the same. I am happy at-least they think about their customers. Kudos team.
    Habra, November 17, 2020
    Claim assistance
    The claim assistance of the Shriram general insurance is really good and fast. I found it very much subtle and easy to use. I have a good connection with the team and they are really good. Kudos to team policybazaar.
    Oachira, November 11, 2020
    In my budget
    The Shriram General insurance plan which I bought online is really good for me and my family. I took the health plan and it was under my budget. I am thankful to whole team of the policybazaar.
    Habra, November 11, 2020
    Slow work
    I have took the Shriram general insurance policy from the website of the policybazaar. It was little slow and there was some technical glitch when I was getting the same. But later it was resolved. Thanks team policybazaar.
    J.n.prasad, November 10, 2020
    Get fast repair
    The Shriram general insurance is unique place. I got my general car insurance from that company and I got to know from the policybazaar. The service centre is easily available with the help of the Shriram general insurance.
    Wadhwan, November 10, 2020
    A best plan
    I have recently took the Shriram General insurance from the website of the pplicybazaar. I have received one of the best plan from them and it is best. Thank you policybazaar.
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