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Shriram General Car Insurance
- Shriram Comprehensive Car Insurance
Shriram Comprehensive Car Insurance
Shriram comprehensive car insurance policy has made it easy for its customers to live without fear of the expenses that might incur because of the damage caused to their cars for various reasons. With easy online service, the insurer offers comprehensive coverage, including protection against third-party liabilities, road accidents, theft, flood, earthquakes, etc. Besides, they offer an entire list of other additional benefits including rider options.
Benefits of Shriram Comprehensive Car Insurance
Shriram comprehensive car insurance aims to provide its customers car insurance plans with different benefits. These are as follows:
- Protection Against Accidents: As mentioned above, cars are vulnerable to accidents caused by you or a third party. By buying a Shriram comprehensive car insurance plan, you can secure your car and yourself against every type of unforeseen damage.
- Protection Against Third-Party Liability: Shriram's comprehensive car insurance policy looks after third-party liability as well. You do not have to worry about the damage caused to your car by a third party, as the insurance covers it comprehensively.
- Zero Depreciation Cover: With a car insurance policy by Shriram General Insurance Company, you can also buy a zero depreciation add-on cover. This add-on offers protection against the depreciation in the total value of the car or its parts, which is evaluated each year. The rate of depreciation is decided by the age and usage of the vehicle.
- Personal Accident Cover: A cover of up to 15 lakh is provided in case of a personal accident to the insurer. This cover offers compensation in case of death, disability of the owner/driver of the insured car.
Coverage Under Shriram Comprehensive Car Insurance
The coverage offered under a Shriram comprehensive motor insurance includes and excludes the following:
Damages that are covered under a Shriram comprehensive insurance policy are:
- Death or disability of third person involved in an accident with the insured car. Property damage of the third party is also covered
- Theft or burglary of the insured car resulting in its partial or total loss
- Fire, explosion causing losses to the insured car
- In transit damages sustained by the insured four-wheeler
- Manmade acts like riots, strikes, etc damaging the car
- Claims can also be raised for damage sustained by the insured car due to natural calamities.
Contingencies that are not covered under a Shriram private car package policy are:
- Damages to the insured four-wheeler when being driven under the influence of alcohol
- Losses arising as a result of contractual liability of the owner/driver of the insured car
- Claims arising for commercial use of a private car will also not be entertained
- Damages to the insured car when being driven without a driving licence or any other mandatory document
- Damages arising out of civil or nuclear war
- Depreciation of the insured vehicle
Add-ons Under Shriram Comprehensive Car Insurance
The coverage of a Shriram comprehensive plan can also be increased with the help of additional covers. These addons offer extra coverage and come with a nominal premium. Addons offered under Shriram comprehensive car insurance are:
- Depreciation Waiver
- Daily Expense Reimbursement
- Invoice Return
- Personal Belongings Cover
- Multi Car Benefit
- Key Replacement Cover
How to Purchase Shriram Comprehensive Car Insurance Policy?
Purchasing a Shriram comprehensive car insurance policy online is a simple process when done online. Follow the steps mentioned below:
- Visit Policybazaar.com and select “Car Insurance” from the homepage
- Enter your car number on the given form and proceed
- Select your car's RTO, make, mode, variant, fuel type, etc
- Fill in the registration form and proceed
- From the given car insurance quotes online, look out for comprehensive plans from multiple insurers
- Select the Shriram comprehensive plan from the list
- Select additional covers that you wish to include
- Pay the final premium amount via online payment mode
- Once you have made the payment, your comprehensive car insurance policy document will be instantly mailed to you.
Documents Required to Raise a Shriram Comprehensive Car Insurance Claim
To raise a claim under Shriram comprehensive car insurance plan, you will need the following documents:
- Claim form duly signed by the insurer
- Car insurance policy
- Registration certificate
- Driving licence
- Police FIR (optional)
- For commercial vehicles, a fitness certificate is required
Shriram Comprehensive Car Insurance FAQS
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Q1. How long does the claim process take?
Ans: One can expect the claim to be settled within 7 days from the day you submitted your claim request, along with the necessary documents. -
Q2. What is a third-party risk policy?
Ans: As per Section 146 of the Motor Vehicles Act 1988, third party risks mean when one pays compensation for third party damage, accidents, or property damage. -
Q3. What is the limit to the number of add-ons we can include in our policy plan?
Ans: There is no limit on how many add- ons one can include with a comprehensive car policy. -
Q4. How long is a comprehensive car insurance policy valid for?
Ans: The validity of a Shriram comprehensive car insurance policy is for one year. After this, you are required to renew your policy yearly.
Car Comprehensive Insurers
Bajaj Allianz Comprehensive Car Insurance
Chola MS Comprehensive Car Insurance
Digit Comprehensive Car Insurance
Future Generali Comprehensive Car Insurance
HDFC Ergo Comprehensive Car Insurance
ICICI Lombard Comprehensive Car Insurance
IFFCO Tokio Comprehensive Car Insurance
Liberty Comprehensive Car Insurance
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Car insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*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.