What should I do in case of an accident that causes damage to my car in Chennai?

In case of an accident, it is essential to first ensure the safety of all involved parties. Then contact us (website/app/call) to initiate the claims process.

Can I choose the coverage limits for my car insurance?

No, you cannot choose the coverage limit for your car insurance. However, you can select add-ons to enhance the coverage according to your needs.

Which insurance is better for an old car?

It is highly recommended that you purchase comprehensive car insurance for your old car since it provides all-round coverage for the vehicle.

Is it safe to buy car insurance online?

Yes, it is safe to buy car insurance online if the policy is authenticated by the IRDAI (Insurance Regulatory and Development Authority of India). You can buy a private car insurance online instantly by visiting the Shriram website or download the MySGI app.

Buy Car Insurance Policy Online in Chennai

Car Insurance in Chennai Overview

Chennai is known for its bustling streets, iconic landmarks, and an increasing automotive culture. As the number of vehicles increase on the roads, it becomes important for car owners to safeguard their vehicle against unforeseen damages or financial liabilities. This is where car insurance plays a crucial role in offering financial protection and peace of mind. Read on as we delve into the importance of car insurance in Chennai, exploring the key benefits of Shriram car insurance and how you can buy the right policy for your car.

Car Insurance Plans in Chennai

Here are the types of car insurance plans in Chennai.

Comprehensive Car Insurance Policy

Comprehensive car insurance is a policy that offers coverage against accidental damage to your car and third-party liabilities. It also covers for theft and damages to your car caused by natural or man-made disasters. You can also include suitable add-ons to enhance the coverage.

Own Damage (OD) Cover

The Own Damage cover protects your car from any damage incurred due to accidents, natural or man-made disaster. Additionally, it also covers theft and fire. You can also include add-ons to the coverage. However, this plan does not cover third-party liabilities.

Third-party Car Insurance Policy

Third Party car insurance protects you against third-party liabilities, including damage to their vehicle/property or an injury/death of a third-party.

Benefits of Car Insurance in Chennai

Every big city experiences the issue of rush-hour traffic, where individuals eagerly strive to reach their workplaces or return home. Travel stress-free by getting car insurance to make sure your car is protected. Here are a few compelling reasons why buying car insurance in Chennai is crucial for you.

Damage Coverage to the Insured Vehicle

Suppose your car is damaged due to an accident, or natural calamities such as flooding, comprehensive car insurance covers such damages. Furthermore, if your car is stolen or damaged due to man-made disasters such as rioting, strikes, or terrorism, your comprehensive insurance will cover such losses.

Coverage for Third-Party Liabilities

If your car is involved in an accident resulting in damages to a third-party property, Third-party car insurance shall cover such losses. It also covers bodily injury or death of a third-party.

Quick Claim Intimation Process

You can raise your claims quickly through our website or My SGI app, making it a hassle-free experience.

No Claim Bonus (NCB)

You can earn a No Claim Bonus if you have made no claims from your policy, provided the right terms and conditions are fulfilled.

Helps Cover Expensive Repair Costs

Repair expenses to your damaged car can sometimes amount to quite an expensive ordeal in the case of an accident. Comprehensive car insurance shall cover these expenses.

How to Buy Car Insurance in Chennai
How to Renew Car Insurance in Chennai

Get car insurance in Chennai without any hassles.
Shriram Car Insurance is available at your fingertips. Follow the below steps to insure your car instantly.

Visit our website or app (MySGI).

Enter your vehicle details and follow the process.

Choose the right plan and add-ons.

Pay the premium online and get the policy instantly.

Renew car insurance in Chennai hassles-free.Follow the below steps to renew your car insurance:

Go to our website or app (MySGI).

Enter your vehicle details and follow the required process.

Select the plan of your choice and optional add-ons.

Pay the car insurance renewal premium online and get the policy instantly.

Types of Car Insurance Add-ons

Apart from coverage for damages, you can also enhance the coverage of your policy by
getting add-ons. Here are the types of add-ons you can get with your car insurance.

Zero Depreciation Cover

If your car’s motor part is damaged by an accident, the add-on shall cover the depreciation factor and you can receive the full cost of replacing the part except for any deductibles.

Daily Reimbursement Cover

Daily reimbursement is an add-on cover that reimburses the cost of using a private car while your vehicle is being repaired. The maximum reimbursement amount and period are determined by the terms and conditions of your motor insurance policy.

Motor Protection Cover

In the event of an accident caused by your insured vehicle, you are entitled to an advocate to guide and/or defend you from police and judicial magistrate proceedings only.

Return to Invoice Cover

When a vehicle is stolen or beyond repair, the Return to Invoice cover helps you receive claim settlement equal to the vehicle's original invoice value (original purchase price).

Personal Belongings Cover

The Personal Belongings add-on covers the loss of personal belongings from a locked vehicle (insured). Items such as clothing and other articles that can be worn, used, or carried can be considered personal belongings for this section.

Emergency Transport and Hotel Expenses Cover

If your vehicle breaks down and you need emergency accommodation or an alternate means of transport, Shriram Car Insurance's Emergency Transport & Hotel Expenses cover will be of great help.

Key Replacement Cover

In the event your car keys are lost or misplaced, the Key Replacement add-on provides coverage for the replacement of the car key.

Why You Should Choose Shriram for your Car Insurance?

With Shriram car insurance, you can rest assured that your vehicle is protected in case of damages to the vehicle and third-party liabilities. Here are a couple of reasons you should get our car insurance:

Quick claim intimation process: Minimal documentation required for quick claim assistance when you raise the claim online.
Easy renewal: You can renew your car insurance online to save time and money.
Paperless transactions: Purchase/renewal of insurance policies made easy with a digital process.
24/7 Support: We are here to assist you with all your car insurance needs, anywhere, at any time

How to Register Car Insurance Claim in Chennai?

Here are the steps to raise online claim against your Shriram car insurance.

Step 01
Step 02
Step 03

Visit our website/app (MySGI) to access your Shriram account.

Choose the policy to raise the claim and answer a few questions about your car's damages.

Upload the required soft copies of documents to register your claim.Our customer service team will contact you to assist on the claim.Alternatively, you can also call us at 1800-300-30000/1800-103-3009 to raise the claim against your car insurance policy. Our customer service team will guide you throughout the car insurance claim process.

Intimate Claim

Frequently Asked Questions (FAQs)

Here are the answers to some commonly asked questions about car insurance Chennai.

Which is the best car insurance in Chennai?

The best car insurance would be one that covers damages to your car and coverage for third-party liabilities. You must select comprehensive insurance for wider coverage. You can also include add-ons to increase the coverage.

What is covered in car insurance?

Depending on the type of policy, car insurance can cover a variety of issues. Comprehensive car insurance covers damage to your vehicle, man-made disasters and natural calamities. It also covers theft, and fire.

How long is my Shriram car insurance valid?

From the date of commencement, your Shriram car insurance will remain in force for 12 months (or otherwise mentioned on your policy schedule).

What are documents needed to purchase car insurance in Chennai?

Buying car insurance in Chennai is quick with our online platform. You can visit our website or MySGI app to buy or renew car insurance. You need only your vehicle and personal details to buy car insurance with Shriram.

Is third-party car insurance mandatory in Chennai?

In Chennai, third-party car insurance is mandatory according to the Motor Vehicles Act, 1988. It covers any liability resulting from your car causing injury to a third party or causing damage to a third party. Having third-party insurance coverage is a legal requirement before driving in Chennai or anywhere in India.