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Coverage against any loss or damage caused to the vehicle due to the following natural and man-made calamities
Fire, explosions, self-ignition or lightning, earthquakes, floods, typhoons, hurricanes, storms, tempests, inundations, cyclones, hailstorms, frosts, landslides and rockslides
Riots, strikes, malicious acts, terrorist activities, any violent activities are generally covered as man-made disasters
Burglary, theft, accidents by external means, any damage in transit by road, rails, inland waterways, lifts, elevators or air
The insurance policy provides unlimited coverages, i.e., whatever the court awards as your liability to the third-party due to accidental death or injuries caused by your vehicle
In case your vehicle causes third-party property damage, the insurer will offer compensation up to Rs. 7,50,000/- for private cars
Accidental loss or damage to the insured or any person driving with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs or wilful negligence
Loss or Liability while the vehicle is used outside the scope of limitations of use and/or being driven by a person not duly licensed
Loss connected to nuclear or radioactivity or war and related activities is not covered under this policy
Consequential loss, Depreciation, wear and tear, mechanical and electrical breakdown/failure or breakages will not be covered by Shriram Car Insurance policy
According to the IRDAI regulations, a compulsory deductible is an amount the insured must pay as part of their claim. The compulsory deductibles are not covered by Shriram Car Insurance policy
Shriram Car Insurance policy offers a range of value-added coverages for your car at a nominal additional premium
Yes, electric/CNG/LPG vehicle needs a car insurance policy. An insured can avail these value added features at an additional premium
Damage to the car bumper is covered under the comprehensive insurance and not with the TP Liability policy.
The comprehensive coverage usually covers non-collision damage, such as scratches caused due to natural calamities or collision. The coverage and limits of your policy will depend on your insurance provider and policy.
The comprehensive insurance and the OD cover provide coverage against multiple dents, caused due to accidental external means arising from a single incident.
Yes. At Shriram General Insurance, both Bumper-to-Bumper and zero depreciation covers means the same. It is referred to as Nil Depreciation Cover at Shriram.
Tyre damage due to wear and tear, punctures, or blowouts is not usually covered by standard insurance policies. However, if the vehicle is damaged at the same time in which case the liability of the insurer shall be limited to 50% of the replacement cost.
"Bumper to bumper" car insurance is a term commonly used to refer to car insurance that includes a comprehensive insurance policy and the Nil Depreciation or Zero Depreciation add-on cover.
The bumper to bumper insurance is common term used to identify a comprehensive insurance which includes the Nil Depreciation Cover. It offers coverage without considering the depreciation factor, reducing your out-of-pocket expenses.
Bumper-to-bumper insurance is a common term for comprehensive insurance which includes the Zero Depreciation or the Nil Depreciation add-on cover. However, the "normal insurance" is a common term used to refer the comprehensive insurance without the Nil Depreciation add-on cover.
Car insurance does not provide coverage for damage to CV joints.
Damage to the car clutch plate is not covered under car insurance.
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Your insurance policy is up for renewal.
Please renew your Insurance now for trouble-free driving.
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IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
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